BAUMONT BOHEMIA — 14.6%/an · 14 mois

Plateforme · 9.0/25

A1 · Statut réglementaire 3.0/8faible

A2 · Track Record 3.0/6

Stated default rate 0.1% (<1% → 6 pts base)
Delay rate >90 days not published → N/C → 0 pts
Real yield vs announced yield not verifiable (no audited report 2024) → N/C → 0 pts
Gross score: (6×0.5 + 0×0.3 + 0×0.2) = 3.0
No -2 penalty as default rate partially published

A3 · Rigueur de sélection 1.0/4faible

Selection rate not published
Process not documented publicly
Two documented cases of fraud/false information to investors (Estlat, Vibroedil) calling into question the rigour of the process
Established platform recognised in its niche but proven deficient selection

A4 · Santé financière 1.0/4faible

No audited financial report 2024 published (March 2026, delay justified by migration)
Small reserve fund and not transparent
Target yields 20%+ without verifiable solvency reserves
720% growth but suspect business model
No active distress signal but insufficient transparency for 2+ pts

A5 · Protection investisseurs 1.0/3faible

Projet · 37.0/75 (40.0 brut, red flags −3)

B1 · Instrument & Structure 8.0/10bon

B1.1: 5/5 - Simple obligation fixed rate, Czech/EU law

B1.2: 2/3 - Direct operator loan, well documented, EU law

B1.3: 1/2 - Priority ranking claimed, pledge of equipment provided but not formally registered as at date

B2 · Opérateur & Track record 7.0/15faible

B2.1: 2/4 - Tomáš Weis appointed, 100% owner, no verified LinkedIn profile

B2.2: 2/5 - Company active approximately 2 years, 15 years experience trade management, but SME less than 3 years in cyclical sector

B2.3: 1/3 - First Maclear operation, reputation not verified elsewhere

B2.4: 2/3 - No insolvency proceeding identified, young company, audited accounts not available

B3 · Garanties & Sûretés 5.0/15faible

B3.1: 4/9 - Pledge of equipment (purchased with loan) plus personal vehicle plus receivables; no mortgage or joint and several guarantee from holding

B3.2: 1/4 - Individual guarantor, patrimony partially documented via vehicle, fonds propres very weak

B3.3: 0/2 - No banking partner; BAUMONT BOHEMIA is not a licensed NBFI

B4 · Structure financière 8.0/15

B4.1: 3/5 - taux de couverture de la dette 2026: 293,642/54,375 = 5.4x (greater than 2.5 but young SME, unaudited cash)

B4.2: 0/4 - Zero operator fonds propres contribution, 100% debt financing

B4.3: 3/4 - ICR 5.4x in 2026, scenario -20% revenue maintains interest coverage

B4.4: 2/2 - Net margin 3.1-4.6%, taux de couverture de la dette greater than 2.0 on interest

B5 · Pré-commercialisation 6.0/10

B6 · Permis & Maturité 5.0/5✓ max

Service activity established since 2024, valid Czech registration, no building permits required for labour outsourcing
Legal documents in order, Posted Workers Directive licences respected

B7 · Marché & Localisation 1.0/3faible

Points forts

✓2026 contractual pipeline solid: 5 contracts signed out of 6 commitments, EUR 2.34M identified.

✓Rapid growth confirmed: Jan-May 2026 already exceeds 2025 annual revenue.

✓Zero prior financial debt, company non-leveraged before this loan.

✓Collateral coverage base value 128% of principal (equipment plus receivables).

✓Interest coverage 5.4x in 2026, comfortably above debt service.

Risques identifiés

!Company created October 2020, current model in place only since April 2024: very short track record.

!Tomáš Weis sole manager-owner: pronounced key-person risk, no documented succession.

!Pledges on equipment not yet formally registered as at file date.

!2027 pipeline 87% LOI only: elevated conversion risk, projected revenue highly uncertain.

!Maclear platform: documented fraud history (Estlat, Vibroedil), defective selection proven.