Third Discounted Debt Repayment of 2025!
We’re starting June on a high note with another successful repayment – the third one this year!
We’re excited to share that €191 061 in principal and interest has just been repaid to our investors from the RO79: House in Les Preses, Girona debt. This repayment affects 1,677 Investors, making up 9.3% of all active Notes on the platform. This marks another important milestone for Indemo and showcases the strength of our Discounted Debt investment model.
The ROI in investors' portfolios ranged from 15% up to 34% per annum, with annual average weighted ROI for this repayment of 17.78%, continuing to demonstrate how retail investors can achieve meaningful returns while participating in real estate-backed recovery strategies.
Let’s take a closer look at this debt and what it means for you.
Spotlight on the Repaid Debt: RO79 – House in Les Preses, Girona
At Indemo, every Discounted Debt investment is backed by real residential property in Spain, providing a tangible asset base that supports investor confidence.
RO79 was no exception.
This was a 296 m² house constructed in 1994, located in Les Preses, Girona—a quiet municipality in the Catalonian countryside. The property was part of a court-claimed debt recovery process, first listed on January 21, 2025, when the debt was in the "Court Claim Applied" stage. Initial details about this debt was listed here
Key Figures:
- Total Debt: €315,086
- Appraisal Value: €298,757
- Purchase Price: €180,900
- Price-to-Debt Ratio (PTD): 57.4%
- Price-to-Value Ratio (PTV): 60.6%
- Repayment Date: June 9, 2025
- Repayment Amount: €191 060.94 (Principal €180 707.42 + Interest €10 353.52)
- Annual Average Weighted ROI: 17.78%
- Investors Affected: 1,677
- Percent of Notes Affected: 9.3%
- Flow Stage at Listing: Court Claim Applied
- Flow Stage at Repayment: Court Claim Applied
- Exit scenario: Sale in the Institutional Debts Secondary Market
Exit Scenario: Sale in the Institutional Debts Secondary Market
This repayment was facilitated through the sale of the debt on the institutional debts secondary market, a one of the key exit strategy 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 R079 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.
A Note on Returns
As with all Indemo Discounted Debt investments, actual returns may vary depending on when you entered the investment cycle. Early-stage investments often carry lower PTV ratios and longer recovery periods, offering higher potential returns. Later-stage entries can yield faster liquidity but often at a higher price.
To better understand your own ROI from RO79 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: May 26 – June 30, 23:59 GMT
We’re heating things up this summer with our Indemo Summer Returns Cashback campaign! Whether you're reinvesting your capital from this repayment or just starting out, this is the perfect opportunity to maximize your portfolio performance. This offer lets you unlock increasing cashback rewards on your total investments during the campaign period.
For more information, check out the campaign details here: Indemo Summer Returns Cashback
What’s Next?
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.
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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.