🏷️ Quick Overview
Name : Debitum Investments
Creation : 2018
Country : Latvia (headquarters in Riga)
Investors / Funded amounts : +25,500 investors / +141 million € funded
Type of loans : Loans to SMEs (factoring, commercial loans, bonds)
Target strategy type : High yield with guarantees and geographical diversification
🕰️ History & Evolution
- Created after the sale of Debifo (Lithuania) to Factris (a leader in credit solutions)
- Launch of the platform in 2019
- 2023: new management team, rebranding, removal of the DEB token
- Transition to a more traditional P2B marketplace model
👥 Shareholders & executives
- Ingus Salmiņš (SIA ZIdea) – 67 %
-
Ēriks Reņģītis (SIA Amplo) – 33 %
-
Ēriks Reņģītis has also been the CEO since June 2024
- Strengthened team with experienced profiles (ex-Crowdestor, auditors, compliance)
💻 Interface & Accessibility
Site language : French
General ergonomics : Modern and smooth interface, intuitive navigation
Registration and KYC verification : Fast procedure compliant with European standards
Mobile app available : No (app in development)
Auto-invest : Yes, with advanced customization options, including automatic withdrawal of interest
📈 Yield & Performance
Current yield of the platform : 8 – 14.5 %
Observed yield (personal) : Approximately 15%
Loyalty Program : No
Average loan duration : 6 to 18 months
Investment mode : Manual or automatic, with the possibility of automatic withdrawal of interest
Minimum investment : 10 €
Withholding tax : Yes, 5%
🤝 Loan Issuers
In order to lighten the page, I suggest you go to the one dedicated to loan issuers
⚠️ Risks & Safety
Identified risks : Loans to SMEs in emerging countries (macroeconomic risk), lack of secondary market, limited history of public performance
Buyback guarantee / collateral : Yes, a 90-day buyback guarantee on unpaid loans, with loans secured by assets that are easily convertible to cash. Notes are not included in this guarantee
Borrower rating available : Yes, through an internal scoring system
Secondary market : No (in development)
Global transparency : Good, with detailed information on each project
Diversity of originators : Good, with several partners such as Evergreen Capital, Flexidea, Triple Dragon, Sandbox Funding, and Juno Finance
💧 Liquidity
Withdrawal ease : Average, dependent on the duration of the loans
Average time to recover funds : 6 to 12 months, depending on the projects
Deposit/withdrawal times : 1 to 2 business days
Cash drag management : Low, due to the frequency of projects and self-investment
🛡️ Regulation & Reliability
Official regulation (PSFP, FCA, etc.) : PSFP license obtained, regulated by the Bank of Latvia and compliant with MiFID II standards
Legal compliance (country of origin) : Compliant with European requirements regarding anti-money laundering and investor protection
History / known incidents : Recent platform, little history available
Responsive customer service : Yes (email, telegram)
Regular communication : Yes, via blog and newsletters
🎁 Bonus & Referral
Welcome bonus : No
Referral bonus : Yes, 2.5% for investments from €10 to €1,000, then 1% above €1,000
🧠 My personal opinion
✅ Strengths :
- Very attractive returns (up to 15%)
- Limited or even non-existent cash drag
- User-friendly interface
- Regulated platform with strong guarantees
- Presence of an advanced self-investment system
❌ Weak points :
- Absence of secondary market
- Lack of transparency
- Limited history (recent platform)
📌 Am I investing in it? Why? : Yes, for diversification. Debitum stands out as a solid and credible alternative in the European crowdlending landscape. The platform has demonstrated seriousness by moving away from a risky blockchain model to adopt a regulated, profitable, and understandable structure. Its PSFP approval, attractive returns, and very steady growth are very positive signals.
🔍 For which investor profile? : Intermediate to experienced investors seeking high returns and willing to actively manage their portfolio. However, be aware that the lack of immediate liquidity (absence of a secondary market) and the focus on SME loans outside the eurozone involve a significant level of risk.