10th Discounted Debt Repayment of 2025
We’re continuing the momentum this December with yet another successful repayment — the second one this month and a strong addition to Indemo’s growing track record of consistent real estate-backed recoveries.
This marks the 15th Debt Repayment in Indemo’s debt portfolio, further validating the reliability of our Discounted Debt model and the performance it continues to deliver to our investor community.
This time, €111,636.14 in principal and interest was repaid to our investors from the J038 – House at Calle Virgen María, Madrid debt. This repayment affected the portfolios of 1,534 investors, representing 4.5% of all active Notes on the platform.
The annual average weighted ROI for this repayment reached an impressive 16.58% per annum, with individual returns ranging from 16% to 38% per annum.
Once again delivering strong performance for our investor community.
🔦 Spotlight on the Repaid Debt: J038 – House at Calle Virgen María, Madrid
At Indemo, every Discounted Debt investment is secured by real residential property in Spain — a tangible asset that reinforces investor confidence in the recovery process.
J038 was no exception.
The asset is a house located at Calle Virgen María, a desirable residential area with stable housing demand and strong property valuations. The neighborhood is well-serviced and primarily occupied by local residents, making the property a reliable security for investors.
This debt was first listed on 24 December 2024 at the First Notification stage in our recovery flow. After a carefully managed process, it reached full repayment on 5 December 2025, demonstrating the efficiency and consistency of our model.
💼 Recovery (exit) scenario:
This repayment was facilitated through the sale of the debt on the institutional debts secondary market, one of the key exit strategies in Indemo’s recovery model. This strategic exit highlights the robustness and flexibility of our investment process, ensuring timely returns while managing risks effectively.
The J038 repayment serves as yet another proof point that real estate-backed debts can yield strong returns - especially when supported by Indemo’s rigorous due diligence and recovery strategy, as well as allowing for exits without going through the whole legal recovery flow.
📊 Key Figures:
Repayment Details:
- Repayment Date: 5 December 2025
- Repayment Amount: €111,636.14 (Principal + Interest)
- Annual Average Weighted ROI: 16.58% p.a.
- ROI Range: 15.73% – 38.23% p.a.
Investor Impact:
- Investors Affected: 1,534
- Percentage of all Notes issued Affected: 4.5%
Flow & Exit:
- Flow Stage at Listing: First Notification
- Flow Stage at Repayment: Claim Filing
- Exit Scenario: Sale on the secondary market
This repayment also demonstrates the flexibility of our recovery scenarios, where the servicing company may choose the most effective approach for each individual case, without waiting for every stage of the full recovery flow to be completed.
💸 Ready to Reinvest? Don’t miss record-high cashback opportunities!
With the 15th repayment now completed, Indemo continues to demonstrate the resilience and consistency of its recovery pipeline. Each successful repayment not only reinforces investor confidence but also showcases the reliability of our real-estate-secured investment model.
What’s Next?
Another debt repaid. Another milestone achieved.
Our recovery pipeline remains robust, with more opportunities for investors just around the corner.
Not an investor yet?
Join Indemo today and start growing your wealth with real estate-backed Discounted Debt investments.
Stay tuned for more updates and success stories as we move further through 2025!
A Note on Returns 💡
As with all Indemo Discounted Debt investments, actual returns depend on when you entered the investment, determined by the issue date of your Note.
To check your individual ROI from this repayment, head over to the Portfolio section of your Indemo account. For broader insights, check out the Analytics dashboard.
Stay informed on Indemo News by following our socials
📢 Telegram - Exclusive Indemo Chat Content where you can chat with key Indemo stakeholders
📷 Instagram- Weekly content, Meet the Team, Investment updates, Keep an eye on our stories 😉
🎥 YouTube - Podcasts, Meet Indemo Experts, Quarterly Reviews, Exclusive Giveaways
This content is a marketing communication. It shall not be treated as investment advice, independent research or offer, recommendation or invitation to invest in the investment opportunities referred to herein. The content is not aimed at promoting services or products to persons based in jurisdictions where the distribution of said information would be illegal.
Investing in financial instruments involves risk, and there’s no guarantee that investors will get back invested capital. Moreover, past performance does not guarantee future returns. Indemo SIA shall not be responsible for any direct or indirect loss from using the provided information.