Stats › Valorisation › Default rate chaos
Six European crowdfunding platforms publish default rates on six incompatible definitions, and one publishes two that differ by a factor of eight
| Platform and country | Published rate | What the denominator is | Fenêtre |
|---|---|---|---|
| EstateGuru, Estonia | 27.45% (2023), 20.14% (2025) | non defaulted loans at 1 January of the year | annual, 2020 to 2025 |
| October, France | 5.53% | capital lent, portfolio total | as of 16 March 2024 |
| October, France, same page | 46.71% | outstanding capital | as of 16 March 2024 |
| Lande, Latvia | 5.61% | 1,956 non defaulted loans | 7 February 2024 to 31 December 2025, about 23 months |
| HeavyFinance, Lithuania | 9.66% | principal in default over principal issued | no date published |
| Bondora, Estonia and Finland, research sample | 22.5% | 10,002 loans, lifetime | 21 February 2009 to 11 November 2016 |
| Lietuvos bankas, Lithuania | not a default rate | overdue against active contracts | supervisory returns |
Each figure is published by its own author as a default rate. None of them measures the same thing. The two October figures appear on the same page, computed from footnotes 9 and 10 of that page.
Article 20 obliges every authorised loan platform to publish default rates on a prescribed method. Reading the disclosures gives figures from 5.53 to 46.71 per cent, with denominators, windows and day counts that do not match each other or the method.
Réservé aux membres
La suite de cette page est réservée aux membres
Below this point there are 9 sections, 2 charts, 2 tables and 11 named sources, roughly 1150 words of it. Every figure carries the source it came from and the date the data is from.
Vous pouvez continuer à parcourir gratuitement toutes les statistiques de la bibliothèque. L'introduction et le résumé sont toujours accessibles.