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 20250015

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, Latvian platform specialising in acquisition and sustainable forestry management in Latvia. The model consists of purchasing deforested land, operating it, reforesting to generate carbon credits, and reselling agricultural parcels. Annual interest rate of 18% over 24 months, 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 - obligation convertible/hybrid loan, Latvian law, minimal documentation

B1.2: 1/3 - Direct loan FF Forest, poorly documented Latvian law

B1.3: 0/2 - Ranking not formalised, possible senior debt via banking partner

B2 · Opérateur & Track record 3.0/15faible

B2.1: 1/4 - 'Morgan Yvon Charles D.' mentioned without function or verifiable public profile

B2.2: 1/5 - No documented forestry operation delivered, model untested

B2.3: 0/3 - No platform history

B2.4: 1/3 - Latvian register not verified

B3 · Garanties & Sûretés 4.0/15faible

B3.1: 3/9 - Security over Latvian forestry land mentioned, registration in Latvian commercial register, no confirmed registered mortgage

B3.2: 1/4 - FF Forest guarantor, no financial statements available

B3.3: 0/2 - No banking partner identified

B4 · Structure financière 4.0/15faible

B4.1: 2/5 - Loan-to-Value (ratio prêt/valeur actif) not calculable, forestry asset without documented valuation

B4.2: 1/4 - Operator equity contribution not documented

B4.3: 0/4 - No stress test or taux de couverture de la dette presented

B4.4: 1/2 - Timber and carbon revenues mentioned without figures

B5 · Pré-commercialisation 1.0/10faible

No signed harvest sales contract, no documented harvest history
Apparent first cycle, model in development without firm commitment
Score 1/10 according to AGRI grid

B6 · Permis & Maturité 2.0/5faible

Recent activity, registration in Latvian commercial register mentioned
Legal documents partially attested but activity very recent and documents missing for full validation

B7 · Marché & Localisation 1.0/3faible

Stable Latvian forestry market with documented agricultural growth (+15.5% cereal yield 2024)
Risks from energy inflation and rising input costs
Secondary forestry market poorly liquid

⚠ Alertes détectées · −3 pts déduits

Plateforme non régulée Déjà comptabilisé dans le score plateforme (A1)

FF Forest platform with no verifiable PSFP/ECSP/CIP/IFP licence in any EU register consulted - deduction −10 pts

Rendement élevé sans garantie réelle −3 pts

Rate served 18%/year without confirmed registered real security (mortgage not registered, pledge not registered) - deduction −3 pts

Points forts

✓Documented Timbro partnership, Latvian leader with €80M turnover

✓Latvian forestry market growing, agricultural productivity rising

✓Early exit options at 6 and 12 months offer some flexibility

✓Registration in Latvian commercial register and blockchain traceability mentioned

Risques identifiés

!FF Forest platform with no identifiable regulatory licence in any EU register

!Operator 'Morgan Yvon Charles D.' not publicly identifiable, profile and experience not verifiable

!Rate of 18%/year very high for AGRI class without formally registered real security

!No financial statements, no delivered project history, no DSCR or stress test provided

!Complete absence of banking partner and platform statistics - total opacity

⚠ Avertissement sur les risques

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