Debitum

Latvia · Empresas · Fundada 2018

Nuestra nota

6,9

Rentabilidad media

11,5%

media de la plataforma

Regulación: Investment firm licence 06.06.08.728/537 (Latvijas Banka, 21 Sep 2021)

1 % de cashback sobre lo que invierta en sus primeros 30 días

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Nuestro veredicto

Debitum's structure is stronger than most business-lending peers: SIA DN Operator holds investment firm authorisation No. 06.06.08.728/537 from Latvijas Banka, issued 21 September 2021, and the Latvian compensation scheme covers 90% of losses up to €20,000 if Debitum itself fails — not borrower or issuer defaults. The problem in 2026 is concentration: the Latvian Forest Development Fund (LFDF) grew to an estimated 65–86% of outstanding investments by spring 2026, and published allegations of related-party land purchases at large markups, which Debitum disputes, have not been independently reviewed. There is no secondary market, so money stays committed until each note or ABS matures, and Debitum Flow offers only queued withdrawals funded by new investments. It is no longer the diversified business-lending platform its 2018–2024 history suggests.

Leer nuestra reseña completa de DebitumRegulación, rentabilidad, comisiones, riesgos y nuestro veredicto, en detalle (en inglés).

Lo que funciona

Investment firm authorisation No. 06.06.08.728/537 from Latvijas Banka, issued 21 September 2021
Latvian investor compensation scheme covers 90% of losses up to €20,000 if Debitum itself cannot return client assets
Business loans rather than consumer credit — exposure that differs from most P2P platforms
No investor fees, and SIA DN Operator reported a 2025 net profit of about €507,000, audited by BDO

Lo que no

LFDF made up an estimated 65–86% of outstanding investments in spring 2026
Allegations of related-party land purchases at large markups remain disputed, with no full independent review published
No secondary market: money is locked until maturity, and Debitum Flow offers only queued withdrawals funded by new investments
Debitum describes the ABS buyback as a partner's right, and it is only as strong as that partner

Para quién es

Investors who already hold consumer-loan platforms, want a small licensed business-lending position, and will choose issuers themselves and keep LFDF exposure to a level they could do without for years.