A /100 score built on 12 factual, verifiable criteria. No opinion, no affiliation. Only data from public sources and documents submitted by platforms.
The score is calibrated so that solid projects in the current market score between 65 and 80 points. A score > 80 signals exceptional quality; a score < 50 indicates significant risks.
Certain signals trigger a direct deduction from the score, regardless of other criteria. A cumulative penalty > 20 points results in the verdict Avoid.
Note on insolvency: the insolvency penalty applies only to a collective insolvency proceeding opened by a court against the operator itself (sauvegarde, redressement judiciaire, liquidation judiciaire or a local equivalent), and only when a primary source confirms it. Administrative, commercial, tax, employment, civil or criminal litigation is not an insolvency proceeding, even where the ruling is unfavourable to the operator; nor is a court describing a company as being "in difficulty" for the purposes of an aid scheme. Such matters are scored under operator verification and financial health, and never trigger an automatic disqualification. Where we cannot confirm a proceeding against a primary source, no penalty is applied.
Note on equity operations: some offerings are capital increases (ordinary or preference shares) rather than loans. For these, the guarantees criterion does not score real security, which equity never carries, but the quality of contractual investor protections (liquidity preference, anti-dilution, tag-along, governance and information rights, exit mechanism), and the financial criterion assesses valuation, dilution and runway rather than LTV or DSCR. A target IRR is not an annual interest rate and a liquidity horizon is not a contractual maturity, so neither is presented as such.
Note on high yields: a rate > 14%/yr is flagged as a point of attention but does not trigger an automatic penalty. A high yield may be justified by strong guarantees (first-rank mortgage, low LTV). The RF10 penalty only applies if the rate exceeds 15% and the project has no registered real security.
CrowdPickr is an independent information service. We receive no affiliate commission and have no paid partnership with any platform we analyse. Scores are based on public documents and data submitted by platforms. They reflect information available at the date of analysis and may change.
This service does not constitute personalised investment advice. Any crowdfunding investment carries a risk of partial or total loss of capital. Consult an independent financial adviser before making any significant investment decision.