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 20260093

Avoid

score / 100

Yield

15.5%/yr

Duration

12 months

Min. ticket

500 €

Amount raised

100 k€

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À propos

Participatory loan of 100,000 EUR over 12 months to FF Forest company to finance acquisition of deforested forestry land in Latvia, with reforestation and carbon credit generation. The loan is secured by forestry land assets registered in the Latvian Commercial Register. The project is currently financed at 10% (approximately 9,961 EUR).

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) poorly documented legally

B1.2: 1/3 - direct operator borrowing, Latvian law not detailed

B1.3: 1/2 - rank not formally registered, no known senior debt

B2 · Opérateur & Track record 2.0/15faible

B2.1: 1/4 - name 'Morgan Yvon Charles D.' present but without LinkedIn profile or specified function

B2.2: 0/5 - no documented forestry or agricultural experience

B2.3: 0/3 - no history on any platform

B2.4: 1/3 - no proceeding found but operator quasi-untraceable

B3 · Garanties & Sûretés 4.0/15faible

B3.1: 3/9 - forestry land registered in Latvian Commercial Register, but without documented mortgage rank or notarial deed provided

B3.2: 1/4 - guarantor financial soundness not evaluable

B3.3: 0/2 - no banking partner named

B4 · Structure financière 2.0/15faible

B4.1: 0/5 - Loan-to-Value (ratio prêt/valeur actif) not calculable, forestry collateral without provided valuation

B4.2: 0/4 - no documented equity contribution

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

B4.4: 2/2 - revenue model (land sale + carbon credits) described, but not quantified

B5 · Pré-commercialisation 1.0/10faible

Nascent platform activity, portfolio data not communicated
Partners Timbro and Apply named but without documented contracts or firm commitments
Minimal score

B6 · Permis & Maturité 3.0/5

Forestry activity in Latvia with Commercial Register registration
Legal documents partially in order according to file, but forestry exploitation licences not explicitly confirmed

B7 · Marché & Localisation 2.0/3

Stable Latvian agricultural market, documented productivity growth, 2024 harvest up 15.5%
Buoyant forestry sector with carbon credit demand
Moderate inflationary and energy risks

⚠ 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 - −10 pts

Rendement élevé sans garantie réelle −3 pts

Rate served 15.5% per annum without formally registered rank 1 real guarantee (registered mortgage or pledge absent from file) - -3 pts

Points forts

✓Forestry land registered in Latvian Commercial Register - basic traceability.

✓Stable Latvian agricultural market with rising productivity in 2024.

✓Operational partners named (Timbro, Apply) with defined specialities.

✓Diversified economic model (timber, carbon credits, agricultural land sale).

✓Buyback guarantee announced - partial protection in case of default.

Risques identifiés

!FF Forest platform without verifiable regulatory licence (PSFP, ECSP, Latvian FSC).

!Quasi-anonymous operator, no documented track record on any platform.

!Repayment conditional on future bank refinancing - uncovered contingency.

!Rate of 15.5% per annum without registered mortgage or provided registered pledge.

!Forestry collateral valuation absent - impossible to assess actual LTV.

⚠ 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.