West Brom stadium The Hawthorns

West Brom have a “contractual obligation” to pay a £1.2million loan fee for Filip Krovinovic despite him cutting short his time at the Hawthorns.

That is according to finance expert and new Football Insider columnist Kieran Maguire, speaking exclusively after the Benfica midfielder cancelled his deal with West Brom in order to join Nottingham Forest.

This site reported on 19 January that there was interest in the Croatian from the Championship side and a loan deal was finalised on Friday.

This was Krovinovic’s second loan stretch with West Brom after playing an integral role as the club won promotion to the Premier League in 2019-20.

But the former Croatia Under-21 man has played just 27 minutes across the last seven league fixtures in 2020-21.

Maguire explains that West Brom remain duty-bound to pay Benfica the full £1.2m for the 25-year-old’s services.

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He told Football Insider: “They’ve got a contractual obligation to pay that £1.2m loan fee. Which for six months of football doesn’t look great. 

“It’s not great, especially when it doesn’t work out in terms of football. You’ve only got to look at Shane Duffy at Celtic to see how this sort of loan deal can go wrong.

“You tend to think the risk is lower on a loan deal, but that’s not always the case. There are no guarantees.”

Krovinovic said it was “a pleasure to be back with my family” upon re-signing for the Baggies in September.

The Hawthorns club had an option to buy the midfielder for £15m at the end of the season, which they have now foregone.

In other news, a top pundit has had his say on a potential Baggies signing after a major Telegraph reveal.