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 20260092

Avoid

score / 100

Yield

16%/yr

Duration

18 months

Min. ticket

500 €

Amount raised

100 k€

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À propos

Participating loan of 100,000€ at 16%/year over 18 months, financed 19%, backed by forestry land in Latvia held by FF Forest. Operator purchases deforested land, carries out felling, reforests to generate carbon credits and resells agricultural land. Secured by registration in Latvian commercial register, with buyback guarantee.

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 · 14.0/75 (17.0 brut, red flags −3)

B1 · Instrument & Structure 3.0/10faible

B1.1: 2/5 - Hybrid instrument (loan + buyback), unclear documentation

B1.2: 0/3 - Direct borrowing non-EU platform not recognised, structural opacity

B1.3: 1/2 - No known senior debt mentioned, de facto ranking

B2 · Opérateur & Track record 4.0/15faible

B2.1: 1/4 - 'Morgan Yvon Charles D.' mentioned, no verifiable public profile

B2.2: 1/5 - No documented forestry operations delivered, apparent start-up phase

B2.3: 0/3 - No history on any known platform

B2.4: 2/3 - No procedure identified, but financial statements unavailable

B3 · Garanties & Sûretés 4.0/15faible

B3.1: 3/9 - Forestry land registered in Latvian register, ranking and value not specified

B3.2: 1/4 - Guarantor (FF Forest) not financially evaluated

B3.3: 0/2 - No banking partner identified, project <€2M therefore not RF2

B4 · Structure financière 2.0/15faible

B4.1: 0/5 - Loan-to-Value (ratio prêt/valeur actif) not calculable, land collateral not valued in figures

B4.2: 0/4 - No documented operator equity contribution

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

B4.4: 2/2 - Model described with diversified revenues (timber, CO2, land)

B5 · Pré-commercialisation 1.0/10faible

Client portfolio data not provided
Project only 19% financed
No sales contract or harvest history documented

B6 · Permis & Maturité 1.0/5faible

Very recent activity, land registered in Latvian register but no complete legal documentation, forestry licences or verified authorisation provided

B7 · Marché & Localisation 2.0/3

Stable Latvian agricultural market, 2024 harvest up +15.5%
Active forestry sector but inflation and energy/fertiliser costs rising
Established market, not primary premium

⚠ 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%/year without real security of registered ranking inscribed and valued (collateral value not specified, ranking not confirmed) - deduction -3 points

Points forts

✓Forestry land registered in Latvian Commercial Register, legal trace existing.

✓Diversified business model (timber, CO2 credits, agricultural plot resale).

✓Latvian agricultural market in growth, 2024 crop up 15.5%.

✓Buyback guarantee announced, offering theoretical protection in case of default.

Risques identifiés

!Platform with no identifiable regulatory licence (PSFP, ECSP or EU equivalent).

!Operator not publicly verifiable; no documented track record on any platform.

!LTV of forestry collateral not quantified; value and ranking of security unknown.

!Rate of 16%/year without real security of registered first ranking inscribed and valued (RF10).

!Financial soundness of buyback guarantee not verifiable; FF Forest not evaluated.

⚠ Avertissement sur les risques

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