{"id":31046,"date":"2026-01-17T08:00:18","date_gmt":"2026-01-17T07:00:18","guid":{"rendered":"https:\/\/rethink-p2p.de\/?p=31046"},"modified":"2026-01-19T08:05:07","modified_gmt":"2026-01-19T07:05:07","slug":"rapicredit-tiberus-baltic-terra","status":"publish","type":"post","link":"https:\/\/rethink-p2p.de\/en\/rapicredit-tiberus-baltic-terra\/","title":{"rendered":"Financial Results December 2025: Rapicredit, Tiberus, Baltic Terra"},"content":{"rendered":"<p>The financial stability of lending companies is one of the most important factors in achieving the advertised returns over the long term. To get a better understanding, investors can review and compare the latest financial metrics of more than 90+ different fintech companies on the <a href=\"https:\/\/rethink-p2p.de\/en\/lender\/\" target=\"_blank\" rel=\"noopener\"><strong>lender overview and comparison<\/strong><\/a> page.<\/p>\n<p>In December 2025, the annual report of Rapicredit (Lendermarket) was updated. In addition, new evaluations for Tiberus (Afranga) and Baltic Terra (Debitum) have been added.<\/p>\n<p>Below is a brief summary of the key findings, including a personal assessment.<\/p>\n<hr \/>\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\/rapicredit-tiberus-baltic-terra\/#RapiCredit_Light_and_Shadow\" title=\"RapiCredit: Light and Shadow\">RapiCredit: Light and Shadow<\/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\/rapicredit-tiberus-baltic-terra\/#Tiberus_Next_Bulgarian_Lender_on_Afranga\" title=\"Tiberus: Next Bulgarian Lender on Afranga\">Tiberus: Next Bulgarian Lender on Afranga<\/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\/rapicredit-tiberus-baltic-terra\/#Baltic_Terra_No_Meaningful_Conclusions_Yet\" title=\"Baltic Terra: No Meaningful Conclusions Yet\">Baltic Terra: No Meaningful Conclusions Yet<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"RapiCredit_Light_and_Shadow\"><\/span><strong>RapiCredit: Light and Shadow<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Shortly before year-end, the Colombian lender RapiCredit published its financial results for 2024. Here are the key takeaways:<\/p>\n<figure class=\"wp-block-table is-style-regular has-small-font-size\">\n<table>\n<thead>\n<tr>\n<th><strong>Loan Originator<\/strong><\/th>\n<th><strong>Year<\/strong><\/th>\n<th><strong>Audited<\/strong><\/th>\n<th><strong>Profit<\/strong><\/th>\n<th><strong>ROA<\/strong><\/th>\n<th><strong>Equity Ratio<\/strong><\/th>\n<th><strong>Debt<\/strong><\/th>\n<th><strong>Liquidity<\/strong><\/th>\n<th><strong>Impairments<\/strong><\/th>\n<th><strong>Score<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Rapicredit<\/td>\n<td><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/12\/2024-Rapicredit.pdf\" target=\"_blank\" rel=\"noopener\"><strong>2024<\/strong><\/a><\/td>\n<td class=\"mittel\">Nexia Montes y Asociados<\/td>\n<td class=\"stark\">EUR 486K<\/td>\n<td class=\"mittel\">1,6%<\/td>\n<td class=\"mittel\">19,9%<\/td>\n<td class=\"stark\">0,80<\/td>\n<td class=\"stark\">2,09<\/td>\n<td class=\"kritisch\">22,1%<\/td>\n<td class=\"mittel\">65<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><strong>Positive:<\/strong> RapiCredit was profitable once again, generating the equivalent of EUR 486,000. The equity ratio increased from 15% to just under 20%, while both the debt ratio improved slightly to 0.80 (previous year: 0.85) and the liquidity ratio rose to 2.09 (previous year: 1.82).<\/p>\n<p><strong>Negative:<\/strong> Despite returning to profitability, net profit declined by around 63% compared to the previous year. In addition, portfolio quality deteriorated from 16.7% to 22.1%.<\/p>\n<p><strong>Conclusion:<\/strong> Within my rating system, RapiCredit improved from 59 points to 65 points, which corresponds to an average rating. On <a href=\"https:\/\/rethink-p2p.de\/en\/lendermarket-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Lendermarket<\/strong><\/a>, RapiCredit remains the second-highest rated lender.<\/p>\n<div class=\"su-button-center\"><a href=\"https:\/\/bit.ly\/rethink-p2p-goes-lendermarket\" 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>Rapicredit Loans<\/strong><\/span><\/a><\/div>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Tiberus_Next_Bulgarian_Lender_on_Afranga\"><\/span><strong>Tiberus: Next Bulgarian Lender on Afranga<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/rethink-p2p.de\/en\/afranga-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Afranga<\/strong><\/a> stays true to its strategy and has added Tiberus as the fifth loan originator from its Bulgarian home market to the platform.<\/p>\n<figure class=\"wp-block-table is-style-regular has-small-font-size\">\n<table>\n<thead>\n<tr>\n<th><strong>Loan Originator<\/strong><\/th>\n<th><strong>Year<\/strong><\/th>\n<th><strong>Audited<\/strong><\/th>\n<th><strong>Profit<\/strong><\/th>\n<th><strong>ROA<\/strong><\/th>\n<th><strong>Equity Ratio<\/strong><\/th>\n<th><strong>Debt<\/strong><\/th>\n<th><strong>Liquidity<\/strong><\/th>\n<th><strong>Impairments<\/strong><\/th>\n<th><strong>Score<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Tiberus<\/td>\n<td><strong><a href=\"https:\/\/afranga.com\/personal-doc-originator\/1005\/personalDoc_1005_1765369446_1.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td>\n<td class=\"kritisch\">Unaudited<\/td>\n<td class=\"risiko\">BGN (86K)<\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"\"><\/td>\n<td class=\"kritisch\">4<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p>Tiberus is a car leasing company launched in February 2024 and registered as a non-bank financial institution with the Bulgarian National Bank. The company was founded by team members who were also involved with Stik Credit and Lendivo. As of the end of September 2025, the portfolio amounted to approximately EUR 5 million.<\/p>\n<p>The unaudited and incomplete financial figures provided in the management report offer limited informational value, making it impossible to assess the company\u2019s financial stability at this stage.<\/p>\n<div class=\"su-button-center\"><a href=\"https:\/\/bit.ly\/rethink-p2p-goes-afranga\" 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:0px 22px;font-size:17px;line-height:34px;border-color:#54c668;border-radius:8px;text-shadow:0px 0px 0px #000000\"> <strong>Tiberus Loans (0.5% Cashback | 90 Days)<\/strong><\/span><\/a><\/div>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Baltic_Terra_No_Meaningful_Conclusions_Yet\"><\/span><strong>Baltic Terra: No Meaningful Conclusions Yet<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Shortly before the end of the year, <a href=\"https:\/\/rethink-p2p.de\/en\/debitum-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Debitum<\/strong><\/a> added Baltic Terra to its marketplace, a new investment fund specializing in agricultural land, with a focus on Latvian farmland.<\/p>\n<figure class=\"wp-block-table is-style-regular has-small-font-size\">\n<table>\n<thead>\n<tr>\n<th><strong>Loan Originator<\/strong><\/th>\n<th><strong>Year<\/strong><\/th>\n<th><strong>Audited<\/strong><\/th>\n<th><strong>Profit<\/strong><\/th>\n<th><strong>ROA<\/strong><\/th>\n<th><strong>Equity Ratio<\/strong><\/th>\n<th><strong>Debt<\/strong><\/th>\n<th><strong>Liquidity<\/strong><\/th>\n<th><strong>Impairments<\/strong><\/th>\n<th><strong>Score<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Baltic Terra<\/td>\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>\n<td class=\"risiko\">S. Vilc\u0101nes Audits<\/td>\n<td class=\"mittel\">EUR 265K<\/td>\n<td class=\"stark\">91,9%<\/td>\n<td class=\"stark\">98,9%<\/td>\n<td class=\"stark\">0,01<\/td>\n<td class=\"stark\">84,02<\/td>\n<td class=\"\"><\/td>\n<td class=\"mittel\">65<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p>The business model shares many similarities with the Latvian Forest Development Fund (LFDF). According to Debitum, the key difference is that LFDF is more transaction-driven (timber sales and portfolio transactions), while Baltic Terra is more income-oriented and gradual (lease and rent income plus long-term value appreciation).<\/p>\n<p>The financial figures offer very limited insight. First, the financial report of <em>LLC BALTIC TERRA CAPITAL<\/em> only covers the period from June 4, 2025 (registration date) to October 31, 2025. Second, the small balance sheet is heavily inflated by equity, making the numbers unsuitable for drawing real conclusions about financial performance.<\/p>\n<p>However, because the same assessment rules apply to all loan originators, Baltic Terra receives a score of 65 points, corresponding to a medium rating and currently the best score on the Debitum platform. This highlights why the rating system should only be used as guidance and why the final results should be questioned.<\/p>\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>Baltic Terra Loans (1% Cashback | 30 Days)<\/strong><\/span><\/a><\/div>\n<hr \/>\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 are subject to risks and can lead to a total loss of capital. Past performance is not an indicator of future results. All content is for informational purposes only and does not constitute investment advice. No liability is assumed for the accuracy of the following information, nor for any investment decisions that may be derived from it. 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>\n<hr \/>\n<p><em><strong>Note:<\/strong> Some analyses of the latest financial figures have already been shared in advance via <a href=\"https:\/\/bit.ly\/rethinkp2p-en-telegram\" target=\"_blank\" rel=\"noopener\"><strong>Telegram<\/strong><\/a> and <a href=\"https:\/\/bit.ly\/rethinkp2p-en-whatsapp\" target=\"_blank\" rel=\"noopener\"><strong>WhatsApp<\/strong><\/a>. Follow me on those channels to always stay up-to-date with the latest news from the P2P industry.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":31115,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[355],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Financial Results December 2025: Rapicredit, Tiberus, Baltic Terra - re:think P2P<\/title>\n<meta name=\"description\" content=\"Current financial results for Rapicredit, Tiberus, and Baltic Terra \u2014 including evaluation and investment opportunities.\" \/>\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\/rapicredit-tiberus-baltic-terra\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial Results December 2025: Rapicredit, Tiberus, Baltic Terra - 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