First, we assess the reputation of both the project owner and the project itself – it is important for us that it is impeccable. Next, we analyze the financial situation: the financial standing of the project and its owner, credit history, type of activity, market conditions, and submitted financial forecasts.
During the evaluation, we use both internal analysis and a credit rating calculator, which helps determine the project's risk level. One of the most important criteria is that the debt-to-asset ratio does not exceed 75%.
Based on this data, each project is assigned a risk score and rating, which are clearly indicated next to each project on the platform. Generally, lower-risk and shorter-term projects come with lower returns, while higher-risk projects have greater potential returns.
Such risk assessment allows investors to better understand their risk tolerance and choose the most suitable project.

First, projects are selected with great care – we aim to offer investors only those projects where their funds would be as secure as possible.
Second, an additional layer of security is provided through pledged assets or shares. This acts as a guarantee: even if the company faces financial difficulties, investors would have a high probability of recovering their invested funds.

Third, investors' interests are safeguarded by a trustee, who oversees that the issuer fulfills its obligations properly.

Finally, bond ownership is recorded in each investor's securities account. This means that even if the crowdfunding operator ceased operations, the link between the issuer and the investor would not be broken – the ownership of investments would remain protected and officially registered.

The return on investment is calculated as a percentage of your invested amount, taking into account the project financing period.

For example, if you invest €1,000 in a project with an annual return of 9%, the return is calculated on the basis of the €1,000 invested. After one year, your profit would be €90, and the total amount returned would be €1,090.

The annual return on the project is always indicated on each project card.

Our financing experts carefully select and evaluate the projects published on the Bondea platform, but the assessments, ratings, or other project-related information provided should not be considered investment advice. Even investments secured with collateral carry risks – including liquidity risk or the risk of capital loss. Therefore, they should only be part of a diversified investment portfolio. By investing, you assume all risks associated with investments. More details about risks can be found in the "Documents" section.