Ausfall- und Verlustdaten
Unterscheiden Sie zwischen Ausfällen, Forderungen in Beitreibung, Rückstellungen und Abschreibungen.
Default rate measures credit events. Capital loss measures money not recovered. Recovery exposure measures money still being pursued. They answer different questions and must not be averaged into one risk score.
Read the denominator
Ask whether the percentage uses loan count, original funded euros or today’s outstanding balance. Also check the origination year, observation date and late-payment threshold.
Recovery is not recovery rate
A portfolio with 20% in recovery has unresolved exposure. A 20% recovery rate instead describes how much defaulted money came back. Neither automatically means a 20% final loss.
Compiled by TopLending from platform disclosures. Each observation links to its primary source and retains its own definition and reporting period. Platform-reported figures are not an independent audit.
| Platform / metric | Value | Period & denominator | Interpretation & source |
|---|---|---|---|
| Capitalia Annualized default rate | 2.45% | 2025 origination vintage; published 20 Feb 2026 Loans originated in 2025; annualized platform measure | A vintage measure, not a percentage of the current outstanding portfolio. Capitalia Platform disclosure |
| Capitalia Loan loss rate including provisions | 1.74% | 20 Feb 2026 Total loans issued | Includes estimated losses on doubtful loans; these are not all final write-offs. Capitalia Platform disclosure |
| Capitalia Loan write-off rate | 0.12% | 20 Feb 2026 Total loans issued | Loans treated as unrecoverable. Different from the provision-inclusive loss measure. Capitalia Platform disclosure |
| EstateGuru Annual default rate by loan count | 20.14% | Calendar year 2025; statistics accessed 12 Oct 2026 Non-defaulted loans at 1 Jan 2025 with payments scheduled during the observation year | Counts loans entering default during 2025. This is not a share of capital lost or of the portfolio currently in recovery. EstateGuru Platform disclosure |
| Maclear Principal repaid after default — Vibroedil case | 100% | July 2025 default; case report updated 29 Jul 2026 EUR 150,000 principal across three funding stages of one project | Maclear reports full principal repayment through a private settlement. This single case does not establish a platform-wide default or recovery rate. Maclear Platform disclosure |
| InRento Reported defaulted amount | €0 | Statistics observed 12 Oct 2026; no separate reporting date shown Defaulted amount in the published loan-portfolio table | The platform also reports late interest separately. Zero reported defaults does not mean that all payments are on time or that future losses are impossible. InRento Platform disclosure |
Sources accessed: 2026-10-12. Observation dates are shown per row. This is a curated historical snapshot, not a live feed. An absent platform or metric means it is outside this extract, not that its default rate is zero or that it publishes nothing.
How TopLending reads the disclosures
We record the published metric, its reporting period and the population it measures. Capitalia separates provisions from write-offs; EstateGuru reports an annual loan-count default rate; Maclear describes repayment in a specific default case. These observations should not be ranked as if they measured the same outcome.
Buyback obligations introduce exposure to the party promising repayment. A clean investor-payment history does not reveal all borrower defaults. Read the loan agreement and the provider’s disclosure before interpreting a zero.