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 20250002

Avoid

score / 100

Yield

18.0%/yr

Duration

24 months

Min. ticket

500 €

Amount raised

30 k€

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À propos

Investment in portfolio of 12 hectares of forestry land in Latvia via FF Forest platform. Operator purchases cleared land, conducts forestry operations and reforestation to generate carbon credits. Loan of €30,000 over 24 months at 18%/year, 100% financed, with operational partner Timbro (Latvian forestry management).

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 · 18.0/75 (21.0 brut, red flags −3)

B1 · Instrument & Structure 4.0/10faible

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

B1.2: 1/3 - Latvian law, applicable law clause absent

B1.3: 1/2 - Land guarantee claimed, rank not formally registered as at filing date

B2 · Opérateur & Track record 4.0/15faible

B2.1: 2/4 - Director appointed (Morgan Yvon Charles D.) with no identifiable public profile

B2.2: 1/5 - First documented transaction, partner Timbro adjacent

B2.3: 0/3 - No history on this platform or other

B2.4: 1/3 - No proceeding identified but entity not verifiable in accessible registers

B3 · Garanties & Sûretés 4.0/15faible

B3.1: 4/9 - Land guarantee registered at Latvia Commercial Register, rank not specified (unregistered mortgage guarantee confirmed)

B3.2: 0/4 - Guarantor solvency not assessable, no financial data FF Forest

B3.3: 0/2 - No banking partner, project <€2M therefore RF2 not triggered

B4 · Structure financière 3.0/15faible

B4.1: 2/5 - Loan-to-Value (ratio prêt/valeur actif) not calculable, land/forestry collateral without independent valuation attached; prudence 2 pts

B4.2: 0/4 - No equity contribution documented, financing 100% crowd

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

B4.4: 1/2 - Multiple revenue streams mentioned (timber, CO2 credits, resale) but not contractualised

B5 · Pré-commercialisation 1.0/10faible

Class AGRI: first documented cycle, no crop sale contract or stable harvest history
Timbro partnership mentioned but no contract attached
1 pt for start-up with partnership structure

B6 · Permis & Maturité 3.0/5

Forestry activity in Latvia, registration at Latvian Commercial Register mentioned
Legal documents partially documented via blockchain registration
Start-up activity, Latvian forestry licences not confirmed

B7 · Marché & Localisation 2.0/3

Stable Latvian agricultural/forestry market, 2024 harvest up (+15.5%), solid dairy exports
Inflation pressures and energy/fertiliser costs noted
Established EU Baltic market, sustainable demand for timber and carbon credits

⚠ 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 in AMF, ORIAS or ESMA registers consulted - deduction −10 pts

Rendement élevé sans garantie réelle −3 pts

Rate served 18%/year without confirmed registered real security of rank 1 (Latvia Commercial Register registration insufficient without registered mortgage deed) - deduction −3 pts

Points forts

✓Partnership with Timbro, Latvian forestry leader, €80M turnover.

✓Land guarantee registered at Latvia Commercial Register and blockchain.

✓Stable Latvian forestry/agricultural market with documented growth in 2024.

✓Early exit option at 6 or 12 months offering investor flexibility.

✓Project 100% financed, validating market interest for this opportunity.

Risques identifiés

!FF Forest does not appear in any verifiable EU regulatory register (AMF, ORIAS, ESMA, FKTK).

!No financial data on operator; equity contribution absent, financing 100% crowd.

!Land guarantee: rank and independent fair value not documented in file.

!Rate of 18%/year exceeds AGRI standard (5-10%); absence of real security of rank 1 confirmed.

!No repayment history from platform or operator on any known platform.

⚠ 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.