// Opportunity detail screen function OpportunityDetail({ id, onBack, onInvest }) { const { t, lang } = useT(); const [tab, setTab] = useState('overview'); const [amount, setAmount] = useState(''); const opp = window.DIVIDIS_DATA.opportunities.find(o => o.id === id); if (!opp) { return
Opportunity not found.
; } const pct = Math.round((opp.raised / opp.total) * 100); const yieldDisplay = opp.yield != null ? `${opp.yield.toFixed(1)}%` : opp.yieldRange; // Investment summary calc const amtNum = parseFloat(amount) || 0; const valid = amtNum >= opp.min; const annualReturn = opp.yield ? amtNum * (opp.yield / 100) : 0; const termYears = opp.termUnit === 'days' ? opp.term / 365 : opp.termUnit === 'months' ? opp.term / 12 : opp.term; const grossReturn = annualReturn * termYears; const fee = amtNum * 0.01; const net = grossReturn - fee; const tabs = [ { id: 'overview', label: t('det_overview') }, { id: 'company', label: t('det_company') }, { id: 'risk', label: t('det_risk') }, { id: 'docs', label: t('det_docs') }, { id: 'qa', label: t('det_qa') }, ]; return (
{/* Breadcrumb back */} {/* Hero */}
{opp.id}

{opp.issuer}

{opp.sector[lang]} · {opp.hq} · Founded {opp.founded}
{fmtEUR(opp.raised)}
{t('mkt_funded')} {t('of')} {fmtEUR(opp.total)}
{pct}%
124 inversores 12 días restantes
{/* Key terms strip */}
{[ { label: t('det_term_yield'), value: yieldDisplay, accent: 'var(--emerald-2)' }, { label: t('det_term_term'), value: termLabel(opp, t) }, { label: t('det_term_min'), value: fmtEUR(opp.min) }, { label: t('det_term_total'), value: fmtEUR(opp.total) }, { label: t('det_term_rating'), value: }, { label: t('det_term_pay'), value: opp.payFreq[lang] }, ].map((c, i) => (
{c.label}
{c.value}
))}
{/* Two-column body */}
{tabs.map(tb => ( ))}
{tab === 'overview' && } {tab === 'company' && } {tab === 'risk' && } {tab === 'docs' && } {tab === 'qa' && }
{/* Sticky invest panel */}
); } // Tab content function OverviewTab({ opp }) { const { t, lang } = useT(); return (

{t('det_summary_title')}

{opp.desc[lang]}

{lang === 'es' ? (

La operación se estructura como {opp.structure.es.toLowerCase()}, con {opp.collateral.es.toLowerCase()} como mecanismo de mitigación de riesgo. El emisor presenta un perfil financiero contrastado, con {fmtEUR(opp.revenue)} de facturación en 2024 y un EBITDA de {fmtEUR(opp.ebitda)}, lo que se traduce en un margen operativo del {((opp.ebitda / opp.revenue) * 100).toFixed(1)}%.

) : (

The operation is structured as a {opp.structure.en.toLowerCase()}, with {opp.collateral.en.toLowerCase()} as risk-mitigation mechanism. The issuer shows a solid financial profile with {fmtEUR(opp.revenue)} of 2024 revenue and {fmtEUR(opp.ebitda)} EBITDA — an operating margin of {((opp.ebitda / opp.revenue) * 100).toFixed(1)}%.

)}

{t('det_terms_title')}

{[ [t('det_term_struct'), opp.structure[lang]], [t('det_term_collateral'), opp.collateral[lang]], [t('det_term_pay'), opp.payFreq[lang]], ['ISIN', `ES0DV${opp.id.replace(/\D/g, '').slice(-7)}`], [lang === 'es' ? 'Fecha emisión' : 'Issue date', '12 May 2025'], [lang === 'es' ? 'Vencimiento' : 'Maturity', opp.termUnit === 'days' ? '10 Aug 2025' : opp.termUnit === 'months' ? '12 Nov 2026' : '12 May 2030'], ].map(([k, v]) => (
{k} {v}
))}
); } function CompanyTab({ opp }) { const { t, lang } = useT(); return (

{t('det_co_about')}

{[ [t('det_co_founded'), opp.founded], [t('det_co_employees'), opp.employees], [t('det_co_sector'), opp.sector[lang]], [t('det_co_hq'), opp.hq], [t('det_co_revenue'), fmtEUR(opp.revenue)], [t('det_co_ebitda'), fmtEUR(opp.ebitda)], ].map(([k, v]) => (
{k}
{v}
))}

{lang === 'es' ? 'Evolución financiera' : 'Financial evolution'}

); } function FinancialChart({ opp }) { // Simple synthetic 5-year revenue trajectory ending at opp.revenue const years = ['2020', '2021', '2022', '2023', '2024']; const revenue = [0.62, 0.71, 0.81, 0.92, 1.0].map(f => Math.round(opp.revenue * f / 100000) * 100000); const ebitda = [0.55, 0.66, 0.78, 0.88, 1.0].map(f => Math.round(opp.ebitda * f / 100000) * 100000); const max = Math.max(...revenue); const W = 600, H = 200, pad = 30; return (
Revenue EBITDA
{[0.25, 0.5, 0.75, 1].map(g => ( ))} {/* Revenue line */} `${pad + (i * (W - 2 * pad)) / (revenue.length - 1)},${H - (v / max) * (H - 10)}`).join(' ')} fill="none" stroke="var(--emerald-2)" strokeWidth="2" /> {revenue.map((v, i) => ( ))} {/* EBITDA line */} `${pad + (i * (W - 2 * pad)) / (ebitda.length - 1)},${H - (v / max) * (H - 10)}`).join(' ')} fill="none" stroke="var(--gold)" strokeWidth="2" strokeDasharray="4 3" /> {ebitda.map((v, i) => ( ))} {years.map((y, i) => ( {y} ))}
); } function RiskTab({ opp }) { const { t, lang } = useT(); // Score breakdown const factors = [ { es: 'Solvencia del cliente final', en: 'End-client creditworthiness', score: 92 }, { es: 'Histórico de pagos', en: 'Payment history', score: 88 }, { es: 'Concentración sectorial', en: 'Sector concentration', score: 76 }, { es: 'Calidad del colateral', en: 'Collateral quality', score: 84 }, { es: 'Cobertura financiera', en: 'Debt service coverage', score: 79 }, { es: 'Riesgo macro', en: 'Macro risk', score: 70 }, ]; const overall = Math.round(factors.reduce((s, f) => s + f.score, 0) / factors.length); const strengths = lang === 'es' ? [ 'Cliente final con rating crediticio AA', 'Histórico de cobros sin retrasos', 'Garantía en escritura de primer rango', ] : [ 'End-client with AA credit rating', 'Payment history with no delays', 'First-rank notarized guarantee', ]; const weaknesses = lang === 'es' ? [ 'Concentración geográfica (España)', 'Sensibilidad al ciclo de consumo', ] : [ 'Geographic concentration (Spain)', 'Sensitivity to consumer cycle', ]; return (
{t('det_risk_score')}
= 80 ? 'var(--emerald-2)' : overall >= 60 ? 'var(--gold)' : 'var(--amber)' }}>{overall}
/100 · {opp.rating}
= 80 ? 'var(--emerald-2)' : overall >= 60 ? 'var(--gold)' : 'var(--amber)' }} />
{t('det_risk_factors')}
{factors.map(f => (
{f[lang]}
= 80 ? 'var(--emerald-2)' : f.score >= 65 ? 'var(--gold)' : 'var(--amber)' }} />
{f.score}
))}
{t('det_risk_strengths')}
{strengths.map(s => (
{s}
))}
{t('det_risk_weakness')}
{weaknesses.map(s => (
{s}
))}
); } function DocsTab({ opp }) { const { lang } = useT(); const docs = lang === 'es' ? [ { name: 'Memoria informativa de la operación', size: '2.4 MB', date: '08 May 2025' }, { name: 'Documento informativo (KIID)', size: '480 KB', date: '08 May 2025' }, { name: 'Cuentas anuales auditadas 2024', size: '3.1 MB', date: '02 May 2025' }, { name: 'Contrato modelo (cesión de crédito)', size: '320 KB', date: '08 May 2025' }, { name: 'Informe de due diligence', size: '1.8 MB', date: '06 May 2025' }, { name: 'Certificado del registro mercantil', size: '210 KB', date: '02 May 2025' }, ] : [ { name: 'Operation information memo', size: '2.4 MB', date: '08 May 2025' }, { name: 'Key information document (KIID)', size: '480 KB', date: '08 May 2025' }, { name: '2024 audited annual accounts', size: '3.1 MB', date: '02 May 2025' }, { name: 'Standard contract (assignment)', size: '320 KB', date: '08 May 2025' }, { name: 'Due diligence report', size: '1.8 MB', date: '06 May 2025' }, { name: 'Trade registry certificate', size: '210 KB', date: '02 May 2025' }, ]; return (
{docs.map((d, i) => (
{d.name}
PDF · {d.size} · {d.date}
))}
); } function QATab({ opp }) { const { lang } = useT(); const qs = lang === 'es' ? [ { who: 'Inversor verificado #38', when: 'hace 2h', q: '¿Cuál es la previsión de cobro en caso de retraso del cliente final?', a: 'En caso de retraso superior a 15 días sobre la fecha de vencimiento, se activa el confirming bancario que cubre el 100% del nominal. La plataforma además mantiene un fondo de garantía propio para amortiguar desviaciones puntuales.' }, { who: 'Family Office Iberian Partners', when: 'hace 5h', q: '¿Existe la posibilidad de aumentar el ticket por encima de los importes mostrados?', a: 'Para tickets superiores a €50.000 ofrecemos un proceso de invitación privada con condiciones específicas. Contacta con tu gestor o escríbenos a private@dividis.capital.' }, ] : [ { who: 'Verified investor #38', when: '2h ago', q: 'What is the collection forecast in case of end-client delay?', a: 'If a delay exceeds 15 days from maturity, the bank confirming activates and covers 100% of the nominal. The platform also maintains a guarantee fund to absorb specific deviations.' }, { who: 'Family Office Iberian Partners', when: '5h ago', q: 'Is it possible to increase the ticket above the displayed amounts?', a: 'For tickets above €50,000 we offer a private invitation process with specific conditions. Contact your manager or write to private@dividis.capital.' }, ]; return (
{qs.map((it, i) => (
{it.who} · {it.when}
{it.q}
{it.a}
))}
); } window.OpportunityDetail = OpportunityDetail;