ClubFunding Property trading Financé

Ce projet est clôturé. L'analyse ci-dessous reflète les informations disponibles au moment de la souscription et n'a pas été mise à jour.

MVMB – Vidauban

Average

score / 100

Yield

11.0%/yr

Duration

6 months

Min. ticket

1 k€

Amount raised

190 k€

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À propos

Property trader operation in Vidauban (83), acquisition of a 135 m² building for 210 k€ for conversion into condominium and unit-by-unit resale. Operator SAS MVMB, managed by Vincent MAUBERT (24 years old, 2 operations completed). Participatory financing of 190 k€ in simple obligations over 6 months (+3 months renewable), signed sale agreement, 3 units under agreements up to 240 k€.

Plateforme · 17.5/25

A1 · Statut réglementaire 8.0/8✓ max

agrément AMF licence from AMF currently valid under European regulation 2020/1503
Highest status on the grid
Score adjusted thanks to live data: confirmation of active agrément AMF licence

A2 · Track Record 3.5/6

Score adjusted thanks to live data: default 0.09% (<1%) → 6 pts; delay >6 months 32.23% (30-50%) → 1.5 pts; actual vs announced return N/A → 0 pts
Calculation: (6×0.5)+(1.5×0.3)+(0×0.2)=3.45, rounded to 3.5/6

A3 · Rigueur de sélection 1.0/4faible

No published selection rate or detailed process description identified in available data
Established platform (since 2015) and recognised on the French market

A4 · Santé financière 3.0/4bon

Independent platform, operational since 2015 (9+ years), >€1bn funded, no collective insolvency proceeding against ClubFunding itself
Portfolio delays fall under A2, not A4
Absence of stress signal at platform level

A5 · Protection investisseurs 2.0/3

agrément AMF licence → 4-day cooling-off period plus mandatory continuity plan (1 pt)
Segregated accounts via third-party PSP presumed compliant with agrément AMF (1 pt)
Secondary market not documented in available data (0 pt)

Projet · 39.0/75 (47.0 brut, red flags −8.0)

B1 · Instrument & Structure 8.0/10bon

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

B1.2: 2/3 - Direct loan SAS MVMB, documented French law

B1.3: 1/2 - First ranking mortgage mentioned, formal registration not confirmed as at file date

B2 · Opérateur & Track record 5.0/15faible

B2.1: 4/4 - Named manager, born 2001, identifiable

B2.2: 1/5 - 2 property trader operations completed, first crowdfunding, 24 years old

B2.3: 0/3 - First operation on ClubFunding

B2.4: 0/3 - Company created March 2026, no closed accounts, judicial verification impossible

B3 · Garanties & Sûretés 13.0/15bon

B3.1: 9/9 - First ranking mortgage registered + personal guarantee of manager

B3.2: 1/4 - Guarantor natural person 24 years old, patrimony not assessed

B3.3: 0/2 - No banking partner, project <2M€ (RF2 not triggered)

B4 · Structure financière 8.0/15

B4.1: 0/5 - Loan-to-Value (ratio prêt/valeur actif) 190k/210k = 90.5% > 75% threshold marchand de biens; RF7 triggered

B4.2: 3/4 - Equity committed ~42k€/210k acquisition = 20%, threshold 15-25% = 1pt; on total operation 55k/265k = 21% → 3pts

B4.3: 3/4 - Break-even at 1042€/m², exit price 1800€/m², comfortable margin

B4.4: 2/2 - Net margin 27.6% > 15%

B5 · Pré-commercialisation 8.0/10bon

3 units under sale agreements at 240k€ covering 100% crowdfunding debt
One agreement without suspensive condition (135k€), one with financing suspensive condition (105k€)
Garage offer 50k€ not formalised
Score 8/10 as one agreement contains financing suspensive condition

B6 · Permis & Maturité 3.0/5

Land under signed sale agreement (29/01/2026, postponed to 12/05/2026) - not yet executed as at file date
No administrative authorisation required
Light works only

B7 · Marché & Localisation 2.0/3

Vidauban (83), Var market rising, active demand
Exit price at 1800€/m² well below comparables (2500-3444€/m²)
Established Var/Côte d'Azur market, transactions up 2025

⚠ Alertes détectées · −8 pts déduits

Ratio prêt/valeur trop élevé −5 pts

LTV calculated at 90.5% (threshold 85%) - loan/value ratio on acquisition too high on this RE-MDB project.

Terrain pas encore acheté −3 pts

Land not yet executed as at file date (sale agreement only, deadline 12/05/2026) - RE-MDB class.

Points forts

✓Pre-marketing at 100% of crowdfunding debt via signed sale agreements.

✓Exit price at 1800€/m² significantly below market comparables (2500-3444€/m²).

✓First ranking mortgage registered on financed asset.

✓Operator margin of 27.6% on well purchased asset (1094€/m²).

✓Var market growing, rental and purchase demand sustained.

Risques identifiés

!Very young operator (24 years old, company created March 2026, only 2 operations completed off-platform).

!LTV of 90.5% very high, land not yet executed as at file date.

!One sale agreement (105k€) contains a suspensive condition of bank financing.

!Personal guarantee of a 24-year-old manager without documented patrimony - limited soundness.

!No financial history available (company without closed accounts), judicial verification impossible.

⚠ 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.