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Plantade Laclau 2
EN
Enerfip Renewable energy 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.

Plantade Laclau 2

Average
56
score / 100
Yield
6.5%/yr
Duration
54 months
Min. ticket
10 €
Amount raised
280 k€
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À propos

Crowdfunded bond financing for a ground-mounted solar plant of 2.3 MWc in Tarn (department 81), carried by AFD15 company, subsidiary of Amarenco group. The project is winner of a CRE tender (2024 session), guaranteeing a regulated buy-back tariff. Crowdfunded financing is a requirement of the tender specification. Simple bullet obligations over 4.5 years at 6.5% per annum.

Plateforme · 23.0/25
A1 · Statut réglementaire 8.0/8✓ max
  • agrément AMF licence AMF currently valid, fonds propres-2022-2 licence verified
  • Maximum score
A2 · Track Record 6.0/6✓ max
  • Default rate 0.00% → 6/6
  • Delay rate 0.32% (<5%) → 6/6
  • Average realised return 7.95% compliant with announced renewable energy range (5-9%) → 6/6
  • A2 = (6×0.5 + 6×0.3 + 6×0.2) = 6/6
A3 · Rigueur de sélection 3.0/4bon
  • Documented selection process (published risk score 2/5, internal committee), but overall selection rate not explicitly published
  • Leading renewable energy platform in France since 2014, 537 projects financed
A4 · Santé financière 3.0/4bon
  • Independent profitable platform (net income approximately 600K€ 2022), more than 10 years in existence, 30-50 employees, consistent growth
  • Acquisition of Lumo end of 2025
  • No listed institutional shareholder → 3 points vs 4 points for group subsidiary
A5 · Protection investisseurs 3.0/3✓ max
  • agrément AMF licence → reflection period 4 days plus mandatory continuity plan (1 point)
  • Segregated accounts required by agrément AMF status (1 point)
  • Enerdeal secondary market operational since 2023 (1 point)
Projet · 33.0/75 (38.0 brut, red flags −5)
B1 · Instrument & Structure 8.0/10bon
B1.1: 5/5 - Simple obligation fixed rate, French law
B1.2: 2/3 - Direct loan AFD15 dedicated société dédiée (SPV), French law
B1.3: 1/2 - Senior ranking claimed, no known senior debt, not registered
B2 · Opérateur & Track record 8.0/15
B2.1: 4/4 - Alexis Venet appointed, CV attached, Amarenco group identifiable
B2.2: 2/5 - Renewable energy group active but connected capacity not documented in file
B2.3: 1/3 - First Enerfip transaction identified, known group
B2.4: 1/3 - Negative equity on AFD15, normal société dédiée (SPV) project file but negative equity
B3 · Garanties & Sûretés 0.0/15faible
B3.1: 0/9 - No guarantee or security explicitly documented
B3.2: 0/4 - No guarantor identified
B3.3: 0/2 - No banking partner mentioned, amount <2M€
B4 · Structure financière 8.0/15
B4.1: 4/5 - CRE tender winner, regulated tariff applicable, IRR not communicated but tariff guaranteed
B4.2: 0/4 - No operator equity contribution documented, AFD15 equity negative
B4.3: 2/4 - Loan-to-Cost (ratio prêt/coût total) not calculable, regulated tariff structurally offsets
B4.4: 2/2 - Revenues contractualised via tender, taux de couverture de la dette implicitly >1.2
B5 · Pré-commercialisation 8.0/10bon

Permit purge not confirmed but CRE tender winner November 2024 + regulated tariff applicable → 8/10

B6 · Permis & Maturité 4.0/5bon
  • CRE tender winner confirmed November 2024, guaranteed tariff
  • Permit obtained probable but purge not confirmed in file → 4/5
B7 · Marché & Localisation 2.0/3
  • French renewable energy market in growth, regulated tariff secured
  • Underlying slowdown and dependency on Asian modules noted
  • Score adjusted thanks to live data: market rising but supply chain constraints and summer overproduction flagged → 2/3
⚠ Alertes détectées · −5 pts déduits
Aucune garantie réelle sur ce projet −5 pts

No security nor personal guarantee documented on this ENERGY project of €280,000 - total absence of security confirmed by document (section D-f)

Points forts
✓CRE tender winner November 2024 - regulated tariff guaranteed for project duration.
✓Enerfip platform leading renewable energy France, zero historical default.
✓Simple senior obligation instrument, French law, accessible ticket (€10).
✓French renewable energy market in growth with solid connection pipeline.
Risques identifiés
!No guarantee or security of any kind documented - total loss possible without recourse.
!AFD15 equity negative (-105K€ in 2025), SPV structure without own capitalisation.
!Amarenco connected capacity and track record not quantified in file.
!Early exit impossible via Enerdeal for this specific project.
!Dependency on Asian photovoltaic modules - risk of construction cost increase.
Score card
Score card — Plantade Laclau 2
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⚠ Avertissement sur les risques

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