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Hieschen
Anmeldedatum: 16.03.2018
Beiträge: 660
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 Verfasst am: 18.11.2020, 07:38 Titel: Re: October Erfahrungen (Frankreich+Spanien+Italien) vor. Le |
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Danke Claus, ich investiere da seit Q1 2018 und meine Zahlen sehen doch sehr viel anders aus.
Ich habe ein XIRR von ca 5.5% (deckt sich mit meiner eigenen Rechnung) nach Abschreibungen. 124 Kredite, davon 4 mit Problemen, Zinsertrag EUR 1340 bei EUR 280 Abschreibungen. Bin damit eigentlich recht zufrieden. Gehe aber davon aus dass es noch zu Ausfällen kommt, da ich einige Kredite aus Bereich Event/Tourismus/Gastronomie habe.
Reinvestiere meine Rückflüsse, würde auch aufstocken wenn das Angebot an nicht garantierten (Staatsgarantie Frankreich & Italien) Krediten höher wäre. 2% Zinsen bei 90% Kapitalgarantie deckt mMn dass Risiko nicht.
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Investiert:LinkedFinance /Peerberry/ Afranga/Mintos (Bonds) /Esketit/Viainvest/Iuvo /Heavyfinance /Axiafunder / Bondora/Lendermarket
Watchlist:Look&Fin
Am Liquidieren: October /Kapilendo/ crowddesk/ Engel&Völkers/Estateguru
Abgewickelt:Investly/Viventor/Trine/Moncera /Twino |
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Claus Lehmann
Site Admin
Anmeldedatum: 31.08.2007
Beiträge: 18263
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| Verfasst am: 23.02.2022, 20:29 Titel: Re: October Erfahrungen (Frankreich+Spanien+Italien) vor. Le |
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Zum Umgang mit endgültig uneinbringlichen Forderungen
| Zitat: | | ...The company Hotel* Le Villon was placed in receivership by the Commercial Court in July 2019. We have received from the judicial administrator, the certificate of uncollectibility concerning the totality of the lenders’ debts of this project. This means that the debts cannot be recovered. The losses related to this project will be included to your tax certificate of 2021 to enable you to deduct them from your taxes if that is possible in your country of tax residence. ... |
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Meine Investments (aktualisiert 12/24):
Laufend: Bondora*, Estateguru*, Indemo*, Inrento*, Mintos*, Crowdestate* (Rest), October* (Rest), Linked Finance* (Rest), Plenti (Rest), Ventus Energy*, Seedrs*, Crowdcube, Housers* (Rest),
Beendet: Smava, Auxmoney, MyC4, Zidisha, Crosslend, Lendico, Omarahee, Lendy, Ablrate, Bondmason, Finbee*, Assetz Capital, Bulkestate, Fellow Finance, Investly*, Iuvo*, Landex, Lendermarket*, Lenndy, Moneything,
Neofinance*, Reinvest24, Robocash*, Viainvest*, Viventor, Zlty Melon |
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Claus Lehmann
Site Admin
Anmeldedatum: 31.08.2007
Beiträge: 18263
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| Verfasst am: 17.03.2022, 23:31 Titel: Re: October Erfahrungen (Frankreich+Spanien+Italien) vor. Le |
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Wird nicht besser.
| Zitat: | 52
Loans
of which 34 matured
Fully repaid loans.
and 8 in default
Defaults take into account late and defaulted loans. Non performing loans can become performing again after collection and recovery actions. More details. |
Ich hab meine 8 Defaults durchgeklickt und vermute mal das von 7 davon nichts mehr kommen wird.
Wie man sieht hab ich noch 10 laufende Kredite, davon 2 noch knapp 2 jahre, der Rest bis zu 13 Monaten Restlaufzeit.
Lendix/October hätte ich mir als Experiment echt sparen sollen.
5 Jahre und die Zinsen wurden schon fast komplett von den Ausfällen aufgefressen. Wenn noch einer ausfällt lande ich bei plus/minus Null
| Zitat: | Initial rate
Rate of projects at the time of your loan. More details.
6.16%
Current rate
Adjusted view of your return taking into account provisions, losses and early repayments. When a project defaults, we apply a provision to your outstanding capital which depends on 2 factors: the number of days of delay and the presence of a state guarantee. A provision is the amount of capital considered as lost at a precise moment. Click here to see the provision rates
0.83% |
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Meine Investments (aktualisiert 12/24):
Laufend: Bondora*, Estateguru*, Indemo*, Inrento*, Mintos*, Crowdestate* (Rest), October* (Rest), Linked Finance* (Rest), Plenti (Rest), Ventus Energy*, Seedrs*, Crowdcube, Housers* (Rest),
Beendet: Smava, Auxmoney, MyC4, Zidisha, Crosslend, Lendico, Omarahee, Lendy, Ablrate, Bondmason, Finbee*, Assetz Capital, Bulkestate, Fellow Finance, Investly*, Iuvo*, Landex, Lendermarket*, Lenndy, Moneything,
Neofinance*, Reinvest24, Robocash*, Viainvest*, Viventor, Zlty Melon |
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Hieschen
Anmeldedatum: 16.03.2018
Beiträge: 660
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| Verfasst am: 18.03.2022, 13:37 Titel: Re: October Erfahrungen (Frankreich+Spanien+Italien) vor. Le |
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Hallo Claus
ich finde deine Statistik hier sehr interessant, meine sieht doch stark anders aus. Bin auf der Plattform seit Q1 2018 aktiv
Insgesamt 186 Kredite finanziert, 34 zurückgezahlt, 7 im default (da erwarte ich mir auch keine Rückflüsse mehr). Die Plattform gibt mir einen IRR (nach Abschreibungen) von 5.32, ich errechne mir einen von 4.55 über die 4 Jahre. Mal gespannt wo ich da lande. Ich finde das Ergebnis ok, wenn auch nicht umwerfend und lasse die Plattform so weiterlaufen. Kämpfe immer wieder mit cash drag, da ich die Kredite ein Minimum selektioniere und immer wieder nichts vernünftiges im Angebot ist. Reinvestiere die Rückflüsse, aufstocken tue ich aber nicht.
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Investiert:LinkedFinance /Peerberry/ Afranga/Mintos (Bonds) /Esketit/Viainvest/Iuvo /Heavyfinance /Axiafunder / Bondora/Lendermarket
Watchlist:Look&Fin
Am Liquidieren: October /Kapilendo/ crowddesk/ Engel&Völkers/Estateguru
Abgewickelt:Investly/Viventor/Trine/Moncera /Twino |
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mawu
Anmeldedatum: 26.04.2018
Beiträge: 29
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| Verfasst am: 18.03.2022, 21:01 Titel: Re: October Erfahrungen (Frankreich+Spanien+Italien) vor. Le |
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Meine Erfahrung deckt sich mit der von Claus:
101 Loans, 49 zurückgezahlt und 17 Default (investiert seit Q1/2018)
Current rate: 0,01% |
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mawu
Anmeldedatum: 26.04.2018
Beiträge: 29
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| Verfasst am: 31.05.2022, 11:27 Titel: Re: October Erfahrungen (Frankreich+Spanien+Italien) vor. Le |
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October übernimmt Credit.fr:
https://de.october.eu/october-uebernimmt-die-franzoesische-plattform-credit-fr/
| Zitat: | Today, we have some important news to share with you. October acquires the second main French SME lending platform, Credit.fr.
Since its launch in 2015, the 15,000 active retail lenders from Credit.fr have financed more than 900 entrepreneurial projects, for a total amount of €115 millions.
The merger with Credit.fr will provide you with new investment opportunities in France. Of course, we will continue working hard to offer more projects from other countries too!
Finally, the expertise acquired over the years by the Credit.fr teams will enrich October’s processes to provide you with the best possible experience. |
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Claus Lehmann
Site Admin
Anmeldedatum: 31.08.2007
Beiträge: 18263
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| Verfasst am: 17.10.2022, 14:32 Titel: Re: October Erfahrungen (Frankreich+Spanien+Italien) vor. Le |
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October fährt deutsches Neugeschäft auf Null
https://finanz-szene.de/fintech/kmu-kreditvermittler-october-faehrt-deutsches-neugeschaeft-auf-null/
_________________
Meine Investments (aktualisiert 12/24):
Laufend: Bondora*, Estateguru*, Indemo*, Inrento*, Mintos*, Crowdestate* (Rest), October* (Rest), Linked Finance* (Rest), Plenti (Rest), Ventus Energy*, Seedrs*, Crowdcube, Housers* (Rest),
Beendet: Smava, Auxmoney, MyC4, Zidisha, Crosslend, Lendico, Omarahee, Lendy, Ablrate, Bondmason, Finbee*, Assetz Capital, Bulkestate, Fellow Finance, Investly*, Iuvo*, Landex, Lendermarket*, Lenndy, Moneything,
Neofinance*, Reinvest24, Robocash*, Viainvest*, Viventor, Zlty Melon |
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Claus Lehmann
Site Admin
Anmeldedatum: 31.08.2007
Beiträge: 18263
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| Verfasst am: 22.07.2024, 12:05 Titel: Re: October Erfahrungen (Frankreich+Spanien+Italien) vor. Le |
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| Zitat: | | we have stopped originating [loans] following the sale of our technology to Sopra Steria |
https://www.finyear.com/October-la-fin-des-prets-aux-PME-apres-la-cession-d-October-Connect-a-Sopra-Banking-Software_a50371.html
_________________
Meine Investments (aktualisiert 12/24):
Laufend: Bondora*, Estateguru*, Indemo*, Inrento*, Mintos*, Crowdestate* (Rest), October* (Rest), Linked Finance* (Rest), Plenti (Rest), Ventus Energy*, Seedrs*, Crowdcube, Housers* (Rest),
Beendet: Smava, Auxmoney, MyC4, Zidisha, Crosslend, Lendico, Omarahee, Lendy, Ablrate, Bondmason, Finbee*, Assetz Capital, Bulkestate, Fellow Finance, Investly*, Iuvo*, Landex, Lendermarket*, Lenndy, Moneything,
Neofinance*, Reinvest24, Robocash*, Viainvest*, Viventor, Zlty Melon |
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| Nach oben |
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Claus Lehmann
Site Admin
Anmeldedatum: 31.08.2007
Beiträge: 18263
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| Verfasst am: 04.03.2025, 22:42 Titel: Re: October Erfahrungen (Frankreich+Spanien+Italien) vor. Le |
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Ich hab von October vier mal das als Update zu vier Krediten bekommen
| Zitat: | Our teams have been in contact with the judicial liquidator in charge of the liquidation procedure of the company to obtain updated information on its progress. To date, we have not yet received a response from him.
Given that the liquidation began over a year ago, we believe it is prudent to classify this project as a loss and consider any prospects of recovery nonexistent. |
_________________
Meine Investments (aktualisiert 12/24):
Laufend: Bondora*, Estateguru*, Indemo*, Inrento*, Mintos*, Crowdestate* (Rest), October* (Rest), Linked Finance* (Rest), Plenti (Rest), Ventus Energy*, Seedrs*, Crowdcube, Housers* (Rest),
Beendet: Smava, Auxmoney, MyC4, Zidisha, Crosslend, Lendico, Omarahee, Lendy, Ablrate, Bondmason, Finbee*, Assetz Capital, Bulkestate, Fellow Finance, Investly*, Iuvo*, Landex, Lendermarket*, Lenndy, Moneything,
Neofinance*, Reinvest24, Robocash*, Viainvest*, Viventor, Zlty Melon |
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Hieschen
Anmeldedatum: 16.03.2018
Beiträge: 660
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| Verfasst am: 04.03.2025, 22:46 Titel: Re: October Erfahrungen (Frankreich+Spanien+Italien) vor. Le |
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| Claus Lehmann hat Folgendes geschrieben: | Ich hab von October vier mal das als Update zu vier Krediten bekommen
| Zitat: | Our teams have been in contact with the judicial liquidator in charge of the liquidation procedure of the company to obtain updated information on its progress. To date, we have not yet received a response from him.
Given that the liquidation began over a year ago, we believe it is prudent to classify this project as a loss and consider any prospects of recovery nonexistent. |
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Hab ich auch bekommen, die wickeln die Resterampe ab.
_________________
Investiert:LinkedFinance /Peerberry/ Afranga/Mintos (Bonds) /Esketit/Viainvest/Iuvo /Heavyfinance /Axiafunder / Bondora/Lendermarket
Watchlist:Look&Fin
Am Liquidieren: October /Kapilendo/ crowddesk/ Engel&Völkers/Estateguru
Abgewickelt:Investly/Viventor/Trine/Moncera /Twino |
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Claus Lehmann
Site Admin
Anmeldedatum: 31.08.2007
Beiträge: 18263
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| Verfasst am: 19.07.2025, 10:41 Titel: Re: October Erfahrungen (Frankreich+Spanien+Italien) vor. Le |
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| Zitat: | Hi Claus,
Early 2024, we announced three major changes for October and for you:
the sale of our technology platform to Sopra Banking Software,
the end of new loan origination,
and the transition to run-off management of the loan portfolio.
This decision was based on a simple observation: the rising returns expected by investors were no longer compatible with the repayment capacity of European borrowers. In this context, origination alone could no longer generate enough volume to sustain a profitable business—unless we monetized our technology platform with third parties.
In other words, before the sale, October had two revenue streams: loan origination and SaaS technology licensing. After the sale, origination alone could no longer support the business model over the medium term.
Eighteen months later, we’re confident we made the right choice. Acting early gave us the means to manage your loan portfolios calmly and efficiently—without asking for any financial contribution from you, unlike some platforms today.
The group’s transformation has not been easy. But the dedication of our teams, fully focused on managing and recovering loans on your behalf, gives us confidence in the future. In the spirit of transparency, we’d like to provide an update on the key points.
How is October financed?
The company—its technical and human resources—is funded through:
its own cash reserves. The proceeds from the platform sale helped build a financial buffer
monthly fees charged to borrowers.
How is recovery funded?
We advance 100% of recovery costs, including:
registering collateral (pledges, guarantees, etc.),
legal fees in case of court action,
court clerk fees for commercial tribunals.
These costs are initially paid by October, and then reclaimed from the borrower. In the case of partial repayment, these costs are deducted first from recovered amounts, before any redistribution to lenders. In case of non-repayment, these costs become a loss for October.
Additionally, when there is a failed direct debit or a legal dispute, additional fees (as specified in the contract) are charged to the borrower. These fees cover:
the structural costs of recovering defaulted projects,
and serve as an incentive for borrowers to stay on schedule, preventing them from treating the loan as a flexible cash facility.
In summary
Lenders bear no costs.
Our recovery efforts help preserve portfolio quality. The fees collected reflect an alignment of interests between October and its lenders—just like the investments made in the loans by our management team from day one. That’s the real meaning of “skin in the game”—our daily motivation to do what’s best for you.
Two Recovery Tracks
Pre-litigation
Key metrics for assessing pre-litigation recovery include:
the number and amount of rejected payments on loans with no final contract,
the number and amount of payments recovered following an amicable recovery action.
The ratio between these amounts gives the pre-litigation recovery rate.
Over the past 18 months:
Total amount rejected by borrowers: €15.7 million (out of nearly €147 million debited),
Rejection rate: just under 11%.
Amount recovered via amicable efforts: €8 million.
Resulting pre-litigation recovery rate: a little over 51% of rejected amounts.
Litigation
We initiate legal proceedings when a project has many unpaid installments, a clear unwillingness to repay, or the borrower enters a formal insolvency procedure. This leads to a loan termination (acceleration clause).
The goal is to claim the full outstanding amount, including:
unpaid installments,
remaining principal,
and late payment penalties.
Termination also enables us to trigger any available guarantees.
Key litigation recovery metrics:
Outstanding capital,
Amount recovered after termination.
We distinguish two categories of loans:
Loans backed by state guarantees
Outstanding capital: €40 million
Recovered via guarantees: €25 million → 62% recovery rate
This rate is expected to rise gradually, approaching the program’s coverage level (~80%), though reimbursement delays from the guarantor remain a key constraint.
Loans not backed by state guarantees
Outstanding capital: €65 million
Recovered: €6.7 million → just over 10% recovery rate
The number of projects in litigation mirrors national trends in corporate defaults, with a peak in 2023/2024 and a decline starting in early 2025.
In conclusion
Eighteen months on, we are even more confident in our ability to manage the loan portfolio through to completion. While our resources are more limited than before, they are entirely focused on this mission.
As of today, all October funds have returned more than their initial investment, offering a positive return to all investors. For individual lenders, outcomes may vary depending on the projects you supported. But we are committed to doing everything we can to maintain those results—for you, who chose to invest in October projects and place your trust in us. |
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Meine Investments (aktualisiert 12/24):
Laufend: Bondora*, Estateguru*, Indemo*, Inrento*, Mintos*, Crowdestate* (Rest), October* (Rest), Linked Finance* (Rest), Plenti (Rest), Ventus Energy*, Seedrs*, Crowdcube, Housers* (Rest),
Beendet: Smava, Auxmoney, MyC4, Zidisha, Crosslend, Lendico, Omarahee, Lendy, Ablrate, Bondmason, Finbee*, Assetz Capital, Bulkestate, Fellow Finance, Investly*, Iuvo*, Landex, Lendermarket*, Lenndy, Moneything,
Neofinance*, Reinvest24, Robocash*, Viainvest*, Viventor, Zlty Melon |
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