DEBITOS - Transaction platform for loans and real estate
DEBITOS - Transaction platform for loans and real estate
DEBITOS GmbH
plus VAT
Debitos GmbH
Debitos GmbH is the leading loan and real estate transaction platform in Europe.
The company enables banks, funds, insolvency practitioners and businesses to sell their illiquid assets efficiently on the market via an open, transparent and auction-based online transaction platform. We bring sellers, investors and advisers for a wide range of asset classes together in one central place.
Payable only on a successful transaction. The amount depends on the asset class and volume.
At a glance
The broad investor base maximises proceeds while ensuring transparency in the bidding process.
Thanks to full digitalisation, Debitos can reduce the expected time to sale to 3 to 8 weeks – compared with 3 to 6 months via traditional routes.
Access to a large network of specialised investors: more than 2,000 investors from across Europe are registered on the platform today.
Smooth cross-border transactions in five languages: German, English, Italian, Spanish and Greek.
The platform is 100 % web-based and can be operated directly via the browser without any additional software.
Challenges & solutions
For banks
If a debtor becomes insolvent, the financing bank must realise the secured loan or the collateral itself – efficiently and at the best possible price. For this purpose, Debitos provides a realisation platform that meets the strict compliance requirements of banks: the necessary technical infrastructure, a consistently documented bidding process and direct access to qualified investors. Because the auction is open and transparent, price discovery is traceable and broad market outreach is documented.
For insolvency practitioners
In proceedings, an insolvency practitioner needs a legally sound and efficient route to realising real estate that is in line with creditors' interests. Via the Debitos platform, broad market outreach can be transparently evidenced – every step of the bidding process is documented. This reduces the administrative effort and the costs of the proceedings while maximising the proceeds for the insolvency estate. Instead of three to six months via traditional routes, the expected time to sale is three to eight weeks.
For creditors
A creditor holds a claim against an insolvent company and would have to wait for their dividend until the proceedings are concluded. Via the platform, they can instead sell the claim and receive a discounted purchase price promptly. The sale is conducted entirely digitally via the browser, and the claim is offered to the same Europe-wide investor network as all other asset classes.
Further details
The notice period for customers is 4 weeks. The licensing model is "Company based" and is not subject to any restriction on the number of users.
Since then, the company has successfully supported transactions with a total volume of over 10 billion euros.
