Debitum Investments 2024: Strong Growth, New Horizons, and Proven Resilience
In 2024, Debitum Investments – operated by the licensed investment firm DN Operator – delivered another year of solid performance and strategic development. As one of Latvia’s leading regulated platforms offering access to business-backed investment opportunities, Debitum continued scaling its presence while reinforcing investor trust.
Here are the key highlights from our 2024 report:
Performance Snapshot
€35.74 million → Total investments made in 2024
That’s a +67% increase compared to 2023 (€21.4M), reflecting strong market demand and investor satisfaction. Investors are not just signing up – they’re reinvesting, indicating confidence in the platform’s assets and repayment discipline.
€19.64 million → Total deposits in 2024
This was +71% higher than in 2023 (€11.5M). Importantly, deposits are a leading indicator of future investment growth. More deposits mean more capital flowing into SME-backed securities – supporting Europe’s real economy.
€2.15 million → Total interest income and penalty earnings paid to investors
This includes not just regular interest but also late payment penalties – an additional yield source when delays occur.
€1.97 → Investment-to-repayment ratio
An improvement from 1.65 in 2023 – this means that for every euro repaid, nearly 2 euros were reinvested. It reflects growing platform stickiness and asset quality: investors aren’t just leaving – they’re doubling down.
In 2024 – Zero Investor Losses Since Inception
Debitum’s track record remains spotless:
- No investor has ever lost capital on the platform
- Even under geopolitical stress (e.g. Ukrainian assets), recoveries are ongoing and no investments have been written off
Our buyback discipline remains strong – with only 10.52% of repayments requiring buyback in 2024 (still paid in full, with penalties). In 2023, this rate was 0%, underlining the platform’s cautious risk profile.
Strengthening Financial Foundation
2024 marked a return to profitability:
€1.3 million in revenue → Earned through platform fees. That’s nearly 4x higher than 2023 (€348,174), showing that both volume and operational scale increased significantly.
€103,912 net profit → After a loss of €358,634 in 2023, this profit marks a swing of over €460K, demonstrating successful cost control and revenue scaling in a regulated environment.
€758,000 paid-in capital → Strengthened through shareholder investment. Additionally, Debitum issued €222,000 in share premium, increasing total equity to €527,909. These reinforcements not only improve stability but are also crucial for future license expansions.
Debitum Investments successfully closed the year with a healthy capital surplus and a robust regulatory compliance record under Latvia’s central bank oversight.
Growing Ecosystem & New Partners
2024 saw multiple new loan originators and bond issuers joining the platform – including names like Foresto, Juno Finance, and Bono House. Active partnerships also continued with Evergreen Capital (EE), Triple Dragon (UK), and Sandbox Funding (LV).
Debitum now collaborates with a diverse portfolio of European SME lenders, enabling better sector and regional diversification for investors.
Tech & Product Innovation
- New license upgrade in December 2024 – now allows portfolio management services
- Automation of KYC/AML procedures to meet EU regulatory standards
- Development of fractional bonds and preparation for liquidity-focused assets
People & Expansion
Behind every milestone is a team with deep industry knowledge and shared purpose. By the end of 2024, Debitum had 15 professionals – a mix of internal team members and dedicated external partners – covering areas like compliance, risk, finance, client service, and product development.
In 2024, the team was strengthened with professionals bringing extensive experience in banking, alternative lending, anti-money laundering (AML), and European regulatory frameworks – all critical for operating a compliant and sophisticated investment platform.
Led by a four-member board with clear governance and strategic clarity, Debitum’s structure was strengthened by a capital increase and an expanded management team aligned with European compliance standards and investor protection frameworks.
In short, it’s not just technology and numbers – it’s people with vision and accountability that make Debitum Investments what it is today.
Looking Ahead to 2025
Debitum is well-positioned to:
- Expand its regulated investment offering (following its portfolio management license extension in December 2024)
- Launch new products tied to Nasdaq tradeable securities
- Attract more international investors
- Strengthen engagement with industry associations and regulatory bodies
As always, Debitum will maintain a conservative risk management policy while pushing for innovation and impact in SME financing across Europe.
Debitum Investments is no longer an emerging player. It is a licensed, profitable platform with a stable cost base, growing revenues, and a track record of capital preservation for its investors. In 2024, the platform became profitable for the first time – a milestone made possible by new ownership, strengthened governance, and a more focused business strategy.
With zero defaults, rising reinvestment ratios, and a robust capital position, Debitum Investments enters 2025 ready for its next phase of growth – confident, compliant, and investor-focused.