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 20260090

Avoid

score / 100

Yield

16.7%/yr

Duration

24 months

Min. ticket

500 €

Amount raised

100 k€

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À propos

€100,000 loan to FF Forest to finance acquisition, management and resale of deforested forestry land in Latvia. Operator acquires undervalued plots, undertakes responsible harvesting, reforests to generate carbon credits, then resells agricultural plots to farmers. 24-month term with early exit options at 6 and 12 months.

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 · 18.0/75 (21.0 brut, red flags −3)

B1 · Instrument & Structure 4.0/10faible

B1.1: 2/5 - obligation convertible/loan without clearly qualified instrument, Latvian law not specified

B1.2: 1/3 - Direct operator borrowing, Latvian local law poorly documented in the file

B1.3: 1/2 - Rank claimed via Latvian commercial register registration, not formally registered as first-ranking mortgage

B2 · Opérateur & Track record 3.0/15faible

B2.1: 2/4 - One name (Morgan Yvon Charles D.) mentioned without verifiable public profile

B2.2: 0/5 - No documented agricultural/forestry experience, no history provided

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

B2.4: 1/3 - No procedure identified but operator untraceable in consulted registers

B3 · Garanties & Sûretés 6.0/15faible

B3.1: 6/9 - Pledge of forestry land registered at the Latvian Commercial Register; rank and value not specified

B3.2: 0/4 - No financial information on guarantor, assets not evaluated

B3.3: 0/2 - No banking partner identified; amount <€2M, RF2 not triggered

B4 · Structure financière 2.0/15faible

B4.1: 0/5 - Loan-to-Value (ratio prêt/valeur actif) not disclosed, land/forestry collateral without independent valuation provided

B4.2: 1/4 - No documented equity contribution; only mention of future bank refinancing raised

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

B4.4: 1/2 - No margin data or cash flow information disclosed

B5 · Pré-commercialisation 1.0/10faible

Very recent activity, no crop sale contract or CAP payment documented
No stable harvest history provided
Start-up phase without formalized commercial commitment

B6 · Permis & Maturité 3.0/5

Legal structure registered in Latvia, address provided, AML/KYC policy mentioned
Recent forestry activity but basic legal documents in order according to available elements

B7 · Marché & Localisation 2.0/3

Stable Latvian agricultural market, cereal yield growth +15.5% in 2024, active dairy exports
Inflation and energy risks noted but established market

⚠ 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 served 16.7%/year without confirmed registered first-ranking real guarantee (mortgage not formally registered) - deduction −3 pts

Points forts

✓Security registered at Latvian Commercial Register on real forestry asset

✓Early exit option at 6 and 12 months (investor flexibility)

✓Documented Latvian agricultural market growth (+15.5% yields 2024)

✓Buyback guarantee mentioned in the file

✓Blockchain traceability claimed for asset transparency

Risques identifiés

!Platform without identifiable regulatory licence; legal existence not confirmed in consulted registers

!Operator (Morgan Yvon Charles D.) without documented forestry or agricultural experience

!LTV absent: value of forestry land not evaluated by independent third party

!Rate of 16.7%/year high for AGRI class without formally registered first-ranking real guarantee

!No repayment history on this platform or elsewhere; 0% funding achieved at launch

⚠ 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.