Eighth Discounted Debt Repayment of 2025!
We’re moving through October with another successful repayment — the eighth one this year!
This milestone also marks the 13th Debt Repayment in Indemo’s history, underscoring the strength and consistency of our real estate-backed recovery model and its ability to meet anticipated performance thresholds.
This time, €130,209 in principal and interest was repaid to our investors from the R099 – Apartment in Barcelona debt. This repayment affected the portfolios of 1,187 investors, representing 4.2% of all active Notes on the platform.
The annual average weighted ROI for this repayment reached an impressive 30% per annum, with individual returns ranging from 27% to 38% per annum — once again delivering outstanding performance for our investor community.
What truly sets this case apart from other repayments is the laser-focused execution of our out-of-court settlement team right after the debt was acquired on the market. Thanks to their swift and strategic approach, it took just four months to reach a settlement with the debtor — delivering a strong and efficient monetary exit.
🔦 Spotlight on the Repaid Debt: R099 – Apartment in Barcelona
At Indemo, every Discounted Debt investment is secured by real residential property in Spain — a tangible asset that reinforces our investors’ confidence in the recovery process.
R099 was no exception.
The asset is a 55m2 large apartment located in Barcelona, one of Spain’s most dynamic and economically active cities. The property is situated in an urban residential area characterized by strong housing demand and stable price performance. The neighborhood is well-developed, offering excellent access to services and transport, and is primarily occupied by local residents. The apartment was assessed to be in good overall condition, with a valuation report assigning high ratings for both liquidity and location due to its attractive position within the city.
This debt was first listed on 8 July 2025 at the Cargo Certificate stage in our recovery flow. After a concise and well-managed out-of-court settlement process, it reached full repayment on 15 October 2025demonstrating the efficiency and reliability of our model.
Recovery (exit) scenario:
This repayment was facilitated through an out-of-court settlement, which is the priority scenario for the servicing company. In this case, the debtor’s outstanding liabilities exceeded the value of the mortgaged real estate. To prevent the completion of the full foreclosure process resulting in the excessive debt, the debtor expressed interest in reaching a settlement and engaged a potential buyer for the property, leading to a mutually beneficial settlement. Following the sale, the debtor was released from the excessive unsecured portion of the debt, but Indemo investors gained their two-digit high earnings.
This resolution highlights one of Indemo’s key recovery strategies — reaching swift, efficient, and negotiated outcomes that minimize legal costs, reduce time to repayment, and protect investor value. Similar settlements have proven highly effective in previous cases, underscoring the flexibility and strength of our product recovery model.
📊 Key Figures:
Repayment Details:
- Repayment Date: 15 October 2025
- Repayment Amount: €130,209.04 (Principal + Interest)
- Annual Average Weighted ROI: 29.67% p.a.
- ROI Range: 26.92% – 37.53% p.a.
Investor Impact:
- Investors Affected: 1,187
- Percentage of all Notes issued Affected: 4.2%
Flow & Exit:
- Flow Stage at Listing: Cargo Certificate
- Flow Stage at Repayment: Cargo Certificate
- Exit Scenario: Out-of-court settlement
With the 13th repayment now completed, we’re taking a moment to highlight the repayments progress so far. Below is a visual summary of all debt repayments on Indemo to date, showcasing key figures, timing and the consistent double-digit returns delivered to our investors.
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Campaign Period: October 1, 2025 – October 31, 2025, 23:59 GMT
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Check out the full details here: Indemo CashbackFest
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What’s Next?
Another debt repaid — another milestone achieved. Our recovery pipeline remains robust, with more opportunities for investors just around the corner.
Not an investor yet?
Join Indemo today and start growing your wealth with real estate-backed Discounted Debt investments.
Stay tuned for more updates and success stories as we move further through 2025!
💡 A Note on Returns
As with all Indemo Discounted Debt investments, actual returns depend on when you entered the investment, which is determined by the issue date of the Note you have invested in. Early-stage entries typically offer lower price-to-debt ratios and longer recovery timelines but higher return potential. Later-stage entries offer quicker exits but usually come at a higher price.
To check your individual ROI from this repayment, head over to the Portfolio section of your Indemo account. For broader insights, check out the Analytics dashboard.
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This content is a marketing communication. It shall not be treated as investment advice, independent research or offer, recommendation or invitation to invest in the investment opportunities referred to herein. The content is not aimed at promoting services or products to persons based in jurisdictions where the distribution of said information would be illegal.
Investing in financial instruments involves risk, and there’s no guarantee that investors will get back invested capital. Moreover, past performance does not guarantee future returns. Indemo SIA shall not be responsible for any direct or indirect loss from using the provided information.