Statistics
- k Investors
- Funded campaigns
- % Average return
- € M Invested
- € k Interest paid
- € M Principal paid
- Late
- Default
Investment Portfolio
Investor Earnings
Principal
Interest
Loans Status
| Active Loans | Amount (€) | Amount (%) | Number of Loans |
|---|---|---|---|
In Progress | € 5 200 801 | 69.46% | 43 |
Completed | € 1 935 080 | 25.84% | 26 |
Financing | € 189 857 | 2.54% | 3 |
In Recovery | € 161 703 | 2.16% | 1 |
Grace Period | € 0 | 0.00% | 0 |
Defaulted | € 0 | 0.00% | 0 |
- Number of Defaults
- 0
- Rate of Default
- 0.00%
- Predicted Rate of Default
- 4.00%
Late & Default Definitions
A loan is considered late when the project owner is more than 14 days past due on an interest payment or on a scheduled partial or full principal repayment, where applicable.
A loan is considered in default when the project owner is more than 720 days past due on a material credit obligation, or when stock.estate considers that the project owner is unlikely to meet the relevant loan obligations in full without additional measures, such as collateral enforcement. Indicators may include distressed restructuring of the obligation or bankruptcy or similar protection proceedings.
In the loan status table, Grace Period refers to delayed loans within the last 3 months, In Recovery refers to delayed loans older than 3 months, and Defaulted refers to loans classified as defaulted.
Methodology for the calculation of the actual default rate of loans
In accordance with Article 20(1)(a) of Regulation (EU) 2020/1503, stock.estate calculates the simple average of the one-year default rate over the full historical observation period using non-overlapping 12-month observation windows. For each observation period, the denominator consists of the loans monitored at the beginning of the 12-month window that were scheduled for payment during that period, and the numerator includes those loans that experienced at least one default event during the same 12-month interval. When publishing actual default rates, stock.estate uses non-overlapping 12-month observation intervals and arithmetic averages of the one-year default rates observed over the entire preceding observation period, based on internal historical loan data.
Methodology for the calculation of the expected default rate of loans
When publishing expected default rates in accordance with Article 20(1)(b)(i) of Regulation (EU) 2020/1503, stock.estate bases its estimates on actual default rates calculated on the basis of the historical data for all loans issued on the platform. More information on the calculation method, methodology and assumptions used to determine expected default rates is available in the Procedure for Management of Defaults.
Profitability Comparison in €
Global Investor Distribution
STOCKESTATE CROWDFUNDING SRL is licensed under the number PJR28FSFPR/400002, since 29.08.2023. Find us in the register of crowdfunding service providers of the European Securities and Market Authority (ESMA).
All investments involve risks, including loss of invested capital, lack of liquidity, and non-reimbursement on loans, partially or integrally. It is an appropriate investment only for investors able to assess and bear the risks presented above. Before investing, please read the risks of investments warning, and also all the clauses of the loan agreement, which will be provided to you for the campaign in question. Stock.estate Platform is not responsible for the information provided by the project developers, even if it is provided by or through Stock.estate. Stock.estate does not provide you any other advisory services. The decision to invest is entirely yours. We recommend that you consult specialized advisers if you need support in evaluating your investment decision. The messages and documentation you receive from Stock.estate or project developers have not been verified or approved by Romanian or European authorities.