The European financial landscape is approaching a critical juncture. As the “Maturity Wall” in commercial real estate financing intensifies, financial institutions face hundreds of billions of Euros in refinancing requirements over the next 2–3 years. Simultaneously, the volume of Stage-2 loans and Non-Performing Loans (NPLs) is rising sharply across the EU and Germany, placing unprecedented pressure on internal workout teams that are already operating at capacity. In this environment, relying on slow, opaque bilateral negotiations is a liability.

Debitos fundamentally transforms how banks and funds manage these challenges. As Europe’s established digital secondary market, we replace the friction of traditional deal-making with a streamlined, transparent ecosystem. We specialize in the sale of sub-performing loans, Unlikely-to-Pay (UTP) engagements, and distressed real estate assets (REOs). By digitizing the transaction lifecycle, we allow you to bypass the bottlenecks of conventional sell-side advisory, connecting your assets directly with a deep pool of qualified international investors. This is not just about selling bad debt; it is about proactive balance sheet optimization and regaining operational agility.