FF Forest Agricultural loan 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.

Forest Project 20260084

Avoid

score / 100

Yield

15.5%/yr

Duration

12 months

Min. ticket

500 €

Amount raised

50 k€

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À propos

Participatory loan of €50,000 over 12 months to FF Forest company to finance acquisition and management of forest plots in Lithuania (purchase of deforested land, reforestation, carbon credits, agricultural resale). Operator based in Riga, Latvia. Project 100% financed, secured by forest land assets registered in Lithuanian commercial register.

Plateforme · 1.0/25

A1 · Statut réglementaire 0.0/8faible

AMF status not disclosed ('?')
No identifiable agrément AMF, ECSP, statut réglementaire CIP, IFP or equivalent EU licence in the registers consulted
RESEARCH REQUIRED: AMF register 'ff forest' + registre ORIAS + ESMA
Score 0/8 by principle of prudence
Would trigger RF5 (−10 pts) on any associated project

A2 · Track Record 0.0/6faible

No identifiable published statistics: default rate N/C, delay rate >90d N/C, actual vs announced return N/C
Penalty −2 pts applied + all base scores at 0
RESEARCH REQUIRED: 'ff forest' statistics platform default delay

A3 · Rigueur de sélection 0.0/4faible

No information on project selection process, selection rate, committee or borrower KYC identifiable
RESEARCH REQUIRED: 'ff forest' project selection process

A4 · Santé financière 0.0/4faible

No information on the financial health, shareholding or history of the platform
Impossible to confirm the legal existence of 'ff forest' in the available registers
Score 0 by prudence

A5 · Protection investisseurs 1.0/3faible

No agrément AMF/ECSP licence confirmed, therefore no automatic attribution of the regulatory point
1 pt awarded as minimal hypothetical credit if legal existence subsequently confirmed
RESEARCH REQUIRED: ff forest general conditions, fund segregation, secondary market

Projet · 13.0/75 (16.0 brut, red flags −3)

B1 · Instrument & Structure 3.0/10faible

B1.1: 2/5 - obligation convertible/structured loan unclear, Lithuanian law not specified

B1.2: 1/3 - Direct loan FF Forest, applicable law not documented

B1.3: 1/2 - Rank not formally registered, forest asset mentioned

B2 · Opérateur & Track record 3.0/15faible

B2.1: 1/4 - Name MORGAN YVON CHARLES D. mentioned, no verifiable public profile

B2.2: 1/5 - First visible operation, forestry experience not documented

B2.3: 0/3 - No platform history

B2.4: 1/3 - No identified proceedings but operator has low traceability

B3 · Garanties & Sûretés 3.0/15faible

B3.1: 2/9 - Forest asset mentioned, Lithuanian commercial register registration, but no formally documented mortgage or pledge

B3.2: 1/4 - Guarantor not evaluated financially

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

B4 · Structure financière 3.0/15faible

B4.1: 2/5 - Loan-to-Value (ratio prêt/valeur actif) not calculable, machinery/forest collateral without precise valuation

B4.2: 0/4 - No documented equity contribution

B4.3: 0/4 - No stress test, Loan-to-Value (ratio prêt/valeur actif) unknown

B4.4: 1/2 - Resale model credible but margins not quantified

B5 · Pré-commercialisation 1.0/10faible

No harvest sale contract, no documented harvest history
Project in start-up phase, no contractualised sales

B6 · Permis & Maturité 1.0/5faible

Activity very recent, no licence or detailed legal documents provided
Lithuanian commercial register registration mentioned but not verifiable in the file

B7 · Marché & Localisation 2.0/3

Latvian agricultural market rising: +16.1% cereal harvest 2024, agricultural land price advancing
Geopolitical risks (Ukraine/Russia) and demographic risks noted

⚠ Alertes détectées · −3 pts déduits

Plateforme non régulée Déjà comptabilisé dans le score plateforme (A1)

FF Forest platform without any verifiable PSFP/ECSP/CIP/IFP licence - deduction −10 points

Rendement élevé sans garantie réelle −3 pts

Rate paid 15.5%/year without registered real security (formalised mortgage or pledge absent) - deduction −3 pts

Points forts

✓Latvian forest and agricultural market documented growth (harvest +16.1% in 2024).

✓Tangible asset (forest land) mentioned as security with registration in Lithuanian register.

✓Early exit option at 6 months planned (partial liquidity).

✓Carbon credits model potentially promising medium-term.

✓Buyback guarantee announced - additional protection if solvency confirmed.

Risques identifiés

!FF Forest platform without identifiable PSFP, ECSP or equivalent EU licence - major regulatory risk.

!Operator MORGAN YVON CHARLES D. not verifiable in available public registers.

!No registered mortgage or pledge on documented forest asset.

!Rate of 15.5%/year without formalised real security - RF10 triggered.

!Geographic inconsistency: operator Riga, asset Lithuania, register mentioned variously as Lithuanian then Latvian.

⚠ Avertissement sur les risques

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