Lita Equity investment 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.

1001PACT BioUpp

Fragile

score / 100

Min. ticket

—

Amount raised

1.8 M€

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À propos

Capital investment in BioUpp, French deeptech startup founded October 2024, developing biomethanation units to increase biogas production. The raising targets 3 M€ in capital (of which 1.3 M€ secured) via an SAS with variable capital created by 1001PACT. The transaction is conducted via subscription of preference shares in a dedicated SPV on the Lita.co platform.

Plateforme · 19.0/25

A1 · Statut réglementaire 8.0/8✓ max

agrément AMF licence AMF fonds propres-2023-27 obtained on 10/11/2023, currently valid
Maximum score

A2 · Track Record 3.0/6

Default 7.05% → 3pts (threshold 3-7%)
Delay >6 months 17.91% → 3pts (threshold 15-30%)
Net yield 5.14% vs announced 7-10%: shortfall 1.86pp below lower bound → 3pts
A2 = (3×0.5)+(3×0.3)+(3×0.2) = 3.0/6

A3 · Rigueur de sélection 3.0/4bon

Published selection rate at ~5% (<20%), precise figure provided (fewer than 200 of 3500 applications)
Process description partial, without committee detail or documented borrower KYC

A4 · Santé financière 3.0/4bon

Independent platform operating in France, Belgium and Italy, active since ~2014 (>5 years)
No platform distress signal identified
No known institutional shareholder

A5 · Protection investisseurs 2.0/3

agrément AMF licence → 1pt reflection period 4 days + continuity plan (mandatory)
Segregated accounts presumed compliant with ECSP regulation → 1pt
No secondary market mentioned → 0pt

Projet · 20.0/75 (25.0 brut, red flags −5)

B1 · Instrument & Structure 3.0/10faible

B1.1: 1/5 - Equity / preference shares SAS with variable capital

B1.2: 2/3 - Dedicated société dédiée (SPV) 1001PACT BioUpp, clear French law

B1.3: 0/2 - Rank explicitly subordinated to other BioUpp shareholders, no security

B2 · Opérateur & Track record 8.0/15

B2.1: 3/4 - Nadia Auclair CEO, Pierre Fontanille CTO co-founders appointed, likely LinkedIn profiles

B2.2: 2/5 - Startup created Oct 2024, experienced team (Carbiolice, Limagrain) but 0 industrial sales delivered

B2.3: 0/3 - First operation on 1001PACT/lita.co

B2.4: 3/3 - RCS Clermont-Ferrand clean, recent company, no proceeding identified

B3 · Garanties & Sûretés 1.0/15faible

B3.1: 0/9 - No real security or pledge; pure equity instrument

B3.2: 0/4 - No guarantor identified, startup not capitalised

B3.3: 1/2 - 1.3 M€ non-dilutive BPI + confirmed bank debt but bank identity not disclosed

B4 · Structure financière 5.0/15faible

B4.1: 0/5 - Pre-revenue startup, taux de couverture de la dette nil, no revenue figure 2026

B4.2: 3/4 - 1.3M€ equity secured out of 3M€ raising (~43% self-funded)

B4.3: 0/4 - No stress test, no existing revenue

B4.4: 2/2 - Financial plan projects revenue 2.7M€ in 2027 with potential industrial margins >15%

B5 · Pré-commercialisation 3.0/10faible

B5: 3/10 - 2 LOIs signed (Agriopale, Agramétha/GRDF) + 1 signed order; concentration <20 clients; portfolio data sparse for SME-NBFI early stage

B6 · Permis & Maturité 3.0/5

B6: 3/5 - Beginning activity (<2 years, Oct 2024), i-Lab winner and Women TechEU, SAS legal structure in course of RCS Clermont-Ferrand registration, legal documents in progress

B7 · Marché & Localisation 2.0/3

B7: 2/3 - EU biogas/biomethanation market in strong growth (objective -40% imported gas 2030), 1548 methanisation units in France, established French RES segment with strong institutional support

⚠ Alertes détectées · −5 pts déduits

Aucune garantie réelle sur ce projet −5 pts

No real or personal security on this 1.8 M€ equity project - preference share instrument with no security whatsoever

Points forts

✓Founding team experienced with 25 years in industrial bioprocesses.

✓i-Lab 2024 winner and Women TechEU 2025, strong institutional recognition.

✓1.3 M€ non-dilutive BPI + banks already secured before raising.

✓EU biogas market in strong growth, regulatory support France 2030.

✓Patented technology validated at 2 scales, partnerships GRDF and ENGIE.

Risques identifiés

!Nature of operation: capital investment (shares), not a loan. The displayed score was calculated using the debt grid, which scores under B3 real guarantees that a capital investment does not have by construction. This score is therefore structurally penalising and under review with the capital grid (contractual protections, valuation, dilution, exit mechanism).

!Pure equity instrument with no security; risk of total loss of capital.

!Startup created October 2024, no revenue or industrial delivery.

!Near-zero liquidity: inalienability 10 years except with president consent.

!Dependence on future raisings (5 M€ then 8-10 M€) to reach profitability.

!Investor exit conditional on uncertain and unplanned full sale.

⚠ 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.