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Prestations informatiques - Helmes AS
BI
BienPrêter Invoice financing 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.

Prestations informatiques - Helmes AS

Average
55
score / 100
Yield
12%/yr
Duration
18 months
Min. ticket
—
Amount raised
1.5 M€
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À propos

Invoice financing of 1,490,000 € for Portuguese company Taking Choices (EURL, Matosinhos), within the framework of an IT services contract concluded with Helmes AS (Estonia, 101M€ revenue). The transaction covers a starter cash requirement over 18 months, repayable at maturity as contractual receipts are collected. Security: personal guarantee of manager plus payment delegation on Helmes AS flows.

Plateforme · 19.0/25
A1 · Statut réglementaire 8.0/8✓ max
  • agrément AMF AMF licence in force since 2023
  • Maximum applicable score
A2 · Track Record 5.0/6bon
  • Score adjusted through live data: default_score=6 (0.0% default), delay_score=6 (0.0% delay >90d)
  • Actual vs announced yield N/C → 0
  • A2=(6×0.5+6×0.3+0×0.2)=4.8→5
  • Official figures used in accordance with live data (delay_rate_pct=0.0%), but 2025-2026 controversy over masking of actual risk via equity compensation and refinancings noted in risks[]
A3 · Rigueur de sélection 2.0/4

Mention of a selection process on the site but selection rate not published and process not detailed in available data

A4 · Santé financière 2.0/4
  • Independent platform, agrément AMF licensed, operational
  • Operational incident Q4 2025 (Lemonway) resolved
  • Financial statements not public; controversy over default compensation practices
  • No active failure signal, but financial opacity and absence of institutional backing limit the score
A5 · Protection investisseurs 2.0/3
  • agrément AMF licensed → 4-day reflection period + continuity plan guaranteed (1pt)
  • Lemonway identified as third-party payment service provider, segregated funds (1pt)
  • No documented secondary market (0pt)
Projet · 36.0/75 (41.0 brut, red flags −5)
B1 · Instrument & Structure 8.0/10bon
B1.1: 5/5 - Invoice financing, direct instrument agrément AMF law
B1.2: 2/3 - Direct operator loan, recognised EU Portuguese law
B1.3: 1/2 - Payment delegation claimed, rank not formally registered
B2 · Opérateur & Track record 5.0/15faible
B2.1: 2/4 - Jérôme Kraffe appointed, no verifiable public profile
B2.2: 1/5 - EURL created 2022, real estate management activity, no documented IT history
B2.3: 0/3 - No history on Bienprêter or other platform
B2.4: 2/3 - Healthy balance sheet N-1 (gearing 0.15), no proceeding identified, limited data
B3 · Garanties & Sûretés 7.0/15faible
B3.1: 6/9 - Payment delegation on contractual receivable Helmes AS plus personal guarantee of manager not notarised
B3.2: 1/4 - Guarantor natural person, patrimony not evaluated
B3.3: 0/2 - No banking partner, project <2M€, no RF2
B4 · Structure financière 8.0/15
B4.1: 4/5 - Private debtor Helmes AS, solid (101M€ revenue, references Airbus/CERN), verifiable receivable
B4.2: 0/4 - Total dependence on crowdfunding, own contribution not documented
B4.3: 2/4 - Firm contract 2.4M€ vs 1.49M€ raised; coverage >1.6x structurally
B4.4: 2/2 - Revenue 2.02M€, net margin 10.5%, taux de couverture de la dette 41.1, positive cash position
B5 · Pré-commercialisation 8.0/10bon
  • Contract signed with Helmes AS (investment grade private debtor), structured purchase order with milestones and formalised payment conditions
  • Verifiable receivable on solvent documented debtor
B6 · Permis & Maturité 5.0/5✓ max

Activity established since 2022, contract in execution, legal documents in order, valid EURL legal structure in Portugal (EU)

B7 · Marché & Localisation 0.0/3faible
  • Class INVOICE: market not relevant for Pornic localisation
  • Evaluation on debtor quality: Helmes AS, solid Estonian IT private debtor
  • Stable IT services market but no geographic premium applicable
⚠ Alertes détectées · −5 pts déduits
Concentration débiteur élevée −5 pts

Debtor concentration at 100% on Helmes AS (sole debtor >80%) - class INVOICE.

Points forts
✓Debtor Helmes AS solid: 101M€ revenue, references Airbus, CERN, ESA.
✓Balance sheet N-1 of Taking Choices healthy: DSCR 41.1, gearing 0.15, net margin 10.5%.
✓Global contract 2.41M€ higher than requested financing of 1.49M€.
✓Payment delegation on contractual flows Helmes AS as main security.
✓Bienprêter platform licensed PSFP AMF, segregated funds via Lemonway.
Risques identifiés
!Taking Choices created in 2022, declared activity real estate management but IT contract: concerning sectoral inadequacy.
!No history delivered on platform and no documented IT track record for operator.
!100% concentration on single Estonian debtor, without registered real security or banking partner.
!Personal guarantee of manager not notarised, patrimony not evaluated: limited protection on 1.49M€.
!Bienprêter controversy on default compensation practices: official statistics 0% could mask real risk.
Score card
Score card — Prestations informatiques - Helmes AS
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⚠ 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.