Juigne-sur-Sarthe Stockage — 6%/an · 18 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 · 30.0/75 (35.0 brut, red flags −5)

B1 · Instrument & Structure 9.0/10bon

B1.1: 5/5 - Simple obligations fixed rate, French law

B1.2: 3/3 - Dedicated société dédiée (SPV) distinct from Qair France

B1.3: 1/2 - Ranking not specified, future senior bank debt planned

B2 · Opérateur & Track record 12.0/15bon

B2.1: 4/4 - Louis Blanchard appointed, president Qair International

B2.2: 4/5 - Qair Group experienced, capacities not documented in file

B2.3: 2/3 - Enerfip history not documented in file

B2.4: 2/3 - Recent société dédiée (SPV), group accounts not provided

B3 · Garanties & Sûretés 7.0/15faible

B3.1: 6/9 - GAPD parent company plus pledge of 1st rank securities

B3.2: 1/4 - Qair France not financially assessed in file

B3.3: 0/2 - Future bank debt, no bank identified

B4 · Structure financière 2.0/15faible

B4.1: 2/5 - Storage without documented contracted revenues

B4.2: 0/4 - Equity N/A, capital of 30 €

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

B4.4: 0/2 - taux de couverture de la dette not documented, revenues not contracted

B5 · Pré-commercialisation 2.0/10faible

No information on revenue contract, licence or connection
Project assimilated to development phase (2/10)

B6 · Permis & Maturité 1.0/5faible

Status of licences and connection not communicated in file
Prudence applied (1/5)

B7 · Marché & Localisation 2.0/3

Energy storage market growing in France
Live data covers Montpellier real estate, deemed non-relevant for Sarthe project

Points forts

✓Enerfip platform licenced PSFP with excellent track record

✓Autonomous demand guarantee from parent company Qair France

✓1st rank pledge on 100% of SPV securities

✓Simple obligations at 6% per annum, return within renewable energy norm

✓Qair Group, identified international renewable energy developer

Risques identifiés

!Release of pledge provided for upon implementation of bank debt

!Financial strength of Qair France not documented in file

!Licence, connection and storage revenue model not specified

!Repayment dependent on bank refinancing not yet obtained

!Ranking of obligations referred to documentation not provided

⚠ Avertissement sur les risques

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