VERNAY 3 - Reprise fonds de commerce AvivA Cuisines Melun

PretUp Business lending 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.

VERNAY 3 - Reprise fonds de commerce AvivA Cuisines Melun

Average

score / 100

Yield

9.75%/yr

Duration

24 months

Min. ticket

—

Amount raised

64 k€

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À propos

Acquisition of a kitchen sales business goodwill under AvivA Cuisines franchise in Melun (77). Operator: Jonathan Vernay, director of VERNAY Group with 2 existing stores (Brie-Comte-Robert 2021, Bry-sur-Marne 2024). Targeted store: 440m² at Champs de Foire shopping centre, created 2020. Planned team: 5 employees + director.

Plateforme · 21.0/25

A1 · Statut réglementaire 8.0/8✓ max

agrément AMF licence AMF fonds propres-2024-7 currently valid verified - EU Regulation 2020/1503 fully compliant

A2 · Track Record 4.5/6bon

Score adjusted using live data: default rate 2.16% → 4.5/6 (default base), delay rate 6.26% → 4.5/6 (delay base), return not disclosed → 3/6
Weighted average: (4.5×0.5 + 4.5×0.3 + 3×0.2) − 2 pts (no published actual return statistics) = 4.5/6

A3 · Rigueur de sélection 2.0/4

Documented verification process (completeness, accuracy, clarity) without published selection rate or detailed committee

A4 · Santé financière 3.5/4bon

Score adjusted using live data: subsidiary Partners Finances/Mentor (>25 years financial solutions), agrément AMF licence 2024, revenues €665K (+10% YoY), net profit €16.9K (−71% YoY)
Limited decline on sustainability but solid parent group partially compensates

A5 · Protection investisseurs 3.0/3✓ max

Reflection period 4 days documented (agrément AMF mandatory) - 1 pt
Continuity plan implicit regulation ECSP - 1 pt
Payment service provider LemonWay identified (segregated accounts) - 1 pt

Projet · 32.0/75 (37.0 brut, red flags −5)

B1 · Instrument & Structure 8.0/10bon

B1.1: 5/5 - Direct agrément AMF simple loan, fixed rate 9.75%, clear French law

B1.2: 2/3 - Direct borrowing SAS VERNAY 3, well documented

B1.3: 1/2 - Unsecured bond without known senior debt, de facto 1st rank but not registered

B2 · Opérateur & Track record 10.0/15

B2.1: 4/4 - Director Jonathan Vernay appointed (born 29/09/1985, President SAS VERNAY 3)

B2.2: 4/5 - SME >3 years retail sector, 2 AvivA stores opened (2021, 2024), commercial director 9 points of sale

B2.3: 0/3 - First PretUp transaction, no platform history

B2.4: 2/3 - No proceedings identified, balance sheet not provided but established activity, holding SUZ AND CO present

B3 · Garanties & Sûretés 7.0/15faible

B3.1: 5/9 - Joint and several guarantee SAS SUZ AND CO (holding presumed capitalised) + personal guarantee of director

B3.2: 2/4 - Holding SUZ AND CO holds 100% VERNAY 3, balance sheets not provided, situation presumed healthy without verifiable data

B3.3: 0/2 - No banking partner identified, amount €64K <€2M therefore no RF2

B4 · Structure financière 2.0/15faible

B4.1: 0/5 - taux de couverture de la dette not calculable, no projected cash flow provided

B4.2: 0/4 - Equity contribution not documented in file

B4.3: 0/4 - No stress test presented, Loan-to-Value (ratio prêt/valeur actif) not calculable

B4.4: 2/2 - Experienced kitchen retail operator, 2 stores launched successfully implies functional cash flow

B5 · Pré-commercialisation 5.0/10

SME-NBFI class grid: Acquisition of existing business goodwill created 2020, 440m² established shopping centre, AvivA franchise national recognised network, presumed established customer base → 5/10

B6 · Permis & Maturité 3.0/5

SME-NBFI class: Existing business goodwill since 2020, established activity >2 years, commercial licences presumed compliant (AvivA franchise national network) → 3/5

B7 · Marché & Localisation 2.0/3

Score adjusted using live data: Kitchen retail market Melun (40K inhabitants), established shopping centre, AvivA franchise national network
Stable commercial market (live data: turnover recovery, +11% transactions YoY), but secondary medium zone → 2/3

⚠ Alertes détectées · −5 pts déduits

Aucune garantie réelle sur ce projet −5 pts

No registered real security on this €64K SME loan - solely personal and joint and several guarantees, absence of mortgage/pledge/trust on identifiable asset

Points forts

✓Director experienced in kitchen sector: 2 AvivA stores launched 2021-2024, former commercial director 9 points of sale

✓Acquisition of established business goodwill (created 2020) with existing customer base, recognised national franchise

✓PretUp platform licensed PSFP AMF FP-2024-7, subsidiary Partners Finances/Mentor group >25 years experience

✓Holding SUZ AND CO holds 100% VERNAY 3, joint and several guarantee + personal guarantee of director

✓Modest amount €64K over 24 months, short duration limits temporal risk exposure

✓Location Champs de Foire shopping centre Melun, major commercial activity zone in 40K inhabitant city

Risques identifiés

!Complete absence of projected financial data: DSCR not calculable, cash flow statement not provided, equity contribution not documented

!Total absence of registered real security (mortgage, pledge) - solely personal and joint and several guarantees (RF8 −5 pts)

!First PretUp transaction for this operator: no verifiable repayment history on this platform

!Balance sheets of holding SUZ AND CO not provided: impossibility of evaluating financial strength of guarantor

!No banking partner identified: absence of independent external validation of project

!PretUp delay rate 6.26% and default rate 2.16% (live data March 2026) - above sector average

!PretUp Trustpilot rating 3.8/5 signals investor concerns on project quality and delays

!Disappearance of PretUp lender insurance May 2025 - investor protection reduced versus history

!PretUp net profit −71% last period despite +10% revenues - vigilance on platform financial health

!Physical retail sector exposed to e-commerce competition and evolution in consumer habits

⚠ Avertissement sur les risques

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