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 20250010

Avoid

score / 100

Yield

18%/yr

Duration

24 months

Min. ticket

500 €

Amount raised

100 k€

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À propos

Loan of €100,000 to FF Forest for acquisition and management of forestry land in Latvia. The model consists of purchasing undervalued deforested land, carrying out harvesting, reforesting to generate carbon credits and selling agricultural land. Bond over 24 months at 18%/year, with early exit options at 6 and 12 months.

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 · 15.0/75 (18.0 brut, red flags −3)

B1 · Instrument & Structure 3.0/10faible

B1.1: 2/5 - Loan/bond not specified, hybrid instrument poorly documented

B1.2: 0/3 - Direct borrowing, Latvian law poorly documented in file

B1.3: 1/2 - No known senior debt but rank not formally registered

B2 · Opérateur & Track record 3.0/15faible

B2.1: 2/4 - 'Morgan Yvon Charles D.' appointed, no verifiable public profile

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

B2.3: 0/3 - No platform history

B2.4: 0/3 - No verification possible on Latvian registers

B3 · Garanties & Sûretés 3.0/15faible

B3.1: 2/9 - Guarantee on forestry land declared, commercial register registration Latvia not verified, rank unknown

B3.2: 0/4 - Guarantor not financially assessed, no financial statements available

B3.3: 1/2 - Mention of future bank refinancing, no current banking partner identified

B4 · Structure financière 4.0/15faible

B4.1: 0/5 - Loan-to-Value (ratio prêt/valeur actif) not calculable, machinery/land collateral not valued

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

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

B4.4: 4/2 - Capped: Timbro revenue €80M, multiple forestry revenues, cash position not verified

B5 · Pré-commercialisation 1.0/10faible

No harvest sales contract or documented history
Debut activity on this platform, no purchase orders or contracts provided

B6 · Permis & Maturité 2.0/5faible

Recent forestry activity (<1 year documented), commercial register registration mentioned but not verified
Latvian legal documents not provided

B7 · Marché & Localisation 2.0/3

Stable Latvian agricultural market, documented growth (+15.5% cereal yield 2024), strong export dairy industry
Energy risks and inflation moderate

⚠ 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 18%/year without confirmed registered real guarantee (commercial register registration not verified, no registered mortgage).

Points forts

✓Operational partner Timbro: revenue €80M, 75 professionals, documented forestry expertise.

✓Stable Latvian forestry sector with documented growth in 2024.

✓Early exit option at 6 and 12 months offers investor flexibility.

✓Registration declared with Latvian Commercial Register and blockchain traceability announced.

Risques identifiés

!FF Forest platform without identifiable regulatory licence (PSFP, ECSP, CIP, IFP or EU equivalent).

!Rate of 18%/year significantly above AGRI standard (5-10%) without confirmed real guarantee.

!LTV and valuation of forestry land collateral not provided; impossible to verify coverage.

!Director 'Morgan Yvon Charles D.' not publicly identifiable on Latvian registers or elsewhere.

!100% crowdfunding without banking partner, documented equity contribution not provided.

⚠ 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.