Fourth Discounted Debt Repayment of 2025!
We’re starting July on a high note with another successful repayment – the fourth one this year!
We’re excited to share that €144,536.05 in principal and interest has just been repaid to our investors from the R005: Apartment at Baronessa de Malda debt. This repayment affects 800 investors, making up 7.5% of all active Notes on the platform. It marks yet another significant milestone for Indemo and continues to demonstrate the reliability of our Discounted Debt investment model.
Annual ROI ranged from 15.01% to 23.77%. The annual average weighted ROI for this repayment was 16.12%, reinforcing the consistent returns our community of investors is seeing through real estate-backed recovery strategies.
🔦 Spotlight on the Repaid Debt: R005 – Apartment at Baronessa de Malda
At Indemo, every Discounted Debt investment is backed by real residential property in Spain, giving investors a tangible asset and a real sense of confidence in the recovery process.
R005 is no exception.
This investment was linked to an apartment located on Baronessa de Malda 2, in the El Gall neighborhood of Esplugues de Llobregat, a well-established residential zone southwest of central Barcelona. It sits at the corner of Doctor Ramon Turró street, in a mixed-use building with commercial premises on the ground floor. The surrounding area is known for its urban stability and proximity to major municipalities like Hospitalet de Llobregat and Sant Joan Despí, just 10 km from the heart of Barcelona.
The debt was first listed on June 25, 2024, while in the Submission Confirmation stage. It remained in this stage until the full repayment on July 10, 2025.
📊 Key Figures:
Financial Metrics:
- Total Debt: €173,567
- Appraisal Value: €235,000
- Purchase Price: €125,000
- Price-to-Debt Ratio (PTD): 72%
- Price-to-Value Ratio (PTV): 53%
Repayment Details:
- Repayment Date: July 10, 2025
- Repayment Amount: €144,536.05 (Principal + Interest)
- Annual Average Weighted ROI: 16.12%
- Investors Affected: 800
- Percent of Notes Affected: 7.5%
Flow & Exit:
- Flow Stage at Listing: Submission Confirmation
- Flow Stage at Repayment: Submission Confirmation
- Exit Scenario: Hybrid
Hybrid Exit Scenario:
Sale on Institutional Secondary Market + Out-of-Court Settlement
The R005 repayment was completed through a combination of a sale on the institutional secondary market and an out-of-court settlement. In this case, the debtor had identified a buyer interested in acquiring the underlying real estate and was looking to transfer the debt. A third party was willing to refinance the obligation and settle the outstanding balance with the debtor separately.
After assessing the situation, the servicing company has concluded that a full legal process was not necessary, as it might erode the return on investment. This hybrid approach allowed for both market execution and a negotiated resolution, resulting in an efficient and timely recovery.
The R005 case highlights the strength of Indemo’s offered Discounted Debts' flexible recovery model and its ability to adapt to real-time circumstances to protect investor returns. As was previously described in the Investors Academy, the servicing company focuses on alternative recovery strategies to deliver faster results while keeping the target ROI.
💡 A Note on Returns
As with all Indemo Discounted Debt investments, actual returns depend on when you entered the investment. Early-stage entries typically offer lower price-to-debt ratios and longer recovery timelines but higher return potential. Later-stage entries offer quicker exits but usually come at a higher price.
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.
💸 Ready to Reinvest? Earn up to 4% Cashback!
Campaign Period: July 2 – August 1, 2025, 23:59 GMT
We’re back with Indemo Summer Returns Cashback – Vol. 2! Whether you’re reinvesting your capital from R005 or just getting started, now’s your chance to boost your portfolio returns. Earn up to 4% instant cashback based on your total investments during the campaign period.
Check out the full details here: Indemo Summer Returns Cashback – Vol. 2
What’s Next?
Another debt closed, another reason to stay invested. Let’s keep the momentum going!
We’ve got more recoveries in the pipeline, more investment opportunities in the works, and more tools to help you build your portfolio with confidence.
Not an investor yet?
Join Indemo today and start building your wealth with Discounted Debt investments backed by real estate.
👉 Sign up and invest
Stay tuned for more updates and success stories as 2025 continues!
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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.