← Retour aux projets
Contribuer Au Developpement Du Groupe Photosol
LE
Lendosphere Renewable energy 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.

Contribuer Au Developpement Du Groupe Photosol

Very Strong
80
score / 100
Yield
6.0%/yr
Duration
48 months
Min. ticket
—
Amount raised
1 M€
Invest →
À propos

Bullet obligation over 4 years at 6% per annum issued by Photosol SAS, French holding specialised in development and operation of photovoltaic plants (633 MWc in operation as at 31/12/2025). Collection target 1 M€ (cap 2.5 M€) as part of global borrowing of 5 M€. Autonomous demand guarantee provided by RUBIS Photosol, subsidiary of quoted Rubis group.

Plateforme · 20.0/25
A1 · Statut réglementaire 8.0/8✓ max
  • agrément AMF licence AMF fonds propres-2023-22 in force since November 2023
  • Also registered statut réglementaire CIP and IFP with registre ORIAS
  • Maximum regulatory status achieved
A2 · Track Record 5.0/6bon
  • Default 0.0% → 6/6
  • Delay 0.35% (<5%) → 6/6
  • Actual vs announced return not explicitly communicated → 0/6
  • A2 = (6×0.5)+(6×0.3)+(0×0.2) = 4.8 → rounded to 5
A3 · Rigueur de sélection 2.0/4
  • Selection process mentioned implicitly (700 fundraisings over €400M, 0% default)
  • Selection rate not explicitly published in available data
A4 · Santé financière 3.0/4bon
  • Backed by 123 Investment Managers group since 2021, >10 years in existence (founded 2014), healthy growth, no platform distress signal
  • Non-listed institutional group → 3 pts
A5 · Protection investisseurs 2.0/3
  • agrément AMF licensed → 4-day reflection period + mandatory continuity plan (1 pt)
  • Lendopolis acquisition November 2024 suggests segregated payment infrastructure (1 pt)
  • Secondary market not documented (0 pt)
Projet · 60.0/75
B1 · Instrument & Structure 9.0/10bon
B1.1: 5/5 - Simple obligation fixed rate French law
B1.2: 3/3 - Direct issuance Photosol SAS, clear French law
B1.3: 1/2 - Rank not formally registered, no known senior debt
B2 · Opérateur & Track record 13.0/15bon
B2.1: 4/4 - Photosol Group identified, Rubis subsidiary, traceable management
B2.2: 5/5 - ≥50 MWc connected (1.4 GWc), 18 years in existence
B2.3: 2/3 - First transaction Lendosphere, multi-platform verifiable reputation
B2.4: 2/3 - No proceedings, subsidiary of quoted group (Rubis), sound balance sheet
B3 · Garanties & Sûretés 11.0/15
B3.1: 7/9 - Autonomous demand guarantee issued by RUBIS Photosol (bank/insurer not specified, Rubis group entity)
B3.2: 3/4 - Rubis quoted group, very substantial equity, gearing not specified but institutional solidity
B3.3: 1/2 - Global borrowing 5M€, banking partner unnamed
B4 · Structure financière 11.0/15
B4.1: 4/5 - Portfolio 633 MWc operated, PPA/regulated tariff revenues, estimated IRR 8-10%
B4.2: 3/4 - Rubis Group provides substantial equity capital, solid holding structure
B4.3: 3/4 - Contractualised revenues (PPA/regulated tariffs) provide -20% protection
B4.4: 1/2 - Holding taux de couverture de la dette not explicitly disclosed, estimated stable cash flows
B5 · Pré-commercialisation 8.0/10bon
  • Portfolio 633 MWc in operation with contractualised revenues, permits purged on existing assets, PPA and regulated tariffs documented
  • Development pipeline 5 GWc underway without future contract detail
B6 · Permis & Maturité 5.0/5✓ max

Activity established >15 years, 633 MWc in operation with all permits obtained, valid licences, documented and sound legal holding structure

B7 · Marché & Localisation 3.0/3✓ max
  • French renewable energy market in strong growth (18.84% CAGR, 32→78 GW by 2031), 20-year CfD preserving returns, Photosol leader favourably positioned
  • Score adjusted thanks to live data: market_trend=rising
Points forts
✓Photosol subsidiary of quoted Rubis group, proven institutional financial solidity.
✓633 MWc in operation, contractualised PPA and regulated tariff revenues.
✓Autonomous demand guarantee from RUBIS Photosol covering capital and interest - first rank guarantee.
✓18 years experience, zero default on Lendosphere platform, solid track record.
✓French solar market in strong growth (CAGR 18.84%), confirmed government support.
Risques identifiés
!Overall financing plan (equity/bank debt) not disclosed in the file.
!Autonomous demand guarantee issued by non-bank/approved insurer group entity - confirmed solidity but exact nature to verify.
!Network connection delays (>24 GW pending) may weigh on development pipeline.
!Minimum ticket not specified in published file.
!Partial collection (151,400 € out of 1 M€ target) at D-30, fill-up to monitor.
Score card
Score card — Contribuer Au Developpement Du Groupe Photosol
↓ Download
Voir toute l'analyse Lendosphere →
Autres projets sur Lendosphere
Accompagner le développement de VALREA à l'international - 2 Renewable energy 79/100 Projet Photovoltaique Courtine 2 A Avignon Renewable energy 77/100 Centrale Solaire Flottante De Chevenon Renewable energy 75/100 Projet Solaire de Courchelettes-Corbehem Renewable energy 74/100
⚠ 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.