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Forest Project 20250019
FF
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 20250019

Avoid
14
score / 100
Yield
18.0%/yr
Duration
24 months
Min. ticket
500 €
Amount raised
350 k€
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À propos

Loan of €350,000 to FF Forest, Latvian company for acquisition and forest management (purchase of deforested land, exploitation, reforestation, carbon credits). Operation over 24 months at 18%/year, backed by forest assets registered in the Latvian Commercial Register. Operating partner: Timbro (forest management, €80M turnover).

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 · 13.0/75 (16.0 brut, red flags −3)
B1 · Instrument & Structure 3.0/10faible
B1.1: 2/5 - Hybrid structure poorly documented, instrument not legally qualified
B1.2: 0/3 - Borrower confused with platform, structural opacity
B1.3: 1/2 - Priority ranking claimed, not formally registered
B2 · Opérateur & Track record 2.0/15faible
B2.1: 1/4 - Entity FF Forest named, managing director not clearly identified
B2.2: 0/5 - No documented history of own forestry or agricultural operations
B2.3: 0/3 - No history on this platform
B2.4: 1/3 - Impossible to confirm absence of collective insolvency proceeding
B3 · Garanties & Sûretés 3.0/15faible
B3.1: 3/9 - Guarantee on forest land mentioned, registration in Latvian commercial register, but no details on ranking, value or notarised deed
B3.2: 0/4 - No financial information on guarantor
B3.3: 0/2 - No banking partner mentioned
B4 · Structure financière 3.0/15faible
B4.1: 2/5 - Loan-to-Value (ratio prêt/valeur actif) not calculable, land collateral not valued
B4.2: 0/4 - No documented equity contribution, apparent 100% crowd financing
B4.3: 0/4 - No stress test presented, Loan-to-Value (ratio prêt/valeur actif) unknown
B4.4: 1/2 - Expected revenues from timber sales and CO2 credits mentioned without figures
B5 · Pré-commercialisation 1.0/10faible
  • No harvest sales contract signed, no stable harvest history, no portfolio data communicated
  • Start-up phase, no documented firm commercial commitment
B6 · Permis & Maturité 2.0/5faible
  • Activity mentioned as active but early stage; legal documents not detailed
  • Registration in Latvian commercial register flagged without proof attached to file
B7 · Marché & Localisation 2.0/3
  • Latvian agricultural/forestry market stable, cereal production growth in 2024 documented (+15.5%)
  • Increase in input costs (energy, fertiliser) constitutes a moderate risk
⚠ 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 of 18%/year without confirmed registered real guarantee (commercial register registration is not equivalent to formalised mortgage or pledge) - deduction -3 points

Points forts
✓Partnership with Timbro, Latvian forestry operator with documented turnover of €80M
✓Latvian forestry/agricultural market in growth, 2024 harvests up 15.5%
✓Early exit option at 6 and 12 months offers relative flexibility
Risques identifiés
!Platform with no identifiable regulatory licence (PSFP, ECSP, CIP, IFP or equivalent EU)
!Rate of 18%/year without formalised and registered verifiable real guarantee - RF10 triggered
!No financial information on FF Forest: balance sheet, equity, exploitation history absent
!LTV not calculable, value of forest land provided as guarantee not assessed in file
!Increase in input costs (energy, fertiliser, transport) may reduce operational profitability
Score card
Score card — Forest Project 20250019
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