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Forest Project 20260091
FF
FF Forest 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.

Forest Project 20260091

Avoid
22
score / 100
Yield
16.7%/yr
Duration
24 months
Min. ticket
500 €
Amount raised
100 k€
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À propos

Subordinated loan of 100 000 € over 24 months to FF Forest, Latvian sustainable forestry platform. FF Forest acquires undervalued forest land in Latvia, operates it, reforests it to generate carbon credits, then resells agricultural parcels. Loan is secured by forest land registered in Latvia's commercial register.

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 · 21.0/75 (24.0 brut, red flags −3)
B1 · Instrument & Structure 5.0/10
B1.1: 5/5 - Simple obligation fixed rate Latvian law
B1.2: 0/3 - Opaque borrower, poorly documented Latvian law, société dédiée (SPV) structure absent
B1.3: 0/2 - Rank not documented, possible senior debt not specified
B2 · Opérateur & Track record 3.0/15faible
B2.1: 1/4 - Entity 'FF Forest' named, publicly identified manager absent
B2.2: 1/5 - No documented delivered forestry operation, apparent first project
B2.3: 0/3 - No platform history nor other AMF platform
B2.4: 1/3 - No known proceeding but entity untraceable in registers
B3 · Garanties & Sûretés 5.0/15faible
B3.1: 5/9 - Forest land registered in Latvian Commercial Register, mortgage not formally registered at registrar
B3.2: 0/4 - Guarantor strength not assessable, balance sheets absent
B3.3: 0/2 - No identified banking partner, FF Forest not confirmed as licensed NBFI
B4 · Structure financière 3.0/15faible
B4.1: 2/5 - taux de couverture de la dette not disclosed, projected revenues absent, insufficient financial data
B4.2: 0/4 - No documented equity contribution
B4.3: 0/4 - No stress test presented
B4.4: 1/2 - Model of land resale and potential carbon credits potentially viable but not quantified
B5 · Pré-commercialisation 3.0/10faible
  • Client portfolio not documented, concentration unknown
  • No signed land sale or carbon credit contract presented
  • Model described but not supported by concrete data
B6 · Permis & Maturité 3.0/5
  • Forestry activity described as established, registration in Latvian Commercial Register mentioned
  • Specific forestry licences not confirmed in file
  • Prudent score owing to incomplete legal documents
B7 · Marché & Localisation 2.0/3
  • Latvian SME credit market growing (+18.6% in 2025), strong non-banking demand
  • Stagflationary risks and 2026 slowdown to monitor
  • Established market justifying 2/3
⚠ 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

Served rate 16.7%/year without formal rank 1 real security registered (Commercial Register registration ≠ registered mortgage) - deduction −3 points

Points forts
✓Guarantee over forest assets registered in Latvian Commercial Register
✓Latvian SME credit market documented as growing in 2025
✓Early exit option at 6 and 12 months offering investor flexibility
✓Forest economic model (carbon credits, agricultural resale) potentially viable
Risques identifiés
!FF Forest platform without identifiable regulatory licence (PSFP, ECSP, CIP, IFP or equivalent)
!Managers not publicly identified, insufficient operator traceability
!No financial data (balance sheets, DSCR, equity contribution) provided in file
!Yield 16.7%/year without mortgage formally registered at Latvian registrar
!No documented history of delivered operations, apparent first project on unlicensed platform
Score card
Score card — Forest Project 20260091
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