Indemo
Discounted Mortgage Obligations on Spanish real estate.
Crowdscope score
Volume
30 M€
Investors
21k
2nd market
No
Auto-invest
Yes
Avg. duration
36 months
Default rate
0%
Score breakdown
Each criterion rated from 0 to 10 then weighted.
About Indemo
Overview of the platform, its framework and risk profile.
Indemo is an investment platform specializing in the financing of judicial claims, mainly from real estate disputes in Spain. Its positioning is relatively unique in the world of crowdlending and alternative investments: rather than financing classic loans to companies or individuals, Indemo allows investors to take positions on distressed assets, whose value depends on the outcome of legal proceedings.
Specifically, the platform identifies legal cases (often related to foreclosures or banking disputes), analyzes them, and then offers investors to finance their acquisition or processing. The objective is to generate a return upon resolution of the dispute, generally through the recovery of a real estate asset or a financial flow greater than the initial purchase price.
This model relies on strong legal expertise and risk analysis capabilities, with an approach similar to "distressed assets investing". Indemo thus positions itself as an innovative solution providing access to an asset class traditionally reserved for institutional investors.
Current Climate & Sentiment
Our interpretation of the community climate and trust surrounding the platform.
The overall sentiment around this investment model remains highly positive and dynamic, driven by strong portfolio growth, real estate-backed opportunities, and high anticipation for upcoming liquidity features like secondary markets. Transparency around complex topics—such as regulatory compliance and clear breakdowns of debt recovery partners—continues to build solid investor trust.
However, investors maintain a healthy level of scrutiny and key expectations on several operational and financial fronts:
Liquidity & Recovery Timelines
Given the inherent duration of legal foreclosure processes, there is strong demand for secondary market mechanisms to provide earlier exit options.
Metric Clarity & Risk Understanding
Investors frequently seek clear distinctions between total property market value and the actual recoverable claim amount (which is legally capped at the outstanding debt).
Operational Execution
Attention remains focused on customer support responsiveness (especially regarding account verification/KYC delays) and the consistent supply of new investment assets.
Summary
Investor appetite for this asset class is strong, but continued engagement relies heavily on complete transparency regarding financial ratios, legal processes, and platform operations.
Crowdscope Editorial Analysis · August 2026. Synthesis of observed community discussions, non-sponsored.
Guarantees
No specific guarantee disclosed.
Conditions
- Minimum ticket
- 10 €
- Indicative yield
- 20%
- Average duration
- 36 months
- Status
- IBF Lettonie
Warning
Investing carries a risk of partial or total capital loss. Displayed yields are indicative and not guaranteed.
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Compare Indemo with similar platforms
Side-by-side comparisons on score, yield, guarantees, liquidity and regulation.
Indemo — frequently asked questions
Is Indemo a safe crowdlending platform?
Indemo scores 43/100 in the Crowdscope framework. It operates from Latvia since 2022, under the IBF Lettonie status, with a reported default rate of 0%. No borrower guarantee is disclosed. No crowdlending platform is risk-free: capital is at risk and past performance does not predict future returns.
What return can you expect on Indemo?
The indicative yield advertised on Indemo is around 20% per year, before defaults, recovery delays and cash drag. The net return observed by investors is usually lower.
Does Indemo have a secondary market?
No, Indemo does not offer a secondary market. Investments must be held until the loan matures or is repaid early.
What is the minimum investment on Indemo?
The minimum investment per loan on Indemo is 10 EUR, with an average duration of 36 months.
Is Indemo regulated?
Indemo operates under the IBF Lettonie regime. ECSP means the platform holds the European Crowdfunding Service Provider licence supervised by a national regulator; other statuses indicate a national regime or the absence of a dedicated crowdfunding licence.
Last updated: · Reviewed by the Crowdscope editorial team