We have completed another successful repayment on Indemo, continuing our track record of real estate-backed recoveries.
This marks the 23rd Debt Repayment in Indemo’s debt portfolio, reinforcing the reliability of our Discounted Debt model and the performance it continues to deliver to our investor community.
This time, €32,619 in principal and interest was repaid to investors from J065: House in Camas. This repayment affected the portfolios of 855 investors, representing 0.9% of all active Notes on the platform.
The annual average weighted ROI for this repayment reached 22.36% per annum, with individual annual returns ranging from 21% to 25% per annum, depending on when each investment was made.
Spotlight on the repaid debt: J065 House in Camas, Seville
At Indemo, every Discounted Debt investment is secured by real residential property in Spain. J065 was backed by a house in Camas, Seville providing tangible collateral behind the recovery strategy. The asset is a terraced house of 56 sqm, 2 levels above ground level, built in 1956 in a residential area 2.5 km south of the town.
J065 was first listed on 18 February 2025 at Step 2, Claim Filing, and reached repayment at Step 7, Opposition Hearing. This means the case had already moved through several important legal steps before the final exit route was achieved through settlement.
Key figures
Repayment details
- Repayment date: 30 July 2026
- Repayment amount: €32,619.14 (Principal + Interest)
- Annual average weighted ROI: 22.36% p.a.
- Annual return range: 21.81% to 25.16% p.a.
Investor impact
- Investors affected: 855
- Percentage of all active Notes affected: 0.9%
Flow and exit
- Flow stage at listing: Step 2, Claim Filing
- Flow stage at repayment: Step 7, Opposition Hearing
- Exit scenario: Out-of-court settlement
Recovery scenario
In this case, the servicing company successfully reached an out-of-court settlement with the debtor. By supporting the debtor in arranging refinancing with a new lender, the servicing company enabled them to retain ownership of the property and avoid a lengthy legal process.
The settlement amount was agreed at approximately the market value of the pledged real estate . As the total outstanding debt exceeded the property’s value, the excessive portion of the debt was waived. This relieved the debtor of an unsustainable financial burden that would otherwise have continued to grow during the legal proceedings.
The outcome created a win-win solution: the debtor retained the property and was released from the excessive debt, while Indemo investors benefited from a faster recovery, an earlier exit, and attractive annualized returns.
This case is another strong example of responsibility in action and reflects the socially responsible recovery principles followed by Indemo and its servicing partners. As highlighted in our article on the social responsibility of NPL investing, responsible debt recovery is not only about maximizing financial outcomes. It is also about finding balanced, sustainable solutions that take the debtor’s circumstances into account whenever possible.
A balanced outcome for both sides
J065 is a clear example of how responsible recovery can create value for both investors and debtors.
For investors, the settlement delivered a fast and efficient exit with an annual average weighted ROI of 22.36% p.a., significantly above Indemo’s target return level as well as faster than the target recovery timeline. For the debtor, the agreement provided a sustainable way to resolve the debt, avoid further legal escalation, and keep ownership of the property.
This is exactly why flexibility matters in the recovery process. Not every case needs to reach the final stages of enforcement. When a fair and efficient settlement can be reached, it may become the best outcome for all parties involved.
See how this repayment ranks
You can also see how this repayment compares with previous Indemo repayments in the Insights section of the Indemo website.
The Insights page brings together key platform figures and repayment data, helping investors follow Indemo’s repayment history, compare completed recoveries, and better understand how individual cases contribute to the overall track record.
A Note on Returns
As with all Indemo Discounted Debt investments, actual returns depend on when you entered the investment, determined by the issue date of your Note.
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.