🏷️ Quick Overview
Name : Indemo
Creation : 2022
Country : Latvia
Investors / Amounts financed : +12,800 investors / +16.9 million € financed
Type of loans : Guaranteed Spanish real estate loans (mortgages and distressed debt)
Target strategy type : Secure high-yield real estate investment
💻 Interface & Accessibility
Site language : French, English
General ergonomics : Modern, fluid, and intuitive interface
Registration and KYC verification : Fast, with standard identification
Mobile app available : No (app expected in 2025)
Auto-invest : Yes, configurable according to several criteria
📈 Yield & Performance
Current yield of the platform : 10 - 15.1%
Observed yield (personal) : ~20 %
Loyalty Program : No
Average loan duration : 12 to 24 months
Investment mode : Recommended auto-invest, manual selection possible
Minimum investment : €10
Withholding tax : Yes, 5%
💡 Operation & Approach
🧠 Indemo is crowdlending... but in a judicial way! Follow concrete cases in Spain with a strategy focused on real estate recovery. ⚖️📉
A unique model, decoded here 👉
⚠️ Risks & Safety
Identified risks : Risk of recovery on discounted debts, dependence on the Spanish real estate market
Buyback guarantee / collateral : Yes, mortgage guarantees with low LTV (30–40%)
Borrower rating available : No
Secondary market : No (expected in 2025)
Global transparency : Good, detailed information on each project
Diversity of originators : Low (mainly Tamarindo Vector S.L.)
💧 Liquidity
Withdrawal ease : Average, depends on loan repayment
Average recovery times for funds : At contractual maturity or after collection
Deposit/Withdrawal Times : Instant deposit, withdrawal within 1 to 2 business days
Cash drag management : Good thanks to auto-invest and rapid loan turnover
🛡️ Regulation & Reliability
Official regulation (PSFP, FCA, etc.) : Yes, PSFP license issued by the Bank of Latvia
Legal compliance (country of origin) : Compliant with European regulations (MiFID / PSFP)
History / known incidents : No defects to date
Responsive customer service : Yes (email, telegram)
Regular communication : Good: newsletters, regular updates, blog
🎁 Bonus & Referral
Welcome bonus : No
Referral bonus : No
🧠 My personal opinion
✅ Strengths:
- Attractive returns with solid guarantees
- Regulated platform at the European level
- Low LTV ratio, good collateral
- Investment accessible from €10
❌ Weak points:
- Absence of secondary market
- Recent platform, lack of perspective
- Concentration on a single originator
📌 Am I investing in it? Why? : Yes, to diversify my portfolio with secure and high-yield real estate investments.
🔍 For which investor profile? : Intermediate to experienced investors seeking high returns with a certain level of security, and willing to lock in their capital for the medium term.