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+
User ID:
simpeksa
Country:
Loan type:
/ Business
Amount:
25 000 €
Term:
20 months
Risk category:
b
Target rate:
15%
Collateral:
  • Loan Request
  • Company Details
  • Financials
  • Collaterals
  • Lending Offers
Amount
25 000 €
Loan term
20 months
Target rate
15%
Loan purpose
Growth funding
Progress
70%
Repayments plan type
Amortizing
Listing ends
2018-12-15 15:03:11
Listing time left
4 days
Business Type
Limited liability company
Business Sector
Architektai; Fasadas, fasado apdaila; Statyba; Stogų dangos, paslaugos; Šiltinimas, renovacija
Product Service
-
Business Region
-
Years Trading
10
Number Of Employees
24

Business description

Simpeksa, UAB main activity - installation of roof. Company was launched in 2007, sales for 2018 Q1 - €133.478, 2017 - €511.621. The company is refinancing FinBee loan (ID 17394). Company has won a tender of construction works and requires further working capital loan for implementation of the contract. The loan is personally guaranteed by the CEO.

More information about the company: http://www.simpeksa.lt/

Additional comment
This is second company’s loan on FinBee Business. 8/9 payments were made on time, one was 5 days late.

//

Simpeksa, UAB pagrindinė veikla - stogų dengimas. Įmonė veiklą pradėjo 2007 metais, pardavimai už 2018 I ketv. - €133.478, 2017 - €511.621. Įmonė refinansuoja FinBee paskolą (ID 17394). Įmonė laimėjo statybos darbų konkursą, kurio pabaigimui įmonei reikalingas paskolos termino pratęsimas. Už paskolą asmeniškai garantuoja įmonės vadovas.

Daugiau informacijos apie kompaniją: http://www.simpeksa.lt/

Papildoma informacija: tai yra antroji kompanijos paskola FinBeeVerslui. 8/9 įmokos sumokėtos laiku, viena vėlavo penkias dienas.

Profit (loss) report

Amount in euros
2018-03-312017-12-31
Turnover
133478511621
Cost of sales
3501489057
Gross profit
98464422564
Operating costs
128001481497
Operating profit
-29537-58933
Other income
Income from financial and investing activities
-381
Gross operating profit
-29537-59314
Extra ordinary gain
Extra ordinary loss
Profit before tax
-29537-59314
Profit tax
Net income
-29537-59314

Balance sheet

Amount in euros
2018-03-312017-12-31
Long term assets
5033535208
Intangible assets
490547
Material assets
4984534661
Financial assets
Other long term assets
Short term assets
10495377479
Stock advance payments contracts in progress
328727401
Amount to be received within one year
4672348608
Other short term assets
Cash and cash equivalents
2535821470
Total assets
156738113420
Capital and reserves
2515848501
Statutory capital
1303213032
Reappraisal reserves
Reserves
13031303
Retained earnings
1082334166
Donations and subsidies
Amount to be paid and liabilities
13158064919
Amounts to be paid after one year and long term liabilities
220889080
Amount to be paid within one year and short term liabilities
10949255839
Liabilities in total
156738113420
Director's/shareholder's guarantee
Yes
Key customers
-

Auction bids are sorted by date loan offer was added to the lending offers list. On the top are the newest offers.
✓ = offer included in loan
(✓) = offer partially included in loan, not all of the amount bid, is in the loan

IDLenderAmountRateDateStatus
+
User ID:
EleFin
Country:
Loan type:
/ Consumer
Amount:
7 200 €
Term:
36 months
Risk category:
b
Target rate:
15%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
7 200 €
Loan term
36 months
Target rate
15%
Loan purpose
Consolidation of Other Loans
Progress
84%
Listing ends
2018-12-22 15:51:45
Listing time left
12 days
Available Income
844 €
Monthly Income
956 €
Existing loans payments
112 €
Debt Repayments v Income (DTI) Ratio
40% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2017-09-25

Auction bids are sorted by date loan offer was added to the lending offers list. On the top are the newest offers.
✓ = offer included in loan
(✓) = offer partially included in loan, not all of the amount bid, is in the loan

IDLenderAmountRateDateStatus
+
User ID:
Buba
Country:
Loan type:
/ Consumer
Amount:
7 250 €
Term:
60 months
Risk category:
b
Target rate:
18%
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
7 250 €
Loan term
60 months
Target rate
18%
Loan purpose
Consolidation of Other Loans
Progress
34%
Listing ends
2018-12-25 13:29:21
Listing time left
14 days
Available Income
601 €
Monthly Income
633 €
Existing loans payments
32 €
Debt Repayments v Income (DTI) Ratio
38% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
-

Auction bids are sorted by date loan offer was added to the lending offers list. On the top are the newest offers.
✓ = offer included in loan
(✓) = offer partially included in loan, not all of the amount bid, is in the loan

IDLenderAmountRateDateStatus
+
User ID:
Pusis
Country:
Loan type:
/ Consumer
Amount:
2 170 €
Term:
36 months
Risk category:
b
Target rate:
15%
Waiting for acceptance
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
2 170 €
Loan term
36 months
Target rate
15%
Loan purpose
Home Improvements
Progress
100%
Listing ends
2018-12-18 15:52:09
Listing time left
8 days
Available Income
948 €
Monthly Income
1 072 €
Existing loans payments
124 €
Debt Repayments v Income (DTI) Ratio
19% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2017-07-04

Auction bids are sorted by date loan offer was added to the lending offers list. On the top are the newest offers.
✓ = offer included in loan
(✓) = offer partially included in loan, not all of the amount bid, is in the loan

IDLenderAmountRateDateStatus
b
+
User ID:
Irmule530
Country:
Loan type:
/ Consumer
Amount:
1 900 €
Term:
36 months
Risk category:
d
Target rate:
27%
Waiting for acceptance
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
1 900 €
Loan term
36 months
Target rate
27%
Loan purpose
Consolidation of Other Loans
Progress
100%
Listing ends
2018-12-19 11:04:37
Listing time left
8 days
Available Income
1 552 €
Monthly Income
1 850 €
Existing loans payments
298 €
Debt Repayments v Income (DTI) Ratio
21% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2016-06-26

Auction bids are sorted by date loan offer was added to the lending offers list. On the top are the newest offers.
✓ = offer included in loan
(✓) = offer partially included in loan, not all of the amount bid, is in the loan

IDLenderAmountRateDateStatus
d
+
User ID:
barei
Country:
Loan type:
/ Consumer
Amount:
1 090 €
Term:
36 months
Risk category:
b
Target rate:
15%
Waiting for acceptance
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
1 090 €
Loan term
36 months
Target rate
15%
Loan purpose
Other Purposes
Progress
100%
Listing ends
2018-12-21 11:04:48
Listing time left
10 days
Available Income
331 €
Monthly Income
482 €
Existing loans payments
151 €
Debt Repayments v Income (DTI) Ratio
40% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2016-12-06

Auction bids are sorted by date loan offer was added to the lending offers list. On the top are the newest offers.
✓ = offer included in loan
(✓) = offer partially included in loan, not all of the amount bid, is in the loan

IDLenderAmountRateDateStatus
b
+
User ID:
krau
Country:
Loan type:
/ Consumer
Amount:
1 775 €
Term:
30 months
Risk category:
c
Target rate:
22%
Waiting for acceptance
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
1 775 €
Loan term
30 months
Target rate
22%
Loan purpose
Other Purposes
Progress
100%
Listing ends
2018-12-22 09:12:34
Listing time left
11 days
Available Income
392 €
Monthly Income
460 €
Existing loans payments
68 €
Debt Repayments v Income (DTI) Ratio
33% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2009-04-08

Auction bids are sorted by date loan offer was added to the lending offers list. On the top are the newest offers.
✓ = offer included in loan
(✓) = offer partially included in loan, not all of the amount bid, is in the loan

IDLenderAmountRateDateStatus
c
+
User ID:
Renatas87
Country:
Loan type:
/ Consumer
Amount:
1 280 €
Term:
12 months
Risk category:
b
Target rate:
14%
Waiting for acceptance
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
1 280 €
Loan term
12 months
Target rate
14%
Loan purpose
Consolidation of Other Loans
Progress
100%
Listing ends
2018-12-22 15:33:52
Listing time left
11 days
Available Income
1 173 €
Monthly Income
1 196 €
Existing loans payments
23 €
Debt Repayments v Income (DTI) Ratio
12% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
-

Auction bids are sorted by date loan offer was added to the lending offers list. On the top are the newest offers.
✓ = offer included in loan
(✓) = offer partially included in loan, not all of the amount bid, is in the loan

IDLenderAmountRateDateStatus
b
+
User ID:
Nijole77
Country:
Loan type:
/ Consumer
Amount:
700 €
Term:
12 months
Risk category:
b
Target rate:
14%
Waiting for acceptance
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
700 €
Loan term
12 months
Target rate
14%
Loan purpose
Other Purposes
Progress
100%
Listing ends
2018-12-22 16:20:49
Listing time left
12 days
Available Income
737 €
Monthly Income
811 €
Existing loans payments
74 €
Debt Repayments v Income (DTI) Ratio
17% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
-

Auction bids are sorted by date loan offer was added to the lending offers list. On the top are the newest offers.
✓ = offer included in loan
(✓) = offer partially included in loan, not all of the amount bid, is in the loan

IDLenderAmountRateDateStatus
b
+
User ID:
valentinas69
Country:
Loan type:
/ Consumer
Amount:
3 470 €
Term:
60 months
Risk category:
b
Target rate:
18%
Waiting for acceptance
  • Loan Request
  • Income/Expenses & Loans
  • Lending Offers
Amount
3 470 €
Loan term
60 months
Target rate
18%
Loan purpose
Consolidation of Other Loans
Progress
100%
Listing ends
2018-12-23 16:08:15
Listing time left
13 days
Available Income
357 €
Monthly Income
429 €
Existing loans payments
72 €
Debt Repayments v Income (DTI) Ratio
40% Ratio is acceptable
Employment status
Employed
Outstanding debts and financial obligations
-
Date of the last registered payment of debt and financial obligations
2016-09-27

Auction bids are sorted by date loan offer was added to the lending offers list. On the top are the newest offers.
✓ = offer included in loan
(✓) = offer partially included in loan, not all of the amount bid, is in the loan

IDLenderAmountRateDateStatus
b

HOW TO START INVESTING

  • 1

    Open your account

    It will take you just a few moments to open your account. Transfer money you want to invest.

  • 2

    Choose automated lending portfolio

    Choose automated lending portfolio or invest manually. Investing has never been that easy!

  • 3

    Cash out or reinvest your money

    Each month you will get your monthly instalments. Cash out or reinvest your money.

PLEASE HAVE IN MIND!

Even if FinBee makes all what is possible to provide you with credit worthy borrowers it is your own risk to choose whom to lend your money. We highly recommend you to start lending in small amounts, understand the risks of Peer-to-Peer lending and only then increase your amounts.

HOW TO MITAGETE INVESTMENT RISK OF BUSINESS LOANS?

Experienced credit scoring specialists team at FinBee checks every single application and selects the very few best companies to invest to. Despite that, some of the companies might have difficulties to make payments and/or repay the loan what may lead the investors to losing part or all invested funds. We would like to mention that funds invested to the loans are not covered by deposit insurance provided by the Republic of Lithuania. Possible losses may be lowered by diversifying the investments, i.e. spreading your investments over a number of borrowers. Before investing to a specific business loan we strongly suggest to consider company’s financial results, activity sector, activity region, Head of the company, reviews of the service, offered pledges and also feel free to ask questions about the borrower.

  • A*Low Risk
  • ALower Risk
  • BMedium Risk
  • CHigher Risk
  • DHigh Risk
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