Division Bertrand Béziers — Holding Chartier

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.

Division Bertrand Béziers — Holding Chartier

Average

score / 100

Yield

9%/yr

Duration

6 months

Min. ticket

10 €

Amount raised

222 k€

Invest →

À propos

Acquisition of 320 m² building (8 T2/T3 units) located 24 rue Bertrand, Béziers (34500) by HOLDING CHARTIER for division and resale by units without major works. Acquisition price: 240,000 €, estimated resale 361,000 €. Operation financed by 50,000 € equity contribution and 222,000 € bond placement, without bank financing. Land under signed agreement 13 May 2026, deed expected 13 August 2026.

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 · 45.0/75 (48.0 brut, red flags −3)

B1 · Instrument & Structure 8.0/10bon

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

B1.2: 2/3 - Direct loan SASU issuer, well documented

B1.3: 1/2 - First rank mortgage in course of registration (deed scheduled August 2026), not yet registered at the land registry

B2 · Opérateur & Track record 7.0/15faible

B2.1: 2/4 - Appointed manager (Mael Pierre Chartier), no verifiable public profile

B2.2: 2/5 - 4 years of activity marchand de biens Béziers, some transactions mentioned but not quantified

B2.3: 1/3 - First transaction on Bricks, reputation not verified on other AMF platforms

B2.4: 2/3 - No procedure identified, SASU capital 1,500 € very low, balance sheet not provided

B3 · Garanties & Sûretés 9.0/15

B3.1: 7/9 - HLPD 190,000 € + first rank conventional mortgage in course of registration on identified property

B3.2: 1/4 - Personal joint and several guarantee (electronic private deed), guarantor not financially assessed

B3.3: 1/2 - No bank credit (amount <2M €), interest escrow 6 months documented

B4 · Structure financière 12.0/15bon

B4.1: 3/5 - Loan-to-Value (ratio prêt/valeur actif) 61.5% on resale value (marchand de biens threshold 55-65% → 3 pts)

B4.2: 3/4 - fonds propres 50,000 € = 18.4% of total cost (threshold 15-25% → 1 pt marchand de biens) - recalibrated: equity 50k/272k=18.4%, i.e. 25-35% self-financed not achieved → 1 pt

B4.3: 4/4 - Gross margin 32.7%, withstands -20% turnover

B4.4: 2/2 - Gross margin 32.7% > 15% marchand de biens threshold

B5 · Pré-commercialisation 8.0/10bon

Registered offers 241,000 € out of 361,000 € total = 66.75% pre-marketed. marchand de biens file: >50% units under confirmed written offer → 8/10

B6 · Permis & Maturité 3.0/5

Land under signed agreement (13 May 2026), repetition of deed expected 13 August 2026
Not yet executed as of file date → marchand de biens score: land not yet executed
RF6 marchand de biens triggered

B7 · Marché & Localisation 1.0/3faible

Béziers: secondary market, accessible prices (~1,800-2,200 €/m²), first-time buyer demand present
Volumes declining (-38% 2022-2024), price corrections observed
Secondary market stable but low liquidity

⚠ Alertes détectées · −3 pts déduits

Terrain pas encore acheté −3 pts

Land not yet executed as of file date (RE-MDB) - signed agreement, deed expected 13/08/2026

Points forts

✓First rank mortgage (HLPD + conventional) covering entire bond financing.

✓Advanced pre-marketing: 66.75% of units under registered offer before completion.

✓High forecast gross margin (32.7%) providing significant cushion.

✓Interest escrow 6 months (11,000 €) securing debt service over entire duration.

✓No senior bank debt: bondholders in first rank creditor position.

Risques identifiés

!Land not yet executed: deed expected 13 August 2026, risk of sale annulment.

!SASU with capital of 1,500 €; financial solidity of guarantor (personal guarantee) not documented.

!Personal joint and several guarantee under electronic private deed, not notarised: limited procedural robustness.

!Béziers: transaction volumes down 38% (2022-2024), secondary market low liquidity.

!6 month duration very short to sell 8 units; any delay exposes default risk at maturity.

⚠ Avertissement sur les risques

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