2nd Repayment of 2026 on Indemo
We’re continuing the momentum in 2026 with yet another successful repayment, adding another proof point to Indemo’s growing track record of consistent, real estate-backed recoveries.
This marks the 17th Debt Repayment in Indemo’s debt portfolio and the second repayment of 2026, further validating the reliability of our Discounted Debt model and the performance it continues to deliver to our investor community.
This time, €47,504 in principal and interest was repaid to our investors from the J051 – House in Aznalcázar debt. This repayment affected the portfolios of 977 investors..
The annual average weighted ROI for this repayment reached 15.56%, with individual annual returns ranging from 15.06% to 17.93%, depending on when each investment was made (excluding cashback income paid under the promo campaigns when investing).
Once again, delivering stable performance for our investor community.
🔦 Spotlight on the Repaid Debt: J051 – House in Aznalcázar, Sevilla
At Indemo, every Discounted Debt investment is secured by real residential property in Spain, a tangible asset that supports confidence throughout the recovery process.
J051 is backed by a house in Aznalcázar (Sevilla), located in the Club Las Minas Golf neighborhood. The area is primarily a main-residence zone, with local economic activity centered around agriculture and services. It’s generally considered a middle-class residential area, inhabited mostly by Spanish residents.
Property overview
- Object Type: House
- Year Constructed: 2003
- Size: 152 m²
- Location: Aznalcázar, Sevilla (Club Las Minas Golf)
Key pricing ratios at listing
- PTD (Price to Debt): 13.5%
- PTV (Price to Value): 53.7%
- Recovery Stage at listing: First notification
J051 was first listed on 18 February 2025 at Step 1 – Claim Preparation. It reached repayment at Step 3 – Claim Acceptance, reflecting steady progress early in the recovery flow.
💼 Recovery (exit) scenario
This repayment was achieved through an out of court settlement. The settlement was achieved as the debtor was pushed by the significant debt amount, more than three times higher than the pledged property, realising that the new creditor's foreclosure claim was accepted and processed by the court. Through a settlement where the debtor brought an interested buyer for the property. Within the settlement, the buyer purchased the property (in poor condition and requiring renovation), thereby allowing the debtor to be released from excessive debt, while the servicing company secured the sale proceeds to settle with investors in line with the targeted return.
This outcome is a strong example of how alternative recovery methods can deliver efficient results and timely investor outcomes, without relying solely on the full court-driven process.
📊 Key Figures
Repayment Details
- Repayment Date: 18 March 2026
- Repayment Amount: €47,504 (Principal + Interest)
- Annual Average Weighted ROI: 15.56% p.a.
- Annual Return Range: 15.06% – 17.93% p.a.
Investor Impact
- Investors Affected: 977
Flow & Exit
- Flow Stage at Listing: Step 1 – Claim Preparation
- Flow Stage at Repayment: Step 3 – Claim Acceptance
- Exit Scenario: Out-of-court settlement
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.
What’s Next?
Another debt repaid. Another milestone delivered.
We’ll continue sharing repayments and focused updates as recoveries progress across the portfolio, and as our servicing partners execute the most effective path for each individual case.
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.
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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.