Le Golf T2 — 11.5%/an · 24 mois

Plateforme · 20.0/25

A1 · Statut réglementaire 8.0/8✓ max

agrément AMF licence AMF in force, licence fonds propres-2023-15 confirmed
Maximum score

A2 · Track Record 5.0/6bon

Default 0% → 6 pts
Delay 8.6% → 4.5 pts (range 5-15%)
Average return 11.7% gross in line with announcements → 6 pts
A2 = (6×0.5)+(4.5×0.3)+(6×0.2) = 3+1.35+1.2 = 5.55 → rounded 5.5

A3 · Rigueur de sélection 2.0/4

Mention of a selection process without published refusal rate or committee details
Mature platform 6 years, €325M collected

A4 · Santé financière 3.0/4bon

Independent platform, >5 years in operation, no operational distress signal
Modest share capital (€150K) but sound growth
No identified institutional shareholder

A5 · Protection investisseurs 2.0/3

Approved agrément AMF: 4-day reflection period + mandatory continuity plan (1 pt)
Segregated accounts presumed via third-party PSP (1 pt)
Secondary market not documented in available data (0 pt)

Projet · 27.0/75

B1 · Instrument & Structure 7.0/10

B1.1: 5/5 - Simple obligation fixed rate French law

B1.2: 1/3 - Issuer structure not specified, local law presumed

B1.3: 1/2 - Rank not formally registered, no known senior debt

B2 · Opérateur & Track record 5.0/15faible

B2.1: 1/4 - Operator not named in public document

B2.2: 2/5 - Experience not documented in accessible file

B2.3: 0/3 - No verifiable history on this platform

B2.4: 2/3 - No procedure identified but accounts not verifiable

B3 · Garanties & Sûretés 10.0/15

B3.1: 8/9 - Trust-security with notarial deed documented

B3.2: 1/4 - Guarantor solvency not assessable due to lack of financial data

B3.3: 1/2 - Banking partner not identified in file

B4 · Structure financière 2.0/15faible

B4.1: 0/5 - Loan-to-Cost (ratio prêt/coût total) not calculable, insufficient data

B4.2: 0/4 - Operator contribution not documented

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

B4.4: 2/2 - 24 month term and trust suggest viable structure; margin not disclosed, prudent score

B5 · Pré-commercialisation 2.0/10faible

Pre-commercialisation not documented in accessible file
Phase and progress undetermined
Prudent minimal score

B6 · Permis & Maturité 1.0/5faible

Land and permits not documented in public file
Progress status unknown
Minimal score

B7 · Marché & Localisation 0.0/3faible

Score adjusted based on live data: promotion immobilière market in decline documented (sales -20%+, stock +74%, demand down 4 consecutive years)
Montauban secondary market under pressure

Points forts

✓Trust-security guarantee with notarial deed, genuine first-rank protection.

✓Platform licensed PSFP AMF FP-2023-15, solid regulatory framework.

✓Yield 11.5% per annum with monthly payment, regular cash flows for investor.

✓Term limited to 24 months, temporal exposure controlled.

Risques identifiés

!Operator not identified in public file: experience and solvency not verifiable.

!RE-PROM market in sharp decline: sales -20%, stock +74%, demand down for 4 years.

!No financial data available: LTC, contributions, margin, stress test absent.

!Pre-commercialisation unknown on secondary market under pressure.

!Permits and construction progress not documented in accessible file.

⚠ 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.