Drooms

At Drooms, innovation never stops. Over the past months, we've introduced several game-changing features and updates designed to enhance workflows, improve efficiency in virtual data room management, support AI-powered due diligence, and provide even grea

Vendor due diligence can give buyers an earlier, more structured view of a target company before they commit significant resources to their own investigation. In competitive M&A processes, it can also help sellers prepare for scrutiny, identify potential

Securing investment in the life sciences sector is unlike any other fundraising process. Biotech investors don't just evaluate your vision - they scrutinise your science, your regulatory pathway, your IP, and your clinical data. A compelling pitch deck ge

The Netherlands enters 2026 from a comparatively resilient position. Its overall NPL ratio fell from 1.48% to 1.32% in 2025, the lowest level among the five markets examined in the Drooms NPL Report 2026. NPL volumes also declined by €2.14bn to €27.35bn.

Few markets show the impact of long-term NPL reduction as clearly as Spain. In 2025, NPL volumes fell by €5.70bn to €68.66bn, the largest absolute decline across the five markets examined in the Drooms NPL Report 2026. The overall NPL ratio also dropped f

Italy continues to reduce its stock of non-performing loans. NPL volumes fell by €4.75bn in 2025 to €33.49bn, while the overall NPL ratio declined from 2.31% to 2.00%. This puts Italy on a different trajectory from Germany and France, where NPL pressure h

France is moving against the European trend. While NPL volumes declined in Spain, Italy and the Netherlands, the volume of non-performing loans in France rose by €7.58bn in 2025 to €127.80bn - the largest absolute increase across the five markets examined

At first glance, Germany's credit market appears relatively stable. The overall NPL ratio stands at 1.54%, below the EU/EEA average of 1.89%. Commercial real estate tells a different story, however: the CRE NPL ratio rose from 5.9% to 6.9% within a year.

The real estate sector is undergoing a seismic shift. As asset and transaction managers grapple with rising complexity - regulatory demands, sustainability goals, market volatility - artificial intelligence is emerging as a game-changer, reshaping decisio