{"id":15891,"date":"2026-04-15T06:00:00","date_gmt":"2026-04-15T04:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/debitum-erfahrungen-2023-lohnt-sich-ein-investment\/"},"modified":"2026-04-10T12:41:09","modified_gmt":"2026-04-10T10:41:09","slug":"debitum-review","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/en\/debitum-review\/","title":{"rendered":"Debitum Review 2026: Top 5 P2P Platform! (Here&#8217;s Why!)"},"content":{"rendered":"<p>Debitum Investments (formerly Debitum Network) is a P2P platform based in Latvia and regulated by the local financial supervisory authority. What makes Debitum special is its unique positioning in the P2P lending environment, as it is regulated, follows a marketplace model and offers buy-backed business loans. A combination that cannot be found in this form on any other P2P platform.<\/p>\r\n<p>The innovations that have taken place since the change of ownership in August 2023 have significantly raised the profile and attractiveness of Debitum Investments. The improved loan supply, interest rates of up to 15% and the higher liquidity make Debitum one of the most exciting platforms to consider in 2024. At the same time, the new shareholders also have to deal with the legacy issues from the past, including the original ICO funding or the defaulted assets in Ukraine.<\/p>\r\n<p>In this Debitum review, investors are given a detailed analysis of the platform and whether or not it is worthwhile to invest. Please note that a<span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">ll the information that are covered in this Debitum review are based on my own personal research and experiences. Make sure to do your own due diligence before investing on any platform.\u00a0<\/span><\/p>\r\n<p>Further analyses of other platforms can be found on my <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-reviews\/\" target=\"_blank\" rel=\"noopener\"><strong>P2P Platform Review<\/strong><\/a> page.<\/p>\r\n<div class=\"su-button-center\"><a href=\"http:\/\/bit.ly\/rethink-p2p-goes-debitum\" class=\"su-button su-button-style-default\" style=\"color:#ffffff;background-color:#0aad27;border-color:#088b20;border-radius:8px\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color:#ffffff;padding:7px 22px;font-size:17px;line-height:26px;border-color:#54c668;border-radius:8px;text-shadow:0px 0px 0px #000000\"><i class=\"sui sui-check-circle\" style=\"font-size:17px;color:#FFFFFF\"><\/i> <strong>Sign Up on Debitum (1% Cashback | 30 Days)<\/strong><\/span><\/a><\/div>\r\n<hr \/>\r\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_67_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rethink-p2p.de\/en\/debitum-review\/#Summary\" title=\"Summary\u00a0\u00a0\">Summary\u00a0\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rethink-p2p.de\/en\/debitum-review\/#What_is_Debitum_Investments\" title=\"What is Debitum Investments?\">What is Debitum Investments?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rethink-p2p.de\/en\/debitum-review\/#Ownership_and_Management\" title=\"Ownership and Management\">Ownership and Management<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rethink-p2p.de\/en\/debitum-review\/#Business_Model_and_Finances\" title=\"Business Model and Finances\">Business Model and Finances<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rethink-p2p.de\/en\/debitum-review\/#Sign_Up_and_Bonus\" title=\"Sign Up and Bonus\">Sign Up and Bonus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rethink-p2p.de\/en\/debitum-review\/#Investing_on_Debitum\" title=\"Investing on Debitum\">Investing on Debitum<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rethink-p2p.de\/en\/debitum-review\/#Debitum_Taxes\" title=\"Debitum Taxes\">Debitum Taxes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rethink-p2p.de\/en\/debitum-review\/#Debitum_Risks\" title=\"Debitum Risks\">Debitum Risks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rethink-p2p.de\/en\/debitum-review\/#Advantages_and_Disadvantages\" title=\"Advantages and Disadvantages\">Advantages and Disadvantages<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/rethink-p2p.de\/en\/debitum-review\/#Debitum_Alternatives\" title=\"Debitum Alternatives\">Debitum Alternatives<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/rethink-p2p.de\/en\/debitum-review\/#Community_Feedback\" title=\"Community Feedback\">Community Feedback<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/rethink-p2p.de\/en\/debitum-review\/#Summary_Debitum_Review\" title=\"Summary Debitum Review\">Summary Debitum Review<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/rethink-p2p.de\/en\/debitum-review\/#FAQ_Debitum_Review\" title=\"FAQ Debitum Review\">FAQ Debitum Review<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Summary\"><\/span><strong>Summary\u00a0\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Before we get started, here is a quick summary with the most important information about Debitum Investments.<\/p>\r\n<ul>\r\n<li>Debitum Investments is a Latvian P2P platform where investors can invest in buy-backed business loans from external lending companies, while earning a return of up to 15%.<\/li>\r\n<li>The platform is operated by SIA DN Operator, which has been controlled by the financial supervisory authority in Latvia since 2021 and is regulated in accordance with MiFID II. As a result, investors&#8217; accounts are protected against misuse of funds or insolvency of the platform with up to EUR 20,000 by the investor compensation system.<\/li>\r\n<li>Since the change of ownership in August 2023, there have been a number of positive developments and new innovations on the platform. The loan supply, interest rates and liquidity have all been improved. New features such as Auto Invest have also been added.<\/li>\r\n<li>The platform has some legacy issues from the past. These include the crowdsale funding from 2017 (DEB Token) and the defaulted loans in Ukraine (Chain Finance).<\/li>\r\n<\/ul>\r\n<p><iframe loading=\"lazy\" title=\"Debitum Review 2024 | Time To Invest Again?\" width=\"810\" height=\"456\" data-src=\"https:\/\/www.youtube.com\/embed\/3AJ11QjMnQA?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" data-load-mode=\"1\"><\/iframe><\/p>\r\n<div class=\"su-table su-table-alternate\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>Founded \/ Started:<\/strong><\/td>\r\n<td>April 2019 \/ September 2018<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Legal Name:<\/strong><\/td>\r\n<td>SIA DN Operator (<a href=\"https:\/\/info.ur.gov.lv\/#\/legal-entity\/42103092209\" target=\"_blank\" rel=\"noopener\"><strong>LINK<\/strong><\/a>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Headquarter:<\/strong><\/td>\r\n<td>Riga, Latvia<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Regulated:<\/strong><\/td>\r\n<td>Yes (Financial and Capital Market Commission)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>CEO:<\/strong><\/td>\r\n<td><a href=\"https:\/\/www.linkedin.com\/in\/anatoly-putna-531a2281\/\" target=\"_blank\" rel=\"noopener\"><strong>Anatoly Putna<\/strong><\/a> (October 2025)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Community Voting:<\/strong><\/td>\r\n<td>P2 out of 30 | <a href=\"https:\/\/rethink-p2p.de\/p2p-kredite-community-voting-2025\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>See Voting<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Assets Under Management:<\/strong><\/td>\r\n<td>EUR 60+ Million<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Number of Investors:<\/strong><\/td>\r\n<td>32.000+\u00a0<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Expected Return:<\/strong><\/td>\r\n<td>14.83%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Primary Loan Type:<\/strong><\/td>\r\n<td>Business Loans\u00a0<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Collateral:<\/strong><\/td>\r\n<td>Buyback Guarantee<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Bonus:<\/strong><\/td>\r\n<td><strong><a href=\"http:\/\/bit.ly\/rethink-p2p-goes-debitum\" target=\"_blank\" rel=\"noopener noreferrer\">1% Cashback | 30 Days<\/a><\/strong><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"What_is_Debitum_Investments\"><\/span><span style=\"color: #000000;\"><strong>What is <\/strong><\/span><strong>Debitum Investments?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Debitum-Investments-Bonus.jpg\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-26079 size-full alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Debitum-Investments-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-26079 size-full alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Debitum-Investments-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a>Debitum Investments (formerly Debitum Network) is a Latvia-based P2P lending platform, launched in September 2018, where investors can fund business loans from SMEs and earn a return of up to 15%.<\/p>\r\n<p>The loans are not sourced by Debitum itself (with the exception of Sandbox Funding), but are offered from external lenders on the marketplace. Technically speaking, Debitum is therefore not a P2P, but a P2B (peer-to-business) platform.<\/p>\r\n<p>The platform reached an important milestone in September 2021 when it was granted a licence as an investment brokerage firm. Since then, the platform has been supervised by the Latvian Financial Supervisory Authority and regulated in accordance with MiFID II.<\/p>\r\n<p>The change of ownership in August 2023 is equally positive, as a result of which Debitum has seen a number of positive developments and new innovations. These include improvements for the loan supply, interest rates and liquidity. In addition, the Auto Invest function has also been reintroduced.<\/p>\r\n<p><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">Fun fact: The Latvian word &#8220;Debitum&#8221; translates as &#8220;credit debt&#8221;.<\/span><\/p>\r\n<h3>The Origin Story<\/h3>\r\n<p>The idea of Debitum, then called Debitum Network, was born in 2017. The founders at the time included <a href=\"https:\/\/www.linkedin.com\/in\/mliberts\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Martins Liberts<\/strong><\/a>, <a href=\"https:\/\/www.linkedin.com\/in\/donatas-j\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Donatas Juodelis<\/strong><\/a> and <a href=\"https:\/\/www.linkedin.com\/in\/justas-%C5%A1altinis-cfa\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Justas \u0160altinis<\/strong><\/a>.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Debitum-Network-Erfahrungen-Grundung.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18259 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Debitum-Network-Erfahrungen-Grundung.jpg\" alt=\"Debitum-Network-Review-Founder\" width=\"1000\" height=\"439\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Debitum-Network-Erfahrungen-Grundung.jpg 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Debitum-Network-Erfahrungen-Grundung-300x132.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Debitum-Network-Erfahrungen-Grundung-768x337.jpg 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/439;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18259\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Debitum-Network-Erfahrungen-Grundung.jpg\" alt=\"Debitum-Network-Review-Founder\" width=\"1000\" height=\"439\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Debitum-Network-Erfahrungen-Grundung.jpg 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Debitum-Network-Erfahrungen-Grundung-300x132.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Debitum-Network-Erfahrungen-Grundung-768x337.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>Before founding Debitum, both Martins and Justas set up Lithuanian company DEBIFO. This was a lender specialising in invoice financing for small and medium-sized enterprises (SMEs) from Lithuania. The lender, which has also been financing some of its loans via Mintos, is now known as Factris.<\/p>\r\n<p>Due to regulatory problems, DEBIFO had difficulties expanding its lending operations in other EU countries at the time. This problem initiated the idea of setting up a marketplace for similar lenders who faced the same issue. The idea of Debitum was born.<\/p>\r\n<p>Following a token sale, which raised the equivalent of around EUR 6 million, the P2P platform was set up. The operational launch of the platform took place in September 2018.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Ownership_and_Management\"><\/span>Ownership and Management<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Who are the main shareholders and management executives behind Debitum Investments? Let&#8217;s have a look!<\/p>\r\n<h3>Debitum Ownership<\/h3>\r\n<p>Who owns Debitum Investments? The Baltic-based P2P platform is operated by the company &#8220;SIA DN Operator&#8221;.<\/p>\r\n<p>A look into the Latvian company register reveals that 100% of the shares belong to the company \u201cZIdea.\u201d The beneficial owner of ZIdea is the Latvian citizen <a href=\"https:\/\/www.linkedin.com\/in\/ingus-salmi%C5%86%C5%A1-b00115ab\/\" target=\"_blank\" rel=\"noopener\"><strong>Ingus Salmins<\/strong><\/a>. Ingus has already been the majority shareholder of the P2P platform since July 2023. After his partner <span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\"><strong><a href=\"https:\/\/www.linkedin.com\/in\/eriks-rengitis-4b672744\/\" target=\"_blank\" rel=\"noopener\">Eriks Rengitis<\/a><\/strong><\/span> sold his shares (approximately 33%) <a href=\"https:\/\/debitum.investments\/blog\/debitum-follows-long-term-growth-plan-with-leadership-transition\/\" target=\"_blank\" rel=\"noopener\"><strong>in October 2025<\/strong><\/a>, Ingus became the sole owner of the Debitum P2P platform.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Debitum-Erfahrungen-Gesellschafter-Debitum-Review-Shareholder-Debitum-Opiniones-Accionistas-Debitum-Avis-2025.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-29849 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Debitum-Erfahrungen-Gesellschafter-Debitum-Review-Shareholder-Debitum-Opiniones-Accionistas-Debitum-Avis-2025.png\" alt=\"Debitum-Review-Shareholder-Ownership\" width=\"985\" height=\"264\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Debitum-Erfahrungen-Gesellschafter-Debitum-Review-Shareholder-Debitum-Opiniones-Accionistas-Debitum-Avis-2025.png 985w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Debitum-Erfahrungen-Gesellschafter-Debitum-Review-Shareholder-Debitum-Opiniones-Accionistas-Debitum-Avis-2025-300x80.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Debitum-Erfahrungen-Gesellschafter-Debitum-Review-Shareholder-Debitum-Opiniones-Accionistas-Debitum-Avis-2025-768x206.png 768w\" data-sizes=\"(max-width: 985px) 100vw, 985px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 985px; --smush-placeholder-aspect-ratio: 985\/264;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-29849\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Debitum-Erfahrungen-Gesellschafter-Debitum-Review-Shareholder-Debitum-Opiniones-Accionistas-Debitum-Avis-2025.png\" alt=\"Debitum-Review-Shareholder-Ownership\" width=\"985\" height=\"264\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Debitum-Erfahrungen-Gesellschafter-Debitum-Review-Shareholder-Debitum-Opiniones-Accionistas-Debitum-Avis-2025.png 985w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Debitum-Erfahrungen-Gesellschafter-Debitum-Review-Shareholder-Debitum-Opiniones-Accionistas-Debitum-Avis-2025-300x80.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Debitum-Erfahrungen-Gesellschafter-Debitum-Review-Shareholder-Debitum-Opiniones-Accionistas-Debitum-Avis-2025-768x206.png 768w\" sizes=\"(max-width: 985px) 100vw, 985px\" \/><\/noscript><\/a><\/p>\r\n<h3>Debitum Management<\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Debitum-Erfahrungen-CEO-Debitum-Review-CEO-Debitum-Opiniones-CEO-Debitum-Avis-PDG.png\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-29735 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Debitum-Erfahrungen-CEO-Debitum-Review-CEO-Debitum-Opiniones-CEO-Debitum-Avis-PDG.png\" alt=\"\" width=\"300\" height=\"300\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Debitum-Erfahrungen-CEO-Debitum-Review-CEO-Debitum-Opiniones-CEO-Debitum-Avis-PDG.png 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Debitum-Erfahrungen-CEO-Debitum-Review-CEO-Debitum-Opiniones-CEO-Debitum-Avis-PDG-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Debitum-Erfahrungen-CEO-Debitum-Review-CEO-Debitum-Opiniones-CEO-Debitum-Avis-PDG-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Debitum-Erfahrungen-CEO-Debitum-Review-CEO-Debitum-Opiniones-CEO-Debitum-Avis-PDG-70x70.png 70w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/300;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-29735 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Debitum-Erfahrungen-CEO-Debitum-Review-CEO-Debitum-Opiniones-CEO-Debitum-Avis-PDG.png\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Debitum-Erfahrungen-CEO-Debitum-Review-CEO-Debitum-Opiniones-CEO-Debitum-Avis-PDG.png 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Debitum-Erfahrungen-CEO-Debitum-Review-CEO-Debitum-Opiniones-CEO-Debitum-Avis-PDG-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Debitum-Erfahrungen-CEO-Debitum-Review-CEO-Debitum-Opiniones-CEO-Debitum-Avis-PDG-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/10\/Debitum-Erfahrungen-CEO-Debitum-Review-CEO-Debitum-Opiniones-CEO-Debitum-Avis-PDG-70x70.png 70w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/noscript><\/a>Operationally, <strong><a href=\"https:\/\/debitum.investments\/blog\/debitum-continues-strategic-growth-with-strong-shareholder-trust\/\" target=\"_blank\" rel=\"noopener\">since October 2025<\/a><\/strong>, Debitum has been led by the Latvian Anatoly Putna. He succeeds Debitum shareholder Eriks Rengitis, under whose leadership the platform was able to increase its managed portfolio from EUR 8 million to EUR 47 million.<\/p>\r\n<p>After studying economics at the Stockholm School of Economics in Riga, Anatoly initially worked as an investment specialist in the banking and finance sector. Following nearly three years at Crowdestor, he joined Debitum in May 2023, where he initially served as Chief Operating Officer (COO).<\/p>\r\n<p>More information about the Debitum Investments team can be found on <a href=\"https:\/\/debitum.investments\/en\/about\" target=\"_blank\" rel=\"noopener\"><strong>this page<\/strong><\/a>.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Business_Model_and_Finances\"><\/span>Business Model and Finances<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Throughout the process of due diligence, investors should also have a look at the business model of a P2P platform as well as the overall financial situation. How does the company earn money? Does the platform operate profitably? And how well is the company positioned financially? In the following paragraphs of this Debitum review, you can follow-up on those questions.<\/p>\r\n<h3>Monetization<\/h3>\r\n<p>The P2P marketplace is primarily financed from commission income. These fees are charged to lenders for placing assets on the Debitum platform. As a result, Debitum was able to generate a revenue of EUR 2.4 million in the 2025 financial year. An additional EUR 20,000 was generated from other operating income.<\/p>\r\n<h3><strong>Profitability<\/strong><\/h3>\r\n<p>While revenue increased by 85% to EUR 2.4 million, operating expenses for marketing and salaries rose only slightly, by approximately EUR 436,000. As a result, Debitum was able to generate a profit of EUR 507,000 in 2025. The Latvian P2P marketplace has thus been profitable for the second consecutive year.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Debitum-Erfahrungen-Profitabilitat-Debitum-Review-Profitability-Debitum-Opiniones-Rentabilidad-Debitum-Avis-2026.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-32806 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Debitum-Erfahrungen-Profitabilitat-Debitum-Review-Profitability-Debitum-Opiniones-Rentabilidad-Debitum-Avis-2026.png\" alt=\"\" width=\"1000\" height=\"426\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Debitum-Erfahrungen-Profitabilitat-Debitum-Review-Profitability-Debitum-Opiniones-Rentabilidad-Debitum-Avis-2026.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Debitum-Erfahrungen-Profitabilitat-Debitum-Review-Profitability-Debitum-Opiniones-Rentabilidad-Debitum-Avis-2026-300x128.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Debitum-Erfahrungen-Profitabilitat-Debitum-Review-Profitability-Debitum-Opiniones-Rentabilidad-Debitum-Avis-2026-768x327.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/426;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-32806\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Debitum-Erfahrungen-Profitabilitat-Debitum-Review-Profitability-Debitum-Opiniones-Rentabilidad-Debitum-Avis-2026.png\" alt=\"\" width=\"1000\" height=\"426\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Debitum-Erfahrungen-Profitabilitat-Debitum-Review-Profitability-Debitum-Opiniones-Rentabilidad-Debitum-Avis-2026.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Debitum-Erfahrungen-Profitabilitat-Debitum-Review-Profitability-Debitum-Opiniones-Rentabilidad-Debitum-Avis-2026-300x128.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Debitum-Erfahrungen-Profitabilitat-Debitum-Review-Profitability-Debitum-Opiniones-Rentabilidad-Debitum-Avis-2026-768x327.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>The <a href=\"https:\/\/s3.us-east-1.amazonaws.com\/debitum.public-docs\/2025+Annual+Report.pdf\" target=\"_blank\" rel=\"noopener\"><strong>2025 financial report<\/strong><\/a> was prepared by the Latvian BDO Assurance and audited in accordance with IFRS standards. The figures therefore carry a certain level of credibility.<\/p>\r\n<h3>Balance Sheet<\/h3>\r\n<p>The balance sheet of SIA DN Operator has improved compared to the previous year.<\/p>\r\n<p>The return on assets stands stands at a strong level of 10.2%, as does the equity ratio at 70.3%. In addition, the debt ratio (0.42) has been declining for the third consecutive year. The balance sheet is rounded out by a liquidity ratio of 1.62. Accordingly, there appears to be no issue regarding the P2P platform\u2019s ability to meet its payment obligations.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Debitum-Erfahrungen-Bilanz-Debitum-Review-Balance-Sheet-Debitum-Opiniones-Balance-Debitum-Avis-Bilan-2026.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-32810 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Debitum-Erfahrungen-Bilanz-Debitum-Review-Balance-Sheet-Debitum-Opiniones-Balance-Debitum-Avis-Bilan-2026.png\" alt=\"\" width=\"1000\" height=\"436\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Debitum-Erfahrungen-Bilanz-Debitum-Review-Balance-Sheet-Debitum-Opiniones-Balance-Debitum-Avis-Bilan-2026.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Debitum-Erfahrungen-Bilanz-Debitum-Review-Balance-Sheet-Debitum-Opiniones-Balance-Debitum-Avis-Bilan-2026-300x131.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Debitum-Erfahrungen-Bilanz-Debitum-Review-Balance-Sheet-Debitum-Opiniones-Balance-Debitum-Avis-Bilan-2026-768x335.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/436;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-32810\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Debitum-Erfahrungen-Bilanz-Debitum-Review-Balance-Sheet-Debitum-Opiniones-Balance-Debitum-Avis-Bilan-2026.png\" alt=\"\" width=\"1000\" height=\"436\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Debitum-Erfahrungen-Bilanz-Debitum-Review-Balance-Sheet-Debitum-Opiniones-Balance-Debitum-Avis-Bilan-2026.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Debitum-Erfahrungen-Bilanz-Debitum-Review-Balance-Sheet-Debitum-Opiniones-Balance-Debitum-Avis-Bilan-2026-300x131.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Debitum-Erfahrungen-Bilanz-Debitum-Review-Balance-Sheet-Debitum-Opiniones-Balance-Debitum-Avis-Bilan-2026-768x335.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>Also positive: the company has recovered from accumulated past losses. At the end of the 2025 financial year, retained earnings amounted to EUR 55,267.<\/p>\r\n<p>Overall, SIA DN Operator shows stable and healthy financial metrics, paving the way for a sustainable future growth of the P2P platform.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Sign_Up_and_Bonus\"><\/span>Sign Up and Bonus<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>In order to invest on Debitum, investors must meet two requirements: A minimum age of 18 years and a bank account in one&#8217;s own name. If these requirements are met, registration on Debitum can be completed in a few steps.<\/p>\r\n<ul>\r\n<li><strong>Register:<\/strong> Enter name, email, date of birth, password, etc.<\/li>\r\n<li><strong>Provide Financial Information:<\/strong> Planned investment amount, state citizenship, country of residence, tax residence, etc.<\/li>\r\n<li><strong>Upload Documents:<\/strong> Copy of identity card, proof of residence<\/li>\r\n<\/ul>\r\n<p>Also legal entities have the opportunity to register on Debitum.<\/p>\r\n<h3><span style=\"color: revert; font-size: 1.5rem; font-weight: revert; font-family: var(--text-font);\">Debitum Bonus<\/span><\/h3>\r\n<p>Investors who register on Debitum via <a href=\"http:\/\/bit.ly\/rethink-p2p-goes-debitum\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>this link<\/strong><\/a> will receive a 1% cashback on all investments made in the first 30 days after registration. Only assets with a term of 90+ days are taken into account.<\/p>\r\n<p>A platform overview with all bonus offers and cashback promotions can be found on the <a href=\"https:\/\/rethink-p2p.de\/en\/bonus\/\" target=\"_blank\" rel=\"noopener\"><strong>bonus page<\/strong><\/a>.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Investing_on_Debitum\"><\/span><strong>Investing on Debitum<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>How does Debitum work and what should investors know and consider when investing on the plaform? In the following sections of my Debitum review you will find all the necessary information that you need.<\/p>\r\n<h3><strong>Loan Offering<\/strong><\/h3>\r\n<p>Debitum has been a regulated P2P platform, controlled by the Latvian financial regulator FCMC since 2021. Since this change happened, investors no longer invest in claim rights, but in asset-backed-securities (&#8220;notes&#8221;).<\/p>\r\n<p>These are financial instruments that are composed of a bundle of different loans. The focus of Debitum is on business loans, which are offered by international lenders.<\/p>\r\n<p><a style=\"font-size: inherit; font-family: var(--text-font);\" href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Debitum-Erfahrungen-Investieren.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-14839 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Debitum-Erfahrungen-Investieren.png\" alt=\"debitum-review-2024-investing\" width=\"1000\" height=\"608\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Debitum-Erfahrungen-Investieren.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Debitum-Erfahrungen-Investieren-300x182.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Debitum-Erfahrungen-Investieren-768x467.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/608;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-14839\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Debitum-Erfahrungen-Investieren.png\" alt=\"debitum-review-2024-investing\" width=\"1000\" height=\"608\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Debitum-Erfahrungen-Investieren.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Debitum-Erfahrungen-Investieren-300x182.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Debitum-Erfahrungen-Investieren-768x467.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>Debitum is very careful when assessing new lenders, which is why there are only a few long-term partners on the marketplace. These include Evergreen Capital (Estonia), Flexidea (Latvia and Poland) and Triple Dragon (UK). Other lenders include Sandbox Funding and Juno Finance (both Latvia).<\/p>\r\n<ul>\r\n<li><strong>Sandbox Funding<\/strong>: Is owned by Debitum shareholders and was primarily founded to test lenders with smaller volumes before they appear independently on the platform. Currently the biggest lender on Debitum. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/debitum-sandbox-funding\/\" target=\"_blank\" rel=\"noopener\"><strong>Sandbox Funding<\/strong><\/a> article.<\/li>\r\n<li><strong>Latvian Forest Development Fund:<\/strong> The Latvian fund, which joined Debitum in February 2025, is involved in the acquisition, management, and resale of Latvian forest land. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/latvian-forest-development-fund\/\" target=\"_blank\" rel=\"noopener\"><strong>Latvian Forest Development Fund<\/strong><\/a> article.<\/li>\r\n<li><strong>Triple Dragon<\/strong>: The London-based lender offers flexible financing and working capital solutions for developers and publishers of mobile apps and video games. Receivables from companies such as Google, Apple and Amazon serve as collateral.<\/li>\r\n<li><strong>Juno Finance<\/strong>: The Latvian lender, which has been on Debitum since April 2024, specialises in providing loans to SMEs in the forestry and agricultural sectors. Offers an interest rate of up to 15% and was previously tested with assets via sandbox funding.<\/li>\r\n<li><strong>Foresto:<\/strong> Also based in the agricultural and forestry sector. A company founded in Latvia in 2021, which specialises in the purchase and merger and acquisition (M&amp;A) of small and medium-sized forestry properties in Latvia. The collateralised notes (buyback after 20 business days) are offered with up to 12.5% and a maximum term of 12 months.<\/li>\r\n<li><strong>Bono House:<\/strong> Subsidiary of the BONO Group (EUR 90M turnover in 2023), which was founded in Latvia in 2022. The lender specialises\u00a0in the development of private house projects and the assembly construction\u00a0in the real estate sector. The loans, which are collateralised with a buyback obligation, are offered with interest rates of up to 12% and terms of 90 to 250 days.<\/li>\r\n<li><strong>Evergreen Capital<\/strong>: The Estonian lender, which has been on Debitum for many years, offers financing solutions for Estonian SMEs.<\/li>\r\n<li><strong>Flexidea:<\/strong> Offers invoice financing solutions for Latvian and Polish SMEs. Long-standing partner of Debitum.<\/li>\r\n<\/ul>\r\n<p>There is a fixed interest rate for the securities. This is amortised over the entire term as the underlying loans are repaid. The range on Debitum is between 8% and 15%. In some cases, it can also be up to 15%.<\/p>\r\n<p>The minimum investment amount is EUR 50.\u00a0<\/p>\r\n<h3>Debitum Notes (Bonds)<\/h3>\r\n<p>In addition to asset-backed securities (ABS), Debitum is offering notes (bonds) as a further investment product since March 2024. The difference to asset-backed securities is that the repurchase obligation no longer falls on the lender, but on the issuer&#8217;s shareholders.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/04\/Debitum-Investments-Erfahrungen-2024-Anleihen-Notes.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-20870 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/04\/Debitum-Investments-Erfahrungen-2024-Anleihen-Notes.png\" alt=\"Debitum-Investments-Review-2024-Notes-Bonds\" width=\"1000\" height=\"217\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/04\/Debitum-Investments-Erfahrungen-2024-Anleihen-Notes.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/04\/Debitum-Investments-Erfahrungen-2024-Anleihen-Notes-300x65.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/04\/Debitum-Investments-Erfahrungen-2024-Anleihen-Notes-768x167.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/217;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-20870\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/04\/Debitum-Investments-Erfahrungen-2024-Anleihen-Notes.png\" alt=\"Debitum-Investments-Review-2024-Notes-Bonds\" width=\"1000\" height=\"217\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/04\/Debitum-Investments-Erfahrungen-2024-Anleihen-Notes.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/04\/Debitum-Investments-Erfahrungen-2024-Anleihen-Notes-300x65.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/04\/Debitum-Investments-Erfahrungen-2024-Anleihen-Notes-768x167.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>In addition, payments are no longer linked to the underlying assets, but to the issuer as a legal entity. The first ten bonds were offered by Sandbox Funding, with a term of 6 to 12 months and an interest rate of between 13% and 13.5%.<\/p>\r\n<p><strong style=\"color: revert; font-size: 1.5rem; font-family: var(--text-font);\">Costs and Fees<\/strong><\/p>\r\n<p>There are no fees or hidden costs for private investors on Debitum. Neither for deposits or withdrawals, nor for the functionalities when investing on the platform.<\/p>\r\n<h3><strong>Expected Returns<\/strong><\/h3>\r\n<p>On Debitum, the expected return largely depends on the selection and performance of the respective loan originators. For example, Evergreen Capital often offers interest rates of only around 8%, while the Latvian Forest Development Fund can go up to 16.5%.<\/p>\r\n<p>In addition, various bonus campaigns must be taken into account, which can further have a positive impact on return expectations.<\/p>\r\n<p>Since my Debitum comeback in July 2024, I have been able to achieve a total return of 15.46%. Considering the risk profile of the platform, Debitum therefore offers one of the most competitive returns in the P2P lending space.<\/p>\r\n<h3><strong>Auto Invest<\/strong><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Debitum-Auto-Invest-Erfahrungen.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-18773 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Debitum-Auto-Invest-Erfahrungen.png\" alt=\"Debitum-Review-Auto-Invest\" width=\"400\" height=\"405\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Debitum-Auto-Invest-Erfahrungen.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Debitum-Auto-Invest-Erfahrungen-296x300.png 296w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Debitum-Auto-Invest-Erfahrungen-70x70.png 70w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/405;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-18773 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Debitum-Auto-Invest-Erfahrungen.png\" alt=\"Debitum-Review-Auto-Invest\" width=\"400\" height=\"405\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Debitum-Auto-Invest-Erfahrungen.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Debitum-Auto-Invest-Erfahrungen-296x300.png 296w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/12\/Debitum-Auto-Invest-Erfahrungen-70x70.png 70w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a><\/p>\r\n<p>In December 2023, Debitum has launched the long overdue Auto Invest feature, which is one of the common functionalities of a modern P2P platform.<\/p>\r\n<p>Investors have the option of having their investments selected automatically based on previously set criteria. These criteria include the maximum portfolio size, the interest rate, the loan term or the selection of individual lenders.<\/p>\r\n<p>The &#8220;Auto Withdrawal&#8221; setting is particularly interesting. Here, the monthly interest income is automatically transferred to the investor&#8217;s account. However, there is a restriction that only investors with an outstanding portfolio of EUR 10,000+ can use the Auto Withdrawal function.<\/p>\r\n<h3><strong>Buyback Guarantee<\/strong><\/h3>\r\n<p>All assets offered on Debitum have a buyback guarantee issued by the lenders. This means that if the repayment of a particular loan is delay for an extended period of time (usually 90 days), the lender is obliged to buy it back and cover the remaining principal, as well as the outstanding interest.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Debitum-Erfahrungen-Ruckkaufgarantie.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18265 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Debitum-Erfahrungen-Ruckkaufgarantie.png\" alt=\"Debitum-Review-Buyback-Guarantee\" width=\"1000\" height=\"225\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Debitum-Erfahrungen-Ruckkaufgarantie.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Debitum-Erfahrungen-Ruckkaufgarantie-300x68.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Debitum-Erfahrungen-Ruckkaufgarantie-768x173.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/225;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18265\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Debitum-Erfahrungen-Ruckkaufgarantie.png\" alt=\"Debitum-Review-Buyback-Guarantee\" width=\"1000\" height=\"225\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Debitum-Erfahrungen-Ruckkaufgarantie.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Debitum-Erfahrungen-Ruckkaufgarantie-300x68.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Debitum-Erfahrungen-Ruckkaufgarantie-768x173.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>In general, this buyback mechanism has always worked well. There is an exception with the Ukrainian lender Chain Finance though, where the repayment could not be met due to the war in Ukraine. Here, the platform invokes a force majeure.<\/p>\r\n<h3><span style=\"color: revert; font-size: 1.5rem; font-weight: revert; font-family: var(--text-font);\">Debitum Forum<\/span><\/h3>\r\n<p>The P2P lending industry is a fast-moving environment. Hence, make sure to stay on top of all relevant information by subscribing to my channels on <a href=\"https:\/\/bit.ly\/rethinkp2p-en-telegram\" target=\"_blank\" rel=\"noopener\"><strong>Telegram<\/strong><\/a> or <a href=\"https:\/\/bit.ly\/rethinkp2p-en-whatsapp\" target=\"_blank\" rel=\"noopener\"><strong>WhatsApp<\/strong><\/a>. This way, you will always receive the latest information from the P2P industry, including platform news regarding Debitum.\u00a0<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Debitum_Taxes\"><\/span><strong>Debitum Taxes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>In principle, interest income generated by loan financing is considered investment income and must be reported as such in the tax declaration. After obtaining the investment brokerage firm license in 2021, Debitum is now legally required to also withhold taxes on interest income that is collected through regulated financial instruments.<\/p>\r\n<p>The applied tax rate is based on the country of tax residency and the tax information that are submitted.<\/p>\r\n<ul>\r\n<li>20% for investors from Latvia<\/li>\r\n<li>20% for investors outside the EU or EEA<\/li>\r\n<li>5% for investors with residency in the EU or EEA (except Latvia)<\/li>\r\n<li>0% for investors from Lithuania (tax certificate required)<\/li>\r\n<li>0% for legal entities<\/li>\r\n<\/ul>\r\n<p>When paying taxes in your county of residence, the withheld taxes can usually be deducted from the overall balance. This means that the effective taxation rate will be the same as it has been before when investing into claim rights. To get access to the relevant data, Debitum offers to download tax reports and income statements from the platform.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Debitum_Risks\"><\/span><strong>Debitum Risks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>When considering a P2P platform, investors should take a very close look at the potential risk factors and evaluate them before making an investment. What should be considered in the specific case of Debitum? What are the underlying risks and how can they be assessed?<\/p>\r\n<h3>Platform Risk<\/h3>\r\n<p>Debitum Investments, operated by SIA DN Operator, has held an investment brokerage license since September 2021, issued by the Latvian central bank. The platform is therefore subject to the requirements of the Markets in Financial Instruments Directive (MiFID II).<\/p>\r\n<p>As a result, investors&#8217; accounts are protected up to EUR 20,000 by the investor compensation system in Latvia in the event of the platform&#8217;s insolvency or misuse of investor funds. However, this does not cover potential defaults by the loan originators.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Plattform-Risiko-Debitum-Review-Platform-Risk-Debitum-Opiniones-Riesgo-Plataforma-Debitum-Avis-Risque-Plateforme.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-29015 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Plattform-Risiko-Debitum-Review-Platform-Risk-Debitum-Opiniones-Riesgo-Plataforma-Debitum-Avis-Risque-Plateforme.jpg\" alt=\"Debitum-Review-Platform-Risk\" width=\"1400\" height=\"524\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Plattform-Risiko-Debitum-Review-Platform-Risk-Debitum-Opiniones-Riesgo-Plataforma-Debitum-Avis-Risque-Plateforme.jpg 1400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Plattform-Risiko-Debitum-Review-Platform-Risk-Debitum-Opiniones-Riesgo-Plataforma-Debitum-Avis-Risque-Plateforme-300x112.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Plattform-Risiko-Debitum-Review-Platform-Risk-Debitum-Opiniones-Riesgo-Plataforma-Debitum-Avis-Risque-Plateforme-1024x383.jpg 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Plattform-Risiko-Debitum-Review-Platform-Risk-Debitum-Opiniones-Riesgo-Plataforma-Debitum-Avis-Risque-Plateforme-768x287.jpg 768w\" data-sizes=\"(max-width: 1400px) 100vw, 1400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1400px; --smush-placeholder-aspect-ratio: 1400\/524;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-29015\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Plattform-Risiko-Debitum-Review-Platform-Risk-Debitum-Opiniones-Riesgo-Plataforma-Debitum-Avis-Risque-Plateforme.jpg\" alt=\"Debitum-Review-Platform-Risk\" width=\"1400\" height=\"524\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Plattform-Risiko-Debitum-Review-Platform-Risk-Debitum-Opiniones-Riesgo-Plataforma-Debitum-Avis-Risque-Plateforme.jpg 1400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Plattform-Risiko-Debitum-Review-Platform-Risk-Debitum-Opiniones-Riesgo-Plataforma-Debitum-Avis-Risque-Plateforme-300x112.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Plattform-Risiko-Debitum-Review-Platform-Risk-Debitum-Opiniones-Riesgo-Plataforma-Debitum-Avis-Risque-Plateforme-1024x383.jpg 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Plattform-Risiko-Debitum-Review-Platform-Risk-Debitum-Opiniones-Riesgo-Plataforma-Debitum-Avis-Risque-Plateforme-768x287.jpg 768w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/noscript><\/a><\/p>\r\n<p>Due to the platform\u2019s regulation, Debitum must also comply with a high level of compliance and transparency standards, which enhances the safety of the P2P lending platform.<\/p>\r\n<p>Among other requirements, the platform must regularly prepare audited annual financial statements, allowing for an assessment of its financial stability.\u00a0<\/p>\r\n<p>In addition, investor funds must be kept separate from Debitum Investments\u2019 own capital. In case of insolvency, these funds are not touchable by the bailiff and cannot be used to cover third party creditor claims.<\/p>\r\n<h4>Deposit Insurance<\/h4>\r\n<p>The investments offered through Debitum are not covered by European deposit guarantee schemes (such as the Deposit Guarantee Directive 2014\/49\/EU). This means that \u2013 unlike traditional bank deposits \u2013 funds invested on Debitum Investments are not insured or guaranteed by any national or European compensation scheme.<\/p>\r\n<p>Accordingly, investors should be aware that the capital invested is subject to the risk of loss, that returns are not guaranteed, and that they may not recover the full amount originally invested.<\/p>\r\n<h4>ICO Scam Accusations<\/h4>\r\n<p>Debitum had to deal with scam accusations in the past. The background is a crowdsale funding (token generation event) from 2017, from which Debitum emerged. The accusation: Many investors felt deceived by Debitum in the promise to give the DEB token a meaningful use. Instead, it was only intended to provide funding for a business model primarily based on a FIAT currency.\u00a0<\/p>\r\n<p><iframe loading=\"lazy\" title=\"How New Debitum Owners Are Dealing With ICO Legacy (DEB Token)\" width=\"810\" height=\"456\" data-src=\"https:\/\/www.youtube.com\/embed\/1TfzTQoB7WY?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" data-load-mode=\"1\"><\/iframe><\/p>\r\n<p>The new Debitum shareholders, who took over the platform in August 2023 and who were not involved at the time, are disputing outstanding claims against the investors concerned.<\/p>\r\n<h3>Lender Risk<\/h3>\r\n<p>On Debitum, the lenders are required to finance between 10% to 30% of their loans with equity (skin in the game). This ensures that the lender has a vested interest in maintaining a good portfolio quality.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Kreditgeber-Risiko-Debitum-Review-Lender-Risk-Debitum-Opiniones-Riesgo-Prestamista-Debitum-Avis-Risque-Preteur.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-29019 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Kreditgeber-Risiko-Debitum-Review-Lender-Risk-Debitum-Opiniones-Riesgo-Prestamista-Debitum-Avis-Risque-Preteur.jpg\" alt=\"Debitum-Review-Lender-Risk\" width=\"1100\" height=\"446\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Kreditgeber-Risiko-Debitum-Review-Lender-Risk-Debitum-Opiniones-Riesgo-Prestamista-Debitum-Avis-Risque-Preteur.jpg 1100w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Kreditgeber-Risiko-Debitum-Review-Lender-Risk-Debitum-Opiniones-Riesgo-Prestamista-Debitum-Avis-Risque-Preteur-300x122.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Kreditgeber-Risiko-Debitum-Review-Lender-Risk-Debitum-Opiniones-Riesgo-Prestamista-Debitum-Avis-Risque-Preteur-1024x415.jpg 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Kreditgeber-Risiko-Debitum-Review-Lender-Risk-Debitum-Opiniones-Riesgo-Prestamista-Debitum-Avis-Risque-Preteur-768x311.jpg 768w\" data-sizes=\"(max-width: 1100px) 100vw, 1100px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1100px; --smush-placeholder-aspect-ratio: 1100\/446;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-29019\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Kreditgeber-Risiko-Debitum-Review-Lender-Risk-Debitum-Opiniones-Riesgo-Prestamista-Debitum-Avis-Risque-Preteur.jpg\" alt=\"Debitum-Review-Lender-Risk\" width=\"1100\" height=\"446\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Kreditgeber-Risiko-Debitum-Review-Lender-Risk-Debitum-Opiniones-Riesgo-Prestamista-Debitum-Avis-Risque-Preteur.jpg 1100w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Kreditgeber-Risiko-Debitum-Review-Lender-Risk-Debitum-Opiniones-Riesgo-Prestamista-Debitum-Avis-Risque-Preteur-300x122.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Kreditgeber-Risiko-Debitum-Review-Lender-Risk-Debitum-Opiniones-Riesgo-Prestamista-Debitum-Avis-Risque-Preteur-1024x415.jpg 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Debitum-Erfahrungen-Kreditgeber-Risiko-Debitum-Review-Lender-Risk-Debitum-Opiniones-Riesgo-Prestamista-Debitum-Avis-Risque-Preteur-768x311.jpg 768w\" sizes=\"(max-width: 1100px) 100vw, 1100px\" \/><\/noscript><\/a><\/p>\r\n<p>In the event of loan defaults, the lender is obligated to repurchase the loan within the specified timeframe (usually 90 days) as part of the buy-back obligation.<\/p>\r\n<p>The ongoing fulfillment of the buyback guarantee depends largely on the lender\u2019s risk management and financial situation. To allow for a better assessment, the following table provides an overview of all active lenders currently represented on Debitum. Check out the <a href=\"https:\/\/rethink-p2p.de\/en\/lender\/\" target=\"_blank\" rel=\"noopener\"><strong>lender overview and comparison page<\/strong><\/a> for additional information regarding applied KPIs and their interpretation.<\/p>\r\n<figure class=\"wp-block-table is-style-regular has-small-font-size\">\r\n<table>\r\n<thead>\r\n<tr>\r\n<th><strong>Loan Originator<\/strong><\/th>\r\n<th><strong>Year<\/strong><\/th>\r\n<th><strong>Audited<\/strong><\/th>\r\n<th><strong>Profit<\/strong><\/th>\r\n<th><strong>ROA<\/strong><\/th>\r\n<th><strong>Equity Ratio<\/strong><\/th>\r\n<th><strong>Debt<\/strong><\/th>\r\n<th><strong>Liquidity<\/strong><\/th>\r\n<th><strong>Impairments<\/strong><\/th>\r\n<th><strong>Score<\/strong><\/th>\r\n<\/tr>\r\n<\/thead>\r\n<tbody>\r\n<tr>\r\n<td>Evergreen<\/td>\r\n<td><strong><a href=\"https:\/\/s3.us-east-1.amazonaws.com\/debitum.public-docs\/Evergreen.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\r\n<td class=\"kritisch\">Unaudited<\/td>\r\n<td class=\"mittel\">EUR 279K<\/td>\r\n<td class=\"stark\">9,2%<\/td>\r\n<td class=\"stabil\">24,7%<\/td>\r\n<td class=\"stark\">0,75<\/td>\r\n<td class=\"stark\">2,15<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"mittel\">58<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Juno<\/td>\r\n<td><strong><a href=\"https:\/\/s3.us-east-1.amazonaws.com\/debitum.public-docs\/Juno+AS.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\r\n<td class=\"kritisch\">Unaudited<\/td>\r\n<td class=\"mittel\">EUR 158K<\/td>\r\n<td class=\"mittel\">1,4%<\/td>\r\n<td class=\"risiko\">7,6%<\/td>\r\n<td class=\"stark\">0,92<\/td>\r\n<td class=\"risiko\">0,99<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"kritisch\">38<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><a href=\"https:\/\/rethink-p2p.de\/en\/latvian-forest-development-fund\/\" target=\"_blank\" rel=\"noopener\">LFDF<\/a><\/td>\r\n<td><strong><a href=\"https:\/\/s3.us-east-1.amazonaws.com\/debitum.public-docs\/ENG%20Annual%20Report%202024%20LMAF.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\r\n<td class=\"risiko\">S. Vilc\u0101nes Audits<\/td>\r\n<td class=\"mittel\">EUR 70K<\/td>\r\n<td class=\"mittel\">1%<\/td>\r\n<td class=\"mittel\">15,9%<\/td>\r\n<td class=\"stark\">0,84<\/td>\r\n<td class=\"mittel\">1,19<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"risiko\">48<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><a href=\"https:\/\/rethink-p2p.de\/en\/debitum-sandbox-funding\/\" target=\"_blank\" rel=\"noopener\">Sandbox<\/a><\/td>\r\n<td><a href=\"https:\/\/s3.us-east-1.amazonaws.com\/debitum.public-docs\/Sandbox+Funding.pdf\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\r\n<td class=\"risiko\">Latimira un Partneri<\/td>\r\n<td class=\"mittel\">EUR 21K<\/td>\r\n<td class=\"risiko\">0,5%<\/td>\r\n<td class=\"risiko\">9,3%<\/td>\r\n<td class=\"stark\">0,91<\/td>\r\n<td class=\"mittel\">1,28<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"risiko\">43<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Terra Baltic<\/td>\r\n<td><a href=\"https:\/\/balticterra.eu\/wp-content\/uploads\/2025\/11\/financial-statement-31.10.-BTC-ENG.pdf\" target=\"_blank\" rel=\"noopener\"><strong>2025<\/strong><\/a><\/td>\r\n<td class=\"risiko\">S. Vilc\u0101nes Audits<\/td>\r\n<td class=\"mittel\">EUR 265K<\/td>\r\n<td class=\"stark\">91,9%<\/td>\r\n<td class=\"stark\">98,9%<\/td>\r\n<td class=\"stark\">0,01<\/td>\r\n<td class=\"stark\">84,02<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"mittel\">65<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Triple Dragon<\/td>\r\n<td><strong><a href=\"https:\/\/s3.us-east-1.amazonaws.com\/debitum.public-docs\/Triple+Dragon.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\r\n<td class=\"kritisch\">Unaudited<\/td>\r\n<td class=\"mittel\">EUR 0<\/td>\r\n<td>\u00a0<\/td>\r\n<td>\u00a0<\/td>\r\n<td>\u00a0<\/td>\r\n<td class=\"stark\">3,3<\/td>\r\n<td class=\"\">\u00a0<\/td>\r\n<td class=\"kritisch\">24<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n<p>So far, all lenders currently active on Debitum have met their repayment obligations.<\/p>\r\n<h4>Chain Finance<\/h4>\r\n<p>In the context of the outbreak of war in Ukraine, there was to date the only lender default on the Debitum platform. This involved the Ukrainian lender Chain Finance, which at the time of the default had approximately EUR 1.9 million in outstanding assets on Debitum. Repayment of the outstanding claims has been frozen indefinitely, citing force majeure.<\/p>\r\n<p>In July 2023, the platform announced that a restructuring of the outstanding claims had taken place, in which the Debitum subsidiary &#8220;DN Funding Alpha&#8221; took over the obligations of Chain Finance towards Debitum investors. As part of this restructuring, Debitum has held out the prospect of full repayment of the loans affected by the war. Accordingly, the lender could repay the outstanding receivables six years after the end of the force majeure.<\/p>\r\n<p><a style=\"font-size: inherit; font-family: var(--text-font);\" href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Debitum-Erfahrungen-Krieg-Ukraine.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19165 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Debitum-Erfahrungen-Krieg-Ukraine.png\" alt=\"Debitum-Review-War-Ukraine\" width=\"800\" height=\"289\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Debitum-Erfahrungen-Krieg-Ukraine.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Debitum-Erfahrungen-Krieg-Ukraine-300x108.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Debitum-Erfahrungen-Krieg-Ukraine-768x277.png 768w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/289;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19165\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Debitum-Erfahrungen-Krieg-Ukraine.png\" alt=\"Debitum-Review-War-Ukraine\" width=\"800\" height=\"289\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Debitum-Erfahrungen-Krieg-Ukraine.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Debitum-Erfahrungen-Krieg-Ukraine-300x108.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Debitum-Erfahrungen-Krieg-Ukraine-768x277.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/noscript><\/a><\/p>\r\n<p>As a result, investor funds &#8211; which in theory could have been paid out immediately after the end of the war &#8211; would remain tied up for another four years. The fact that the former Debitum shareholders took this decision independently and without consulting with the affected investors, suggests a lack of investor interest by the platform.<\/p>\r\n<p><iframe loading=\"lazy\" title=\"40% Losses? How New Debitum Owners Want To Recover Defaults In Ukraine!\" width=\"810\" height=\"456\" data-src=\"https:\/\/www.youtube.com\/embed\/D6wJ5nblkOw?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" data-load-mode=\"1\"><\/iframe><\/p>\r\n<p>The new Debitum shareholders favor a different approach by working toward an early settlement of the outstanding obligations. To achieve this, a buyer is to be found who will purchase the claims at a discount. This could result in a realized loss on the platform for the first time.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Advantages_and_Disadvantages\"><\/span>Advantages and Disadvantages<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>In this section, I have listed the biggest advantages and disadvantages of Debitum.<\/p>\r\n<h3><strong>Advantages<\/strong><\/h3>\r\n<ul>\r\n<li><strong>Regulation:<\/strong> The platform has held an Investment Brokerage Firm license since 2021.<\/li>\r\n<li><strong>Track Record:<\/strong> Debitum has been active in the P2P lending space since 2018.<\/li>\r\n<li><strong>Diversification:<\/strong> Diversification opportunities beyond traditional consumer loans.<\/li>\r\n<li><strong>Expected Returns:<\/strong> Interest rates of up to 16%, in addition to bonus campaigns.<\/li>\r\n<li><strong>Auto Invest:<\/strong> Automated option to invest in loans.<\/li>\r\n<li><strong>Growth:<\/strong> Debitum is among the fastest-growing P2P platforms.<\/li>\r\n<\/ul>\r\n<h3><strong>Disadvantages<\/strong><\/h3>\r\n<ul>\r\n<li><strong>Ukraine:<\/strong> Debitum has independently extended the repayment period for Ukrainian loans.<\/li>\r\n<\/ul>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Debitum_Alternatives\"><\/span><strong>Debitum Alternatives<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Which Debitum alternative might be worth considering for investors? When focusing on business loans, one could think of the crowdfunding platform <a href=\"https:\/\/rethink-p2p.de\/crowdestor-erfahrungen\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Crowdestor<\/strong><\/a>. Given a number of red flags, this platform might better be avoided. With regards to the marketplace model, alternatives such as <a href=\"https:\/\/rethink-p2p.de\/en\/mintos-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Mintos<\/strong><\/a> (also regulated in Latvia) or <a href=\"https:\/\/rethink-p2p.de\/en\/income-marketplace-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Income Marketplace<\/strong><\/a> would come to mind. What exactly is there profile though?<\/p>\r\n<h3>Mintos<\/h3>\r\n<p>With EUR 600+ million in investor assets under management and more than 500,000 registered users, Mintos is the largest P2P lending platform in Europe. In addition to a wide range of loans, the Latvian P2P marketplace also offers other asset classes. These include ETFs, bonds or real estate. Additional information can be found in my <a href=\"https:\/\/rethink-p2p.de\/en\/mintos-review\/\"><strong>Mintos review<\/strong><\/a>.<\/p>\r\n<h3>Income Marketplace<\/h3>\r\n<p>Income Marketplace is an unregulated P2P marketplace based in Estonia. The platform, which had its operational start in January 2021, markets itself with a range of innovative security features that are designed to provide investors with significantly better protection against problematic lenders. So far, investors have not suffered any losses on Income Marketplace yet. In addition, many of the lenders represented on Income offer an attractive combination of high interest rates and high liquidity. Further information on the Esketit alternative can be found in my <a href=\"https:\/\/rethink-p2p.de\/en\/income-marketplace-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Income Marketplace review<\/strong><\/a>.<\/p>\r\n<p>You can find other Debitum alternatives on the <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-comparison\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>P2P Platform Comparison<\/strong><\/a> page.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Community_Feedback\"><\/span>Community Feedback<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Over the years, Debitum has established itself as one of the most popular alternatives in the P2P lending space. In the annual community voting, Debitum has consistently improved its ranking over the past three years. In 2025, it even secured second place among 30 participating P2P platforms.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Debitum-Erfahrungen-Community-Voting-Debitum-Review-Community-Debitum-Opiniones-Debitum-Avis.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-27318 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Debitum-Erfahrungen-Community-Voting-Debitum-Review-Community-Debitum-Opiniones-Debitum-Avis.png\" alt=\"\" width=\"2000\" height=\"1070\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Debitum-Erfahrungen-Community-Voting-Debitum-Review-Community-Debitum-Opiniones-Debitum-Avis.png 2000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Debitum-Erfahrungen-Community-Voting-Debitum-Review-Community-Debitum-Opiniones-Debitum-Avis-300x161.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Debitum-Erfahrungen-Community-Voting-Debitum-Review-Community-Debitum-Opiniones-Debitum-Avis-1024x548.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Debitum-Erfahrungen-Community-Voting-Debitum-Review-Community-Debitum-Opiniones-Debitum-Avis-768x411.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Debitum-Erfahrungen-Community-Voting-Debitum-Review-Community-Debitum-Opiniones-Debitum-Avis-1536x822.png 1536w\" data-sizes=\"(max-width: 2000px) 100vw, 2000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 2000px; --smush-placeholder-aspect-ratio: 2000\/1070;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-27318\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Debitum-Erfahrungen-Community-Voting-Debitum-Review-Community-Debitum-Opiniones-Debitum-Avis.png\" alt=\"\" width=\"2000\" height=\"1070\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Debitum-Erfahrungen-Community-Voting-Debitum-Review-Community-Debitum-Opiniones-Debitum-Avis.png 2000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Debitum-Erfahrungen-Community-Voting-Debitum-Review-Community-Debitum-Opiniones-Debitum-Avis-300x161.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Debitum-Erfahrungen-Community-Voting-Debitum-Review-Community-Debitum-Opiniones-Debitum-Avis-1024x548.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Debitum-Erfahrungen-Community-Voting-Debitum-Review-Community-Debitum-Opiniones-Debitum-Avis-768x411.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Debitum-Erfahrungen-Community-Voting-Debitum-Review-Community-Debitum-Opiniones-Debitum-Avis-1536x822.png 1536w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/><\/noscript><\/a><\/p>\r\n<p>Other P2P platforms in the top 5 included <a href=\"https:\/\/rethink-p2p.de\/en\/viainvest-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Viainvest<\/strong><\/a>, <a href=\"https:\/\/rethink-p2p.de\/en\/mintos-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Mintos<\/strong><\/a>, <a href=\"http:\/\/bit.ly\/rethink-p2p-goes-swaper\" target=\"_blank\" rel=\"noopener\"><strong>Swaper<\/strong><\/a>, and <a href=\"https:\/\/rethink-p2p.de\/en\/income-marketplace-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Income Marketplace<\/strong><\/a>.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Summary_Debitum_Review\"><\/span><strong>Summary Debitum Review<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Debitum-Erfahrungen-P2P-Kredite-Reise-2024.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-21779 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Debitum-Erfahrungen-P2P-Kredite-Reise-2024.jpg\" alt=\"Debitum-Review-P2P-Trip-2024\" width=\"500\" height=\"378\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Debitum-Erfahrungen-P2P-Kredite-Reise-2024.jpg 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Debitum-Erfahrungen-P2P-Kredite-Reise-2024-300x227.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Debitum-Erfahrungen-P2P-Kredite-Reise-2024-768x581.jpg 768w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/378;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-21779\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Debitum-Erfahrungen-P2P-Kredite-Reise-2024.jpg\" alt=\"Debitum-Review-P2P-Trip-2024\" width=\"500\" height=\"378\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Debitum-Erfahrungen-P2P-Kredite-Reise-2024.jpg 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Debitum-Erfahrungen-P2P-Kredite-Reise-2024-300x227.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Debitum-Erfahrungen-P2P-Kredite-Reise-2024-768x581.jpg 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a>What is the final verdict of my Debitum review and my personal opinion?\u00a0<\/p>\r\n<p>Debitum is one of the most exciting options in the P2P lending environment in 2024. The platform&#8217;s appeal derives from a mix of regulation, competitive interest rates and high liquidity.<\/p>\r\n<p>This is in particular due to the change of ownership in August 2023, which has made Debitum significantly more agile and innovative.<\/p>\r\n<p>In <a href=\"https:\/\/youtu.be\/8wvrNZaq3Kg\" target=\"_blank\" rel=\"noopener\"><strong>discussions with CEO and shareholder Eriks Rengitis<\/strong><\/a>, I was able to get a better idea about the expertise of the new owners. Due to his corporate finance background, Eriks may seem a little &#8220;dry&#8221;, but his experience and network from the M&amp;A sector, coupled with his sharp mind, are useful advantages for the further development of the platform.<\/p>\r\n<p>I therefore believe that Debitum is currently in good hands and has great potential to continue its current growth trajectory. As a consequence, I have decided to personally invest in Debitum again.<\/p>\r\n<p>Debitum could be an attractive alternative for investors who prefer to invest their money in regulated P2P platforms and who want to diversify their loan portfolio aside from traditional consumer loans.<\/p>\r\n<div class=\"su-button-center\"><a href=\"http:\/\/bit.ly\/rethink-p2p-goes-debitum\" class=\"su-button su-button-style-default\" style=\"color:#ffffff;background-color:#0aad27;border-color:#088b20;border-radius:8px\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color:#ffffff;padding:7px 22px;font-size:17px;line-height:26px;border-color:#54c668;border-radius:8px;text-shadow:0px 0px 0px #000000\"><i class=\"sui sui-check-circle\" style=\"font-size:17px;color:#FFFFFF\"><\/i> <strong>Sign Up on Debitum (1% Cashback | 30 Days)<\/strong><\/span><\/a><\/div>\r\n<hr \/>\r\n<div class=\"su-tabs su-tabs-style-default su-tabs-mobile-stack\" data-active=\"1\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-tabs-nav\"><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Affiliate Links \/ Conflict of Interest<\/strong><\/span><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Disclaimer<\/strong><\/span><\/div><div class=\"su-tabs-panes\"><div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Affiliate Links \/ Conflict of Interest&lt;\/strong&gt;\">This article contains affiliate links. If you register and\/or invest through one of these links, the operator receives a commission. The compensation has no influence on the opinion or the evaluation of the platform. Potential conflicts of interest can be looked up on the \u201c<a href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\"><strong>P2P Portfolio<\/strong><\/a>\u201d page.<\/div>\n<div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Disclaimer&lt;\/strong&gt;\">Investments in P2P loans involve risks and may result in the complete loss of the invested capital. Past performance is not a reliable indicator of future developments. The following content is provided for informational purposes only and does not constitute investment advice. Despite careful research, no guarantee is given for the accuracy, completeness, or timeliness of the information provided. No liability is accepted for any financial losses or investment decisions made based on the information presented here. For more details, see the full <a href=\"https:\/\/rethink-p2p.de\/en\/disclaimer\/\" target=\"_blank\" rel=\"noopener\"><strong>disclaimer<\/strong><\/a>.<\/div><\/div><\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"FAQ_Debitum_Review\"><\/span>FAQ Debitum Review<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1600165259868\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 <strong>What is Debitum and how does the platform work?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">Debitum (formerly Debitum Network) is a Latvia-based P2P lending platform, launched in September 2018, where investors can invest in SME business loans and earn returns of up to 16%. Since 2021, Debitum has been a regulated platform supervised by the Latvian Financial and Capital Market Commission (FCMC). Following this transition, investors no longer invest in assignment agreements (claim rights) but in loan-backed securities (\u201cAsset-Backed Securities\u201d). These are financial instruments composed of a bundle of different loans.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1615568587845\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Who can invest on Debitum and what are the requirements?<\/strong>\r\n<p class=\"schema-faq-answer\">Both natural and legal persons can register on Debitum. To register as a natural person, investors must meet two requirements: a minimum age of 18 years and a bank account in their own name.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1600165374826\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What returns can investors expect on Debitum?<\/strong>\r\n<p class=\"schema-faq-answer\">The interest rates on Debitum vary depending on the loan originator, ranging from 8% to 16%. Accordingly, the returns that investors can achieve may differ significantly. Since the change of ownership in summer 2023, interest rates on the platform have increased noticeably. My personal overall return has been around 14% since then.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1600165412539\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 How safe is an investment on Debitum?<\/strong>\r\n<p class=\"schema-faq-answer\">The platform is operated by SIA DN Operator, which has been supervised by the Latvian financial regulator since 2021 and is regulated under MiFID II. This protects investor accounts up to \u20ac20,000 through the investor compensation scheme against misappropriation or insolvency of the platform itself. However, default risks at the loan originator level are not covered by this protection.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1773741894817\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Is there a buyback guarantee on Debitum?<\/strong>\r\n<p class=\"schema-faq-answer\">All assets offered on Debitum come with a buyback guarantee issued by the loan originators. This means that loans with a repayment delay (usually after 90 days) must be repurchased by the issuer. Both the remaining principal and any outstanding interest are covered under this guarantee.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":23880,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-centered.php","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Debitum Review 2026: Top 5 P2P Platform! (Here&#039;s Why!)<\/title>\n<meta name=\"description\" content=\"Debitum Review 2026: Top 5 P2P Platform! (Here&#039;s Why!) All Risks uncovered in my Deep Dive Debitum Review \u271a 1% Sign Up Cashback!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rethink-p2p.de\/en\/debitum-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Debitum Review 2026: Top 5 P2P Platform! (Here&#039;s Why!)\" \/>\n<meta property=\"og:description\" content=\"Debitum Review 2026: Top 5 P2P Platform! (Here&#039;s Why!) All Risks uncovered in my Deep Dive Debitum Review \u271a 1% Sign Up Cashback!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/rethink-p2p.de\/en\/debitum-review\/\" \/>\n<meta property=\"og:site_name\" content=\"re:think P2P\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/fb.me\/rethinkp2p\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-10T10:41:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Debitum-Review-P2P-Lending.png\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"23 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Debitum Review 2026: Top 5 P2P Platform! (Here's Why!)","description":"Debitum Review 2026: Top 5 P2P Platform! (Here's Why!) All Risks uncovered in my Deep Dive Debitum Review \u271a 1% Sign Up Cashback!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/rethink-p2p.de\/en\/debitum-review\/","og_locale":"en_US","og_type":"article","og_title":"Debitum Review 2026: Top 5 P2P Platform! (Here's Why!)","og_description":"Debitum Review 2026: Top 5 P2P Platform! (Here's Why!) All Risks uncovered in my Deep Dive Debitum Review \u271a 1% Sign Up Cashback!","og_url":"https:\/\/rethink-p2p.de\/en\/debitum-review\/","og_site_name":"re:think P2P","article_publisher":"http:\/\/fb.me\/rethinkp2p","article_modified_time":"2026-04-10T10:41:09+00:00","og_image":[{"width":800,"height":200,"url":"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/10\/Debitum-Review-P2P-Lending.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"23 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":["WebPage","FAQPage"],"@id":"https:\/\/rethink-p2p.de\/en\/debitum-review\/","url":"https:\/\/rethink-p2p.de\/en\/debitum-review\/","name":"Debitum Review 2026: Top 5 P2P Platform! (Here's Why!)","isPartOf":{"@id":"https:\/\/rethink-p2p.de\/en\/#website"},"datePublished":"2026-04-15T04:00:00+00:00","dateModified":"2026-04-10T10:41:09+00:00","description":"Debitum Review 2026: Top 5 P2P Platform! (Here's Why!) All Risks uncovered in my Deep Dive Debitum Review \u271a 1% Sign Up Cashback!","breadcrumb":{"@id":"https:\/\/rethink-p2p.de\/en\/debitum-review\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/rethink-p2p.de\/en\/debitum-review\/#faq-question-1600165259868"},{"@id":"https:\/\/rethink-p2p.de\/en\/debitum-review\/#faq-question-1615568587845"},{"@id":"https:\/\/rethink-p2p.de\/en\/debitum-review\/#faq-question-1600165374826"},{"@id":"https:\/\/rethink-p2p.de\/en\/debitum-review\/#faq-question-1600165412539"},{"@id":"https:\/\/rethink-p2p.de\/en\/debitum-review\/#faq-question-1773741894817"}],"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/rethink-p2p.de\/en\/debitum-review\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/rethink-p2p.de\/en\/debitum-review\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/rethink-p2p.de\/en\/"},{"@type":"ListItem","position":2,"name":"Debitum Review 2026: Top 5 P2P Platform! (Here&#8217;s Why!)"}]},{"@type":"WebSite","@id":"https:\/\/rethink-p2p.de\/en\/#website","url":"https:\/\/rethink-p2p.de\/en\/","name":"re:think P2P","description":"Deep Dive P2P Platform Reviews and Comparisons","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/rethink-p2p.de\/en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/debitum-review\/#faq-question-1600165259868","position":1,"url":"https:\/\/rethink-p2p.de\/en\/debitum-review\/#faq-question-1600165259868","name":"\u2705 What is Debitum and how does the platform work?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Debitum (formerly Debitum Network) is a Latvia-based P2P lending platform, launched in September 2018, where investors can invest in SME business loans and earn returns of up to 16%. Since 2021, Debitum has been a regulated platform supervised by the Latvian Financial and Capital Market Commission (FCMC). Following this transition, investors no longer invest in assignment agreements (claim rights) but in loan-backed securities (\u201cAsset-Backed Securities\u201d). These are financial instruments composed of a bundle of different loans.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/debitum-review\/#faq-question-1615568587845","position":2,"url":"https:\/\/rethink-p2p.de\/en\/debitum-review\/#faq-question-1615568587845","name":"\u2705 Who can invest on Debitum and what are the requirements?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Both natural and legal persons can register on Debitum. To register as a natural person, investors must meet two requirements: a minimum age of 18 years and a bank account in their own name.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/debitum-review\/#faq-question-1600165374826","position":3,"url":"https:\/\/rethink-p2p.de\/en\/debitum-review\/#faq-question-1600165374826","name":"\u2705 What returns can investors expect on Debitum?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The interest rates on Debitum vary depending on the loan originator, ranging from 8% to 16%. Accordingly, the returns that investors can achieve may differ significantly. Since the change of ownership in summer 2023, interest rates on the platform have increased noticeably. My personal overall return has been around 14% since then.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/debitum-review\/#faq-question-1600165412539","position":4,"url":"https:\/\/rethink-p2p.de\/en\/debitum-review\/#faq-question-1600165412539","name":"\u2705 How safe is an investment on Debitum?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The platform is operated by SIA DN Operator, which has been supervised by the Latvian financial regulator since 2021 and is regulated under MiFID II. This protects investor accounts up to \u20ac20,000 through the investor compensation scheme against misappropriation or insolvency of the platform itself. However, default risks at the loan originator level are not covered by this protection.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/debitum-review\/#faq-question-1773741894817","position":5,"url":"https:\/\/rethink-p2p.de\/en\/debitum-review\/#faq-question-1773741894817","name":"\u2705 Is there a buyback guarantee on Debitum?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"All assets offered on Debitum come with a buyback guarantee issued by the loan originators. This means that loans with a repayment delay (usually after 90 days) must be repurchased by the issuer. Both the remaining principal and any outstanding interest are covered under this guarantee.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages\/15891"}],"collection":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/comments?post=15891"}],"version-history":[{"count":120,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages\/15891\/revisions"}],"predecessor-version":[{"id":32817,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages\/15891\/revisions\/32817"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/media\/23880"}],"wp:attachment":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/media?parent=15891"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}