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 20250018

Avoid

score / 100

Yield

18%/yr

Duration

24 months

Min. ticket

500 €

Amount raised

350 k€

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À propos

Loan of €350,000 over 24 months at fixed rate 18%/year to finance acquisition and management of forest land in Latvia by FF Forest, in partnership with Timbro. The model consists in purchasing deforested land, harvesting, reforesting for carbon credits, and reselling. The file mentions security over forest land registered at Latvia's Commercial Register.

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: 2/5 - obligation convertible-like without formally registered real security

B1.2: 2/3 - Direct operator loan, recognised EU Latvian law

B1.3: 0/2 - Unregistered rank, possible undocumented senior debt

B2 · Opérateur & Track record 3.0/15faible

B2.1: 2/4 - Name 'MORGAN YVON CHARLES D.' mentioned, no verifiable public profile

B2.2: 0/5 - No documented delivered forest operations

B2.3: 0/3 - No platform history

B2.4: 1/3 - Not identified in consulted Latvian registers

B3 · Garanties & Sûretés 4.0/15faible

B3.1: 3/9 - Security over forest land, Commercial Register Latvia registration mentioned, but rank and formal registration not confirmed

B3.2: 1/4 - Guarantor strength not assessable, financial data absent

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

B4 · Structure financière 3.0/15faible

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

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

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

B4.4: 2/2 - Multiple forest revenues (timber, carbon, land sales) potentially stable

B5 · Pré-commercialisation 2.0/10faible

AGRI: no signed sales contract, no documented harvest history, apparent first cycle
Timbro partnership mentioned but without contractualised commercial commitment

B6 · Permis & Maturité 3.0/5

AGRI: activity presented as established, Commercial Register Latvia registration mentioned, but age and forest licences not verifiable
Legal structure present but incomplete

B7 · Marché & Localisation 2.0/3

Stable Latvian agricultural/forest market, 2024 harvests up 15.5%, agricultural GDP growing
Inflation and energy costs constitute moderate risks
Score adjusted thanks to live data: stable trend confirmed

⚠ 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 - deduction −10 points

Rendement élevé sans garantie réelle −3 pts

Rate served 18%/year without verified registered rank 1 real security (registered mortgage or pledge not confirmed).

Points forts

✓Partnership with Timbro, documented Latvian forest player (75 professionals, €80M turnover).

✓Commercial Register Latvia registration and blockchain traceability mentioned.

✓Stable Latvian agricultural market with yield growth in 2024.

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

✓Real asset (forest land) presented as underlying security guarantee.

Risques identifiés

!No regulatory licence (PSFP, ECSP, or Latvian equivalent) identified for FF Forest.

!Rate of 18%/year far above AGRI standard (5-10%), without verifiable registered real security.

!Operator (MORGAN YVON CHARLES D.) not identifiable in consulted public registers.

!LTV not calculable: value of forest land not disclosed in file.

!No history of delivered projects, no platform performance statistics available.

⚠ Avertissement sur les risques

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