Rerum
A Czech non-bank financial institution and one of the largest non-bank short-term consumer lenders in Czechia, combining revolving unsecured credit lines with car-collateralized microloans, fully restructured under new shareholders and management in 2022 and growing its net loan book nearly fivefold from USD 2.1 mln to USD 10.3 mln by 9M 2024.
Kilde Score is the platform’s proprietary credit assessment of the borrower, reflecting Kilde’s independent credit view and expressed as a numeric score from worst to best (1.00–5.75). For full details of the credit methodology, including its mapping to a Fitch-style rating equivalent, please refer to this article.
Total value of bonds this borrower has listed on Kilde for investors to fund.
Czech Republic
Regulatory status of the borrower: Licensed if the license is required, or 'Not applicable' if no licence is required in its operating market(s).
Total amount of loans the borrower has issued to its own end customers. Reflects the company's overall lending scale.
Outstanding balance of the borrower’s loan portfolio, net of impairment provisions.
Overview
Background & History
Rerum Finance s.r.o., a Czech non-bank consumer lender, was founded on 17 July 2014 in Prague (Company № C 228845) and acquired by new shareholders and management in 2022. It has held a Czech National Bank (ČNB) consumer-credit licence since 2018 and is a member of the Association of Non-Bank Lenders (APNU), operating under Act No. 257/2016 Coll. on Consumer Credit. HQ: Jungmannova 26/15, Prague.
Business Model & Lines of Business
Rerum issues revolving, unsecured CZK credit lines of 1,000–30,000 CZK (~USD 1,170 average ticket) to Czech retail clients with no fixed maturity, charging 1.33% per day (~480% APR). Defaulted loans are sold to collection agencies at principal + ~15%, ensuring full principal recovery. A car-secured microloan is offered as a secondary product. Origination runs via www.rerum.cz and a network of licensed intermediaries.
Key Milestones
Since the 2022 ownership change, the net loan book has grown from USD 2.1m to USD 10.3m (9M-2024), with 86k+ registered (14k active) clients served. Net interest income reached USD 13.1m in 9M-2024 (equal to full FY23) and net profit USD 8.7m (+24.5% YoY). On Kilde since February 2025 with a USD 5m, 36-month senior secured tranche at 13.5% p.a. and a BBB Kilde Credit Score.
Management Team & Organization
CEO Bc. Monika Bohdalová, MBA (12+ yrs Czech consumer finance) leads a 7-person executive team: Damian Majiros (Collections, 15 yrs), Oleksii Kyrylenko (Risk, 8 yrs), Sergey Chaush (Product, with Rerum since 2018), Stepan Libis (Marketing, 10 yrs), Ondrej Stanek (Finance, 15 yrs) and Katarina Richtarcikova (Sales & Customer Service).
Financials
Outstanding balance of the borrower’s loan portfolio, net of impairment provisions.
Total income (interest and fee income) generated from the borrower’s lending activities.
Products
Typical contractual tenor of the loans disbursed by the borrower to its end customers.
The effective Annual Percentage Rate of the loan charged by the borrower to its end customers, inclusive of interest and fees.
Typical principal amount disbursed by the borrower to its end customers per loan transaction.
Expected share of non-performing loans (NPL) — loans where the end customer has stopped repaying — under this product, shown as a range.
Share of this product in the borrower's overall loan portfolio. Shows how much of the lending business comes from this product.
Market Data
According to Fitch Rating
Annualised
Annualised
Data Sources
*** PLACEHOLDER *** MORE INFO REQUIRED FROM BORROWER ***