Gathering data

Debitum Review

Debitum Statistics

  • Business name: Debitum
  • Legal name: SIA DN Operator
  • Jurisdiction: Latvia
  • Type: P2P platform
  • Average score:
    5 / 5
Promised annual return

9.1 %

Sneakypeer scoring




Secondary Info
  • Total invested: €49.9M
  • Buyback guarantee: Yes
  • Secondary market: No
  • Licensed: Yes
Loan Types
Business loans
Invoice Financing
Trade financing
Promissory note

Debitum Description

General Information

Debitum Network is a Latvian P2P lending platform, which was founded in 2010. The platform offers four types of loan: business loans, invoice financing, trade financing and promissory note. Up to now, Debitum has 12 loan originators from different countries such as Latvia, Romania and Czech Republic. Debitum has an investment brokerage/crowdfunding licence. To date, more than EUR 42 million has been invested through the platform.

Board & Team

Debitum Network publishes information about the board members and team on the web page. The only board member and UBO of the company is Martins Liberts who has a significant experience in the industry as well as Masters degrees in business administration and management of information systems.

Financial Analysis

The platform publishes its annual reports on their webpage. The historical loan books are not available on the web page, there are limited statistics on the news section. Looking at their financial figures, it can be said that Debitum Network had liquidity problems in 2020 and it was equity financed.

Platform’s Score and Uniqueness

Debitum offers withdrawal and autoinvest features, but not the secondary market. Buyback guarantee includes in most of the loans, there are personal guarantees to the payment loan as well. The investment can be diversified and the promised return is up to 9%, which is justified in their webpage. The promised return is below the market average return. It is free of charge to invest through Debitum. The platform representatives and company itself can not be found in the registered/stated address, which can be considered as a red flag.


Debitum Network, a Latvian P2P lending platform offers more than 8%/up to 9% return on investment. The platform offers features such as autoinvest, however not the secondary market. There are buyback guarantees to the majority of loans, and personal guarantee and collateral to the payment of loans are offered as well depending on the loan type. The platform does not publish information about its board members and team. There is the annual report of the platform available for 2020 on their webpage, not even available on the official database. Debitum does not publish its historical loan books either. The platform itself can not be found in the registered address that can be considered as a potential red flag. From the platform’s financial ratios, it can be analyzed that the platform had liquidity problems in 2020.

Debitum Financials

Financial ratios

Debt to equity:
Quick ratio:
Return on assets:


Intangible assets
Fixed assets
Long term investments
Short term investments


Long term debt
Short term debt