JLT Invest — 7%/an · 60 mois

Plateforme · 22.0/25

A1 · Statut réglementaire 8.0/8✓ max

agrément AMF licence granted by AMF on 6 December 2022 (fonds propres-2022-2), registre ORIAS n°15003274
Status fully compliant, currently valid

A2 · Track Record 6.0/6✓ max

Default 0.8% (<1% → 6 pts×0.5=3.0)
Delay 0.8% (<5% → 6 pts×0.3=1.8)
Realised yield ~5.9% compliant with announced ranges → 6 pts×0.2=1.2

A3 · Rigueur de sélection 3.0/4bon

RES selection process documented and recognised (technical, legal, financial due diligence)
Selection rate not explicitly published in available data

A4 · Santé financière 3.0/4bon

Independent platform founded in 2014 (>10 years), no distress signals
Active European expansion (Spain, Italy, Netherlands)
Fund launch 2026
No direct institutional backing

A5 · Protection investisseurs 2.0/3

agrément AMF licensed → mandatory 4-day reflection period + continuity plan (1 pt)
Segregated accounts via third-party payment service provider Mangopay (1 pt)
No operational secondary market identified (0 pt)

Projet · 20.0/75 (30.0 brut, red flags −10)

B1 · Instrument & Structure 7.0/10

B1.1: 5/5 - Simple obligation fixed rate 7%, French law

B1.2: 2/3 - Direct loan from holding, no société dédiée (SPV)

B1.3: 0/2 - Explicitly junior rank in the FICI

B2 · Opérateur & Track record 12.0/15bon

B2.1: 4/4 - Lionel Thémine appointed representative, CV in appendix

B2.2: 4/5 - Significant renewable energy group, MWp not documented

B2.3: 2/3 - Group known on Enerfip, issuer new

B2.4: 2/3 - No proceeding, accounts not audited, high indebtedness

B3 · Garanties & Sûretés 0.0/15faible

B3.1: 0/9 - No guarantee or security according to the FICI

B3.2: 0/4 - No guarantor

B3.3: 0/2 - No identified banking partner

B4 · Structure financière 2.0/15faible

B4.1: 2/5 - Target IRR and PPA not documented, negative EBIT

B4.2: 0/4 - Equity committed N/A

B4.3: 0/4 - No stress test presented

B4.4: 0/2 - taux de couverture de la dette not calculable, result before interest negative

B5 · Pré-commercialisation 4.0/10faible

Portfolio not detailed
Revenue of 7.8 M€ suggests operating plants
PPA, rates and grid connections are not documented

B6 · Permis & Maturité 3.0/5

No information on permits or grid connections of financed plants
Operating activity exists (revenue 2023-2024)
Caution applied

B7 · Marché & Localisation 2.0/3

Renewable energy market in France buoyant
Live data concerns commercial real estate in Morcenx, off-topic
Location of assets not specified

Points forts

✓Enerfip platform licensed PSFP AMF, excellent track record

✓Simple obligation fixed rate 7%, French law

✓Diversified renewable energy group: solar, wind, storage, biogas

✓Total consolidated assets of 184.5 M€ in 2024

✓Identified manager and responsible for the FICI

Risques identifiés

!Obligations explicitly junior, subordinated to net debt of 73.5 M€

!No guarantee or security; risk of total loss in case of insolvency

!Result before interest negative; net profit higher than revenue, to be clarified

!Use of funds not detailed; no financed asset identified

!Maturity of 5 years, no secondary market nor repurchase commitment

⚠ Avertissement sur les risques

Investir en crowdfunding comporte un risque de perte partielle ou totale du capital, ainsi qu'un risque d'illiquidité. Selon le baromètre France FinTech / Forvis Mazars 2025, 25 à 30 % des projets accusent un retard de plus de 6 mois et 4 à 6 % entraînent une perte définitive. Ne placez jamais plus de 5 à 10 % de votre patrimoine en crowdfunding et diversifiez sur au moins 10 projets. CrowdPickr est un service d'information indépendant, non agréé en tant que conseiller en investissement. Les analyses présentées ne constituent pas un conseil en investissement personnalisé.