Regulation (EU) 2020/1503 — Art. 20.1.a
Consolidated historical data on Cresor's activity. Published with a minimum annual update and calculated in accordance with Commission Delegated Regulation (EU) 2022/2115 of 13 July 2022.
164.172.203 €
Total funded
112,732,227 €
Total repaid
951
Projects funded
13 meses
Average term
Important considerations
Both the global portfolio and the business project portfolio include the volume funded by Grow.ly and the evolution of its portfolio. Grow.ly was a Crowdfunding Service Platform aimed at SMEs and merged with StockCrowd IN (now Cresor) in 2022. Grow.ly data will be updated at least annually.
| Concept | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|
| Portfolio (volume) | |||||||
| Volume of loans granted | 3,125,411 € | 6,141,868 € | 8,145,495 € | 18,350,000 € | 22,126,074 € | 26,995,000 € | 28,958,000 € |
| Total capital repaid | 3,104,360 € | 6,078,439 € | 8,145,495 € | 18,004,273 € | 16,826,074 € | 13,744,250 € | 178,000 € |
| Outstanding capital (no incidents) | 0 € | 0 € | 0 € | 0 € | 4,700,000 € | 13,250,750 € | 28,780,000 € |
| Outstanding refinanced capital (not defaulted) | 0 € | 0 € | 0 € | 0 € | 0 € | 0 € | 0 € |
| Capital overdue 30–90 days | 0 € | 0 € | 0 € | 0 € | 0 € | 0 € | 0 € |
| Outstanding capital on defaulted loans* | 0 € | 63,430 € | 0 € | 345,728 € | 600,000 € | 0 € | 0 € |
| · Of which refinanced** | 0 € | 0 € | 0 € | 0 € | 0 € | 0 € | 0 € |
| · Of which non-performing | 0 € | 0 € | 0 € | 345,728 € | 600,000 € | 0 € | 0 € |
| · Of which written off | 0 € | 63,430 € | 0 € | 0 € | 0 € | 0 € | 0 € |
| Capital loss on participating loans | 21,051 € | 0 € | 0 € | 0 € | 0 € | 0 € | 0 € |
| % of volume | |||||||
| % default by volume | 0.00% | 1.03% | 0.00% | 1.88% | 2.71% | 0.00% | 0.00% |
| % refinanced considered defaulted | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| % non-performing loans | 0.00% | 0.00% | 0.00% | 1.88% | 2.71% | 0.00% | 0.00% |
| % written-off loans | 0.00% | 1.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Portfolio (number of loans) | |||||||
| No. of loans granted | 13 | 20 | 22 | 34 | 35 | 37 | 22 |
| No. of loans fully repaid | 13 | 19 | 22 | 32 | 31 | 14 | 0 |
| No. of active loans with no incidents | 0 | 0 | 0 | 0 | 3 | 23 | 22 |
| No. of refinanced not defaulted | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| No. overdue 30–90 days | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| No. of defaulted loans* | 0 | 1 | 0 | 2 | 1 | 0 | 0 |
| · Refinanced** | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| · Non-performing | 0 | 0 | 0 | 2 | 1 | 0 | 0 |
| · Written off | 0 | 1 | 0 | 0 | 0 | 0 | 0 |
| % of number | |||||||
| % default by number | 0.00% | 5.00% | 0.00% | 5.88% | 2.86% | 0.00% | 0.00% |
| % refinanced considered defaulted | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| % non-performing | 0.00% | 0.00% | 0.00% | 5.88% | 2.86% | 0.00% | 0.00% |
| % written off | 0.00% | 5.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Portfolio default probability
1,82%
Weighted annual historical IRR****
10,45%
The most recent years are shown first. Use the arrows or scroll horizontally to see the full history. Source: Cresor internal records calculated in accordance with Regulation (EU) 2020/1503.
The published data on both the amount and number of loans granted and defaulted correspond to those granted in the year in question. For example, if a loan was granted in 2020 and defaulted in 2021, the data will appear under 2020, as that is the year in which the loan was granted.
* Loans in arrears are those with a default of more than 90 days. Non-performing loans are those that, in accordance with the regulations, can be considered as such under Law 35/2006 of 28 November on Personal Income Tax. Note on materiality pursuant to Article 1(1): the platform will not consider overdue instalments as defaulted where the outstanding principal amount is less than 20% of that instalment, provided it does not exceed €2,000.
** Refinanced loans that are not considered defaulted will not be included in statistics as refinanced and defaulted, provided the refinancing does not exceed 12 months and it is the first refinancing of the loan. This will not be treated as a default provided the platform, in accordance with Article 1(3), does not consider the probability of default to be high. Nonetheless, explicit mention will be made of outstanding refinanced loans not considered as defaulted.
*** The number of liquidated transactions considered in the 'Capital raise' section refers to those transactions that have been settled, both those that generated a capital gain and those that did not.
**** For the IRR calculation, only successfully completed projects and those declared non-performing are taken into account. Projects in arrears or refinanced projects are not included. You can see more details on how the calculation is performed here.
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