Půjčka 29331-01 - Podnikatelský úvěr Lithuania

Detail půjčky

Typ půjčky Podnikatelský úvěr
Výše € 25 000.00
Zbývající jistina € 14 675.49
Effective APR 32.0%
Úrok (12.5%)
6.0%
Původní LTV 71%
LTV 42%
Původní doba trvání 12 m. 5 d.
Zbývající doba trvání Zpožděné
Způsob splácení Úplné
Datun zveřejnění 09.11.2015
Datum poskytnutí 27.10.2015
Datum uzávěrky 01.11.2016
Stav Smlouva zneplatněna
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Detaily poskytovatele půjček

Poskytovatel půjčky
Právnická osoba
UAB Capitalia Finance
Garance skupinou
AS Capitalia, Capitalia Finance OU
  • Dlužník a zajištění
  • Splátkový kalendář
  • Rozdělení investice
  • Vymáhání pohledávek
  • Podrobnosti o dlužníkovi a zajištění

    Účel půjčkyProvozní kapitál
    DlužníkSpolečnost
    Podnikatelský sektorWholesale trade, except of motor vehicles and motorcycles
    PopisActivities started in 1991 as a small family business. Company does wholesale trade of professional kitchen equipment for bars, restaurants, hotels as well as counsel kitchen planning, designs and optimizations. Today business activities include the UK, Germany, Poland, Lithuania, Latvia, Estonia, Finland, Russia, Ukraine, Azerbaijan and Kazakhstan. Company has implemented more than 1,000 projects for restaurants, hotels, supermarkets, cafés, bars, schools, universities, hospitals and airports. Company is unique in market because they represent more than 320 manufacturers. Financing was attracted to increase available stock in warehouse for increasing orders.
    Registrována21.10.2010
    Odhadovaná roční míra selhání 1.2%
    Zajištění Collateral is inventory (new professional kitchen equipment), stored in DS Construction warehouse in amount of EUR 50,000 value.
    Země Lithuania
    Ocenění€ 35 000 / 26.10.2015
    Osobní záruka No
    Popis kategorie rizik B
  • DatePrincipal Úrok CelkemPřijatá platbaDatum platbyStav
    01.12.2015 € 0.00 € 208.33 € 208.33 € 208.33 09.12.2015 Uhrazeno po datu splatnosti
    01.01.2016 € 1 985.62 € 269.10 € 2 254.72 € 2 254.72 01.03.2016 Uhrazeno po datu splatnosti
    01.02.2016 € 2 038.57 € 247.72 € 2 286.29 € 2 286.29 18.03.2016 Uhrazeno po datu splatnosti
    01.03.2016 € 2 092.94 € 211.21 € 2 304.15 € 2 304.15 28.07.2016 Uhrazeno po datu splatnosti
    01.04.2016 € 2 148.75 € 203.25 € 2 352.00 € 438.92 Late
    01.05.2016 € 2 206.05 € 174.31 € 2 380.36 € 174.31 Late
    01.06.2016 € 2 264.88 € 156.38 € 2 421.26 € 156.38 Late
    01.07.2016 € 2 325.27 € 127.74 € 2 453.01 € 127.74 Late
    01.08.2016 € 2 387.28 € 106.97 € 2 494.25 € 106.97 Late
    01.09.2016 € 2 450.94 € 81.27 € 2 532.21 € 81.27 Late

    The loan has defaulted. Debt collection has been initiated.

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  • History of Actions

    DatumActionPopis
    26.07.2016 Restructuring Debtor has applied for restructuring of the company to the court. The collection process could be slowed down.
    12.09.2016 Debt collection started Contract with the borrower has been terminated and debt collection process has been started
    12.09.2016 Default All collection actions are stopped until court. Court date is 2016.09.20 15:00. Pledged inventory is secured and arrested. Capitalia pays for warehouse in which these items are kept. Loan agreement is terminated.
    04.10.2016 Court decision Court decision to make bankruptcy case, so all procedures will start and happen in standard terms. Nothing to expect soon.
    25.10.2016 Administrator selected Bankruptcy administrator selected, recovery will be started with the realization of pledged inventory.
    19.12.2016 Bankruptcy process. No update from bankruptcy administrator yet. Slow process.
    06.01.2017 Debt recovery process Waiting for auction.
    30.01.2017 Debt recovery process Creditors meeting and start of auction, likely to be in February.
    08.03.2017 Debt recovery process Auction is not yet started by Bankruptcy administrator. Also inventory sale process and prices are being confirmed with Bankruptcy administrator in order for Debt collection company to be looking for pledged inventory buyers not only via auction.
    19.05.2017 Debt recovery process Bankruptcy administrator cannot do official auction without creditors meeting and that has not happened yet. Likely that it will happen in May. Afterwards official auction of pledged inventory will be done.
    08.06.2017 Debt recovery process Inventory was checked and evaluated by expert. Proposals were sent out to similar companies in Latvia and Lithuania. Also public advertisement was published. Capitalia received 6 offers all from different sources. Best offer was accepted and inventory sale will be executed asap. For remaining debt Capitalia will continue participating in bankruptcy proceedings.
    11.07.2017 Debt recovery process Inventory was sold to the highest offer. After deducting warehouse and collection costs, 5078.95 EUR of principal was repaid. Capitalia continues to participate in bankruptcy proceedings.
    15.08.2017 Debt recovery process 2017.08.08 first Creditors meeting took place. Waiting for full report from bankruptcy administrator on decisions that were made.
    06.09.2017 Debt recovery process Creditors meeting made all decisions. Largest asset for sale is pledged to bank. It is not expected to cover all creditors requests. Total 635k EUR are requested by all creditors vs. most valuable asset land (starting auction price 50k EUR, currently had only one purchase offer for 15k EUR). Second highest value asset is shares of Latvian company valued at 2.8k EUR.
    11.10.2017 Debt recovery process Waiting for court decision to liquidate company.
    08.11.2017 Court decision Waiting for court decision to liquidate company.
    13.12.2017 Court decision No news from bankruptcy yet.
    15.01.2018 Court decision No news from bankruptcy yet.
    16.02.2018 Regular update on the borrower status There are no updates since the latest status update.
    16.04.2018 Court decision Bankruptcy administrator is waiting for court investigation to be completed.
    17.05.2018 Court process Bankruptcy administrator is still waiting for court investigation to be completed.
    28.06.2018 Regular update on the borrower status There are no updates since the latest status update.
    25.07.2018 Regular update on the borrower status There are no updates since the latest status update.
    20.08.2018 Regular update on the borrower status There are no updates since the latest status update.
    26.10.2018 Regular update on the borrower status There are no updates since the latest status update.
    30.11.2018 Default Default

    Debt collection costs: € 961.53

    Obdržené platby

    DatumČástka
    29.06.2017 € 1 262.33
    29.06.2017 € 2 148.75
    29.06.2017 € 1 667.87