Domaine de l'Ô — 11%/an · 18 mois

Plateforme · 19.0/25

A1 · Statut réglementaire 8.0/8✓ max

agrément AMF licence AMF fonds propres-2023-5 obtained June 2023, prior to mandatory deadline November 2023
Status currently valid

A2 · Track Record 4.0/6

Default 3.5% → 4.5pts
Delay 26.29% → 3pts (15-30%)
Realised yield ~9% compliant with announced → 6pts
Score: (4.5×0.5)+(3×0.3)+(6×0.2)=4.35, rounded to 4

A3 · Rigueur de sélection 2.0/4

Selection process mentioned, platform active since 2014 with +340 operations, but selection rate not published in available data

A4 · Santé financière 3.0/4bon

Independent platform active since 2014 (+10 years), recognised player in Europe, no platform distress signal identified
No documented institutional backing

A5 · Protection investisseurs 2.0/3

agrément AMF licence → 4-day reflection period + mandatory continuity plan (1pt)
Third-party payment service provider likely for agrément AMF (1pt)
Secondary market not documented

Projet · 54.0/75

B1 · Instrument & Structure 8.0/10bon

B1.1: 5/5 - Direct loan ECSP, clear French law

B1.2: 2/3 - Direct borrowing SCOT'IMMO, well documented French law

B1.3: 1/2 - First ranking mortgage announced not yet registered (land not yet executed)

B2 · Opérateur & Track record 10.0/15

B2.1: 4/4 - Joël LANSCOTTE appointed, identifiable founder

B2.2: 4/5 - >20 operations delivered in Hauts-de-France, solid track record

B2.3: 1/3 - Raizers history not documented in the file

B2.4: 1/3 - Share capital 2,000€ very low, 2025 balance sheet not numerically readable

B3 · Garanties & Sûretés 11.0/15

B3.1: 7/9 - First ranking mortgage in the process of registration (land not yet executed). Notarised GAPD SCCV plus notarised personal guarantee of manager

B3.2: 2/4 - SCCV holding operation, fonds propres and gearing not precisely verifiable

B3.3: 2/2 - Bank identified as stakeholder, no project bank credit mentioned

B4 · Structure financière 13.0/15bon

B4.1: 5/5 - Loan-to-Cost (ratio prêt/coût total) 28% (850K/3,041K), very low

B4.2: 4/4 - Land 686K€ plus fonds propres operator committed, crowd=28% only

B4.3: 3/4 - Very low Loan-to-Cost (ratio prêt/coût total) compensates for absence of formalised stress test

B4.4: 1/2 - Margin not communicated precisely but Loan-to-Value (ratio prêt/valeur actif) 19% comfortable

B5 · Pré-commercialisation 6.0/10

76% of turnover pre-commercialised (17/22 units), between 50-80% by reservations and mixed purchase agreements
Nature of deeds (reservations vs purchase agreements) not specified

B6 · Permis & Maturité 4.0/5bon

Building permit purged January 2026 (good point)
Land not yet executed as at dossier date (signature scheduled end July 2026) → 4/5 maximum (deed not executed)

B7 · Marché & Localisation 2.0/3

Calais, major port city 67,000 inhabitants, established residential market
Price/m² 2,852-3,662€ consistent with local market
Progressive recovery 2026 confirmed by live data

Points forts

✓Very low LTC at 28% - strong structural safety cushion.

✓76% of turnover pre-commercialised before construction starts.

✓Triple security: first ranking mortgage plus GAPD plus notarised personal guarantee.

✓Experienced developer, >20 operations delivered in Hauts-de-France.

✓Building permit purged since January 2026, permit risk eliminated.

Risques identifiés

!Land not yet executed as at dossier date - mortgage not registrable before signature.

!SCOT'IMMO share capital of 2,000€ only, limited own financial strength.

!Nature of pre-commercialisations (reservations vs purchase agreements) not specified.

!2025 balance sheet provided without readable numerical values - incomplete financial verification.

!Rate 11%/year at upper limit for RE-PROM; acceptable but to be monitored with confirmed guarantees.

⚠ Avertissement sur les risques

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