Debitum
Debitum is a Latvian P2P investment platform, launched in 2018 and operated by SIA "DN Operator" from Riga. Investors buy asset-backed securities and notes rather than direct loan claims. Latvijas Banka licensed the operator as an investment brokerage firm under MiFID II on 21 September 2021 under licence 06.06.08.728/537 and added portfolio management on 4 December 2024. The licence brings investor compensation of up to 20,000 EUR for irreversibly lost financial instruments. Offers come from business loan originators in Latvia, Estonia and the United Kingdom and from note issuers investing in Latvian farmland and forest land. The securities are issued by Debitum's own SIA DN Funding vehicles at the operator's Riga address, and one of the active loan originators, SIA Sandbox Funding, has the same beneficial owner as the operator, Ingus Salmiņš, and the same registered address. Many instruments carry a buyback obligation from the loan originator, but it is set per issue in the Offer Document and Final Terms, does not apply to every instrument, and stays with the originator or the issuer instead of being assigned to the investor. There is no secondary market: instruments are held until they mature or the issuer settles them.
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Debitum in real numbers
Anonymized statistics from all Debitum portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
15.2%
Based on 585 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 288 stated strategies
Combined portfolio value
€6,566,741
Investors on P2P Dash
964
Interest earned all-time
€837,040
Median cash drag
2.0%
Share of funds sitting uninvested
Import Guide
- Navigate to the "My Balance" page
- Do not change the settings "Entire period" and "All transactions"
- Click "Download selected statement"
- Click "Download XLSX"
- The file will be sent via email and will be available in your inbox within a few minutes
- The Excel file can then be imported using the import tool
Compare Debitum head-to-head
Debitum returns over time
Median annual return of Debitum investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
Last 12 months
14.9%
221 investors
8.2%
2020
9.7%
2021
8.7%
2022
9.5%
2023
15.5%
2024
14.5%
2025
14.6%
2026
Is money moving into Debitum?
Monthly deposits minus withdrawals across Debitum investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
+€2,206,664
964 investors tracking
In Q3 2026, Debitum ranks 5 of 51 platforms by net capital flow. See all capital flows for Q3 2026 →
How is sentiment on Debitum changing?
The strategies Debitum investors state on P2P Dash, week by week. Each of them sets one per platform: add funds, reinvest, hold, reduce or exit.
Community score
Weekly, on a scale from 0 to 100. Above 50, plans to add money outweigh plans to take it out; below 50 it is the other way round. The bars below show how many changed their strategy that week, and in which direction.
Community score
65
as of Nov 12, 2026
Last 7 days
0
- More cautious
- 3
- More confident
- 1
Nov 6 to Nov 12, 2026
Strategies over time
Share of each strategy among all stated ones, week by week.
Show all weeks as a table
| Week | Community score | Votes | More confident | More cautious | New votes | Reset | Add funds | Reinvest | Hold | Reduce | Exit |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Nov 2 to Nov 8, 2026 | 65 | 279 | 1 | 4 | 2 | 1 | 36% | 19% | 23% | 12% | 10% |
| Oct 26 to Nov 1, 2026 | 65 | 278 | 5 | 6 | 9 | 0 | 37% | 18% | 23% | 12% | 10% |
| Oct 19 to Oct 25, 2026 | 66 | 269 | 4 | 3 | 8 | 1 | 38% | 18% | 23% | 12% | 9% |
| Oct 12 to Oct 18, 2026 | 65 | 262 | 0 | 4 | 5 | 1 | 36% | 19% | 24% | 12% | 9% |
| Oct 5 to Oct 11, 2026 | 67 | 258 | 2 | 5 | 9 | 0 | 38% | 20% | 23% | 12% | 8% |
| Sep 28 to Oct 4, 2026 | 66 | 249 | 1 | 4 | 4 | 0 | 37% | 20% | 23% | 11% | 9% |
| Sep 21 to Sep 27, 2026 | 67 | 245 | 1 | 4 | 4 | 0 | 38% | 21% | 22% | 11% | 8% |
| Sep 14 to Sep 20, 2026 | 67 | 241 | 2 | 4 | 3 | 0 | 38% | 20% | 23% | 12% | 7% |
| Sep 7 to Sep 13, 2026 | 68 | 238 | 2 | 3 | 5 | 1 | 37% | 21% | 24% | 11% | 7% |
| Aug 31 to Sep 6, 2026 | 68 | 234 | 5 | 4 | 7 | 1 | 38% | 21% | 24% | 10% | 7% |
| Aug 24 to Aug 30, 2026 | 68 | 228 | 1 | 3 | 2 | 0 | 39% | 19% | 24% | 11% | 7% |
| Aug 17 to Aug 23, 2026 | 68 | 226 | 2 | 7 | 7 | 1 | 39% | 19% | 23% | 12% | 7% |
| Aug 10 to Aug 16, 2026 | 69 | 220 | 1 | 1 | 5 | 0 | 40% | 19% | 22% | 12% | 6% |
| Aug 3 to Aug 9, 2026 | 68 | 215 | 4 | 1 | 5 | 0 | 39% | 20% | 23% | 13% | 6% |
| Jul 27 to Aug 2, 2026 | 68 | 210 | 2 | 6 | 4 | 0 | 38% | 20% | 23% | 13% | 6% |
Debitum investors also track
Share of Debitum investors on P2P Dash who also track each of these platforms: anonymized community data, shown only where at least 10 investors overlap.
Alternatives to Debitum
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
Full ranking:Business loans (SME) →
About this data: The figures on this page are aggregated from anonymized data that P2P Dash users import themselves, plus platform details we maintain by hand. We check both, but we cannot guarantee that they are complete or free of errors. Spotted a mistake? Write to tim@newnow.de and we will correct it.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 2,124 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Frequently asked questions about Debitum
Answers based on anonymized community data from P2P Dash investors.
What is Debitum?
Debitum is a peer-to-peer lending platform, founded in 2018 (headquarters: Latvia). On P2P Dash, investors import their Debitum account statements to track the real net return they earn there.
What return do investors actually earn with Debitum?
Across 585 Debitum portfolios tracked on P2P Dash, the median net return (XIRR) is 15.2%. The middle 50% of investors earn between 13.8% and 17.3% (as of November 12, 2026).
How many investors track Debitum on P2P Dash?
964 investors track their Debitum portfolios on P2P Dash, with a combined portfolio value of €6,566,741 and €837,040 in interest earned all-time.
How does Debitum rank among P2P platforms?
Debitum ranks 8 of 29 in the P2P Dash community ranking 2026. The ranking is based on what investors say they will do next with their money on each platform.
Are investors currently adding or withdrawing money at Debitum?
Of 288 stated strategies for Debitum, 54% plan to add funds or reinvest, 25% intend to hold, and 21% plan to reduce or exit (as of November 12, 2026).
Is Debitum regulated?
Yes, Debitum is a regulated platform supervised by Latvijas Banka.
Does Debitum offer a buyback guarantee?
Yes, Debitum offers a buyback guarantee: if a loan is overdue beyond a set period, it is repurchased. Keep in mind that a guarantee is only as strong as the party standing behind it.
How do I analyze my Debitum portfolio?
Export your transaction history from Debitum (excel) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more, across all your P2P platforms in one dashboard.
What are alternatives to Debitum?
Based on the community ranking, the closest alternatives to Debitum in the same asset class are Triple Dragon Funding, Maclear, Modena. Each platform page shows real median returns and investor numbers from the P2P Dash community.