ISY'HOME — Immeuble Boulevard Rodin, Issy-les-Moulineaux

Bricks Property trading 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.

ISY'HOME — Immeuble Boulevard Rodin, Issy-les-Moulineaux

Average

score / 100

Yield

9.0%/yr

Duration

12 months

Min. ticket

10 €

Amount raised

526 k€

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À propos

Property trader operation consisting of acquisition, restructuring and division of a 99.82 m² residential building into three 2-room units located at 55 boulevard Rodin, 92130 Issy-les-Moulineaux. Operator ISY'HOME (SIREN 934729344), managed by Matthieu Eyang Toulou, finances the operation through €526,000 of obligatory fundraising on Bricks, with €65,000 equity contribution. Prior declaration obtained June 2026, first lot pre-marketed, resale target €750,000 over 12 months.

Plateforme · 19.0/25

A1 · Statut réglementaire 8.0/8✓ max

agrément AMF licence in valid force, fonds propres-2023-8 licence
Maximum applicable score

A2 · Track Record 5.0/6bon

Default 0% → 6/6
Delay 5.38% (threshold 5-15%) → 4.5/6
Net return 7.78% vs 10% announced, gap 2.22pp below lower bound → 1.5/6
Weighted score: (6×0.5)+(4.5×0.3)+(1.5×0.2)=4.65 → rounded 5

A3 · Rigueur de sélection 2.0/4

Selection process not detailed publicly, selection rate not published
Implicit mention of a process via agrément AMF licence
Score 2/4

A4 · Santé financière 2.0/4

Independent platform in strong growth (141M€, no.1 FR 2025)
Forced stoppage 7 months (Dec 2022-Jul 2023) and registre ORIAS deletion resolved
No identified institutional shareholder
Viability confirmed but regulatory history weighs
Score 2/4

A5 · Protection investisseurs 2.0/3

agrément AMF licenced → mandatory reflection period 4 days + Capsens continuity plan documented → 1 pt
Segregated accounts legally mandatory under agrément AMF → 1 pt
Secondary market not mentioned → 0 pt

Projet · 40.0/75

B1 · Instrument & Structure 8.0/10bon

B1.1: 5/5 - Simple obligation fixed rate French law

B1.2: 2/3 - Dedicated société dédiée (SPV) ISY'HOME SAS capital €1, French law

B1.3: 1/2 - First ranking mortgage mentioned, formal registration not confirmed at file date

B2 · Opérateur & Track record 6.0/15faible

B2.1: 4/4 - Matthieu Franck Joseph Eyang Toulou appointed, 100% shares

B2.2: 1/5 - No documented property trader track record, SAS recently created

B2.3: 0/3 - No platform history identified

B2.4: 1/3 - Company capital €1, balance sheet not provided, gearing unknown

B3 · Garanties & Sûretés 10.0/15

B3.1: 7/9 - First ranking mortgage in process of registration on identified asset

B3.2: 1/4 - Joint and several guarantee under private deed, director's assets not evaluated

B3.3: 0/2 - No banking partner, 100% obligatory financing (project <€2M)

B4 · Structure financière 8.0/15

B4.1: 3/5 - Loan-to-Value (ratio prêt/valeur actif) 70.1% (threshold 55-65% → 3pts for marchand de biens)

B4.2: 1/4 - Equity contribution 11% of total cost (15-25% self-financed → 1pt marchand de biens)

B4.3: 2/4 - 10% discount covers fundraising, 20% discount insufficient

B4.4: 2/2 - Gross margin 26.9% > 15%

B5 · Pré-commercialisation 3.0/10faible

1 lot out of 3 pre-marketed (advance contract planned Sept 2026), without signed compromise or deed
Conditional commitment (buyer mortgage offer)
Written confirmation of interest → 3/10

B6 · Permis & Maturité 3.0/5

Land acquired (purchase €395,000), prior declaration obtained 8 June 2026 (facade)
Works not commenced
Co-ownership division approved at general meeting
No building permit but prior declaration obtained → 3/5

B7 · Marché & Localisation 2.0/3

Issy-les-Moulineaux, Hauts-de-Seine, bordering Paris 15th, established and liquid market for small 2-room units
Target prices consistent with local market
Market stable according to live data 2026

⚠ Alertes détectées · −5 pts déduits

Pas de financement bancaire −5 pts

No banking partner identified - amount €526,000 (<€2M, threshold not reached, not triggered)

Points forts

✓Prime location Issy-les-Moulineaux, bordering Paris, strong residential demand for 2-room units.

✓First ranking mortgage on identified asset, cover 120% of principal.

✓Projected gross margin 26.9%, above market standards.

✓Escrow 6 months of interest and escrow works €120,000 on invoices.

✓Prior declaration obtained, land acquired, operation well structured legally.

Risques identifiés

!Operator ISY'HOME without documented property trader track record or identifiable delivered operations.

!100% obligatory financing (89%), no banking co-financing, concentrated exposure.

!Share capital €1, balance sheet not provided, guarantor's financial solidity not assessable.

!Joint and several guarantee under electronic private deed, not notarised, uncertain enforceability.

!Partial pre-marketing (1/3 lots), lot 1 conditioned on buyer mortgage approval.

⚠ Avertissement sur les risques

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