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NPL Guide 5: Investment Outcomes, Risks, and Getting Started
Investor Academy

NPL Guide 5: Investment Outcomes, Risks, and Getting Started

11 Sep 2026
New Opportunities – R281, R276: Apartments in Girona and Almería
Investor Bulletin

New Opportunities – R281, R276: Apartments in Girona and Almería

09 Sep 2026
New Opportunities – R280, R274: Apartment in Barcelona and House in Toledo 
Investor Bulletin

New Opportunities – R280, R274: Apartment in Barcelona and House in Toledo 

07 Sep 2026
NPL Guide 4: How Institutional Investors Evaluate Real Estate–Backed Debt
Investor Academy

NPL Guide 4: How Institutional Investors Evaluate Real Estate–Backed Debt

04 Sep 2026
Repayment – R226 Detached House with a Garden in Barcelona 
Investor Bulletin

Repayment – R226 Detached House with a Garden in Barcelona 

03 Sep 2026
Before the Flow: How Mortgage NPLs Are Evaluated, Part 1
Investor Academy

Before the Flow: How Mortgage NPLs Are Evaluated, Part 1

02 Sep 2026

Investor Bulletin

140
New Opportunities – R281, R276: Apartments in Girona and Almería
Investment Opportunities

New Opportunities – R281, R276: Apartments in Girona and Almería

09 Sep 2026
New Opportunities – R280, R274: Apartment in Barcelona and House in Toledo 
Investment Opportunities

New Opportunities – R280, R274: Apartment in Barcelona and House in Toledo 

07 Sep 2026
Repayment – R226 Detached House with a Garden in Barcelona 
Repayments

Repayment – R226 Detached House with a Garden in Barcelona 

03 Sep 2026
New Opportunities – R266, R282: Apartments in Madrid and Barcelona
Investment Opportunities

New Opportunities – R266, R282: Apartments in Madrid and Barcelona

02 Sep 2026
Repayment – R013 Apartment at Plaza Pi i Maragall
Repayments

Repayment – R013 Apartment at Plaza Pi i Maragall

01 Sep 2026
Last Chance Cashback for ALL
Promotions

Last Chance Cashback for ALL

01 Sep 2026
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Investor Academy

28
NPL Guide 5: Investment Outcomes, Risks, and Getting Started

NPL Guide 5: Investment Outcomes, Risks, and Getting Started

11 Sep 2026
NPL Guide 4: How Institutional Investors Evaluate Real Estate–Backed Debt

NPL Guide 4: How Institutional Investors Evaluate Real Estate–Backed Debt

04 Sep 2026
Before the Flow: How Mortgage NPLs Are Evaluated, Part 1

Before the Flow: How Mortgage NPLs Are Evaluated, Part 1

02 Sep 2026
NPL Guide 3: How the NPL Market Works — and Why Spain Matters

NPL Guide 3: How the NPL Market Works — and Why Spain Matters

28 Aug 2026
NPL Guide 2: Understanding Non-Performing Loans and Why They Exist

NPL Guide 2: Understanding Non-Performing Loans and Why They Exist

21 Aug 2026
NPL Guide 1: Understanding Debt Investing and Real Estate–Backed Opportunities

NPL Guide 1: Understanding Debt Investing and Real Estate–Backed Opportunities

14 Aug 2026
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Interviews

19
Before the Flow: How Mortgage NPLs Are Evaluated, Part 1
Investor Academy

Before the Flow: How Mortgage NPLs Are Evaluated, Part 1

02 Sep 2026
Record Repayments, Roadmap Progress & What Comes Next

Record Repayments, Roadmap Progress & What Comes Next

29 Jul 2026
Flow Stages Step-by-Step Guide with Tamarindo
Investor Academy

Flow Stages Step-by-Step Guide with Tamarindo

19 Jun 2026
Indemo 101: Welcome to Indemo
Investor Academy

Indemo 101: Welcome to Indemo

15 May 2026
Indemo Q1 2026 Review: Milestones & Roadmap

Indemo Q1 2026 Review: Milestones & Roadmap

30 Apr 2026
Spanish Real Estate Stats 2025

Spanish Real Estate Stats 2025

23 Apr 2026
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Company News

47
Indemo Secondary Market Update

Indemo Secondary Market Update

11 Aug 2026
Indemo Reaches €31 Million Outstanding Portfolio

Indemo Reaches €31 Million Outstanding Portfolio

17 Jul 2026
Midsummer Notice: June 23–24

Midsummer Notice: June 23–24

18 Jun 2026
May Holiday Working Hours

May Holiday Working Hours

30 Apr 2026
Indemo at Invest Stuttgart 2026

Indemo at Invest Stuttgart 2026

27 Apr 2026
Indemo’s Easter Holiday Schedule

Indemo’s Easter Holiday Schedule

01 Apr 2026
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Developer's Diary

13
Indemo Improves Cashback Reporting for Greater Transparency

Indemo Improves Cashback Reporting for Greater Transparency

27 Jul 2026
Indemo Introduces Dynamic Portfolio Revaluation

Indemo Introduces Dynamic Portfolio Revaluation

02 Jul 2026
Indemo Mobile App Is Here: Investing with Indemo, Now in Your Pocket

Indemo Mobile App Is Here: Investing with Indemo, Now in Your Pocket

01 Jun 2026
Introducing the New Indemo Website

Introducing the New Indemo Website

25 May 2026
Indemo Autoinvest 2.0: Tailored to Your Strategy

Indemo Autoinvest 2.0: Tailored to Your Strategy

16 Mar 2026
Feature release: Indemo Introduces Flow 2.0

Feature release: Indemo Introduces Flow 2.0

03 Nov 2025
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Uncategorized

1
NPL Guide 5: Investment Outcomes, Risks, and Getting Started
Investor Academy

NPL Guide 5: Investment Outcomes, Risks, and Getting Started

11 Sep 2026

© 2026 All rights reserved.

Indemo SIA — (registration no. 40203401432, legal address: Skanstes iela 50, Rīga, LV-1013, Latvia) is an investment firm licensed and supervised by Latvijas Banka (Central Bank of Latvia). License number 06.06.08.824/547.

Indemo SIA is a member of the national investor compensation scheme established under EU Directive 97/9/EC. The scheme protects investors by providing compensation if Indemo SIA fails to return financial instruments or cash to investors. The compensation is limited to the outstanding liabilities, up to €20 000.

* Indemo authorized and approved to operate in 29 EU Member States: Germany (Bundesanstalt für Finanzdienstleistungsaufsicht), Spain (Comisión Nacional del Mercado de Valores), Portugal (Comissão do Mercado de Valores Mobiliários), France (L’Autorité des marchés financiers), Lithuania (Lietuvos centrinis bankas), Austria (Austrian Financial Market Authority), Malta (Malta Financial Services Authority (MSFA)), Netherlands (De Nederlandsche Bank (DNB)), Iceland (Central Bank of Iceland Seðlabanki Íslands), Sweden (Finansinspektionen (FI)), Italy (Commissione Nazionale per le Società e la Borsa), Ireland (Banc Ceannais na hÉireann (Central Bank of Ireland)), Luxembourg (Commission de Surveillance du Secteur Financier), Romania (Autoritatea de Supraveghere Financiară (ASF)), Norway (Finanstilsynet), Hungary (Magyar Nemzeti Bank (MNB)), Greece (The Hellenic Capital Market Commission (HCMC)), Slovenia (Agencija za trg vrednostnih papirjev), Slovakia (Národná banka Slovenska), Cyprus (Cyprus Securities and Exchange Commission), Czech Republic (Česká národní banka), Finland (Finanssivalvonta FIN-SVA), Belgium (Autoriteit voor Financiële Diensten en Markten), Estonia (Estonian Financial Supervision and Resolution Authority), Latvia (Latvijas Banka), Liechtenstein (Finanzmarktaufsicht Liechtenstein (FMA)), Denmark (Finanstilsynet), Croatia (Hrvatska agencija za nadzor financijskih usluga).

** 15.1% is expected annual return rate based on the moderate scenario for Discounted Debt Investment products, when 90% of the outstanding mortgage debt is settled within 18 months of the investment date (for more info, please see KID available in the Legal Documents section).

Investing in financial instruments involves risk, and there’s no guarantee that investors will get back invested capital. Moreover, past performance does not guarantee future returns.

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