BORDEI BENJAMIN ROBERT ÎNTREPRINDERE INDIVIDUALĂ — Project No.32660047

Lande 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.

BORDEI BENJAMIN ROBERT ÎNTREPRINDERE INDIVIDUALĂ — Project No.32660047

Strong

score / 100

Yield

17%/yr

Duration

24 months

Min. ticket

—

Amount raised

24 k€

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À propos

Agricultural loan of 23,500 € to Bordei Benjamin Robert, Romanian operator cultivating wheat, barley and sunflower over 70.69 hectares. Financing intended for acquisition of agricultural land. Secured by mortgage over 4.88 ha of arable land in Romania (collateral value 39,528 €).

Plateforme · 22.0/25

A1 · Statut réglementaire 8.0/8✓ max

ECSP licence from Latvijas Banka currently valid, compliant with EU regulation 2020/1503, ESMA register verified - ECSP passport fully recognised

A2 · Track Record 5.0/6bon

Score adjusted thanks to live data: default 0.0% documented (6/6), delay >90d 4.93% (<5%, 6/6), yield compliant with announced range (6/6)
Weighted average (0.5×6 + 0.3×6 + 0.2×6) = 6.0/6

A3 · Rigueur de sélection 3.0/4bon

Selection process described (borrower KYC, collateral analysis documented in projects), selection rate not published - 3 pts

A4 · Santé financière 3.0/4bon

Score adjusted thanks to live data: independent platform profitable in 2024 (revenue €1.96M +22% YoY, return to profitability), >5 years in existence (2020), ECSP licence maintained, no distress signal identified - 3 pts

A5 · Protection investisseurs 3.0/3✓ max

Reflection period 4 days mandatory ECSP: 1 pt
Business continuity plan documented (Business Continuity Plan mentioned): 1 pt
Bulletin board planned for secondary market: 1 pt

Projet · 45.0/75 (48.0 brut, red flags −3)

B1 · Instrument & Structure 8.0/10bon

B1.1: 5/5 - Direct loan ECSP, recognised EU Romanian law

B1.2: 2/3 - Direct operator borrowing, clear EU local law

B1.3: 1/2 - Land pledge declared registered, rank not explicitly certified 1st

B2 · Opérateur & Track record 6.0/15faible

B2.1: 2/4 - Manager appointed (Bordei Benjamin Robert), public profile not verifiable

B2.2: 2/5 - 70.69 ha in operation, 1-3 years activity, first LANDE loan

B2.3: 0/3 - No documented platform history

B2.4: 2/3 - Healthy balance sheet (gearing 0.19), no insolvency proceeding identified, but Romanian entity not verifiable on Latvian registers

B3 · Garanties & Sûretés 9.0/15

B3.1: 7/9 - Land pledge registered Romanian land register (3 plots, 4.88 ha), registration pending confirmation of 1st rank

B3.2: 1/4 - fonds propres 134,300 €, limited guarantor information, individual operation

B3.3: 0/2 - No banking partner mentioned, amount <2M€

B4 · Structure financière 12.0/15bon

B4.1: 5/5 - Loan-to-Value (ratio prêt/valeur actif) 59% (<60%, AGRI standard)

B4.2: 4/4 - Landowner, substantial own collateral (fonds propres 134,300 €, assets 160,000 €)

B4.3: 2/4 - No stress test, low Loan-to-Value (ratio prêt/valeur actif) (<60%) structurally compensates

B4.4: 1/2 - Positive liquidity ratio, debt/revenue 26%, but net profitability 0%

B5 · Pré-commercialisation 6.0/10

Established agricultural activity (wheat, barley, sunflower, 70.69 ha), documented CAP payments (EAGF+EAFRD) - stable harvest history without formalised sales contract

B6 · Permis & Maturité 5.0/5✓ max

Established agricultural activity >2 years, legal documents in order (Romanian land register, NACE grain production), valid licences according to file

B7 · Marché & Localisation 2.0/3

Rising Romanian agricultural market (land +2.5x in 10 years, harvest +16.1% in 2024), but Călărași County secondary market vs major agricultural centres - 2 points

⚠ Alertes détectées · −3 pts déduits

Rendement élevé sans garantie réelle −3 pts

Rate served 17%/year without real security guarantee of 1st rank formally registered and confirmed - pledge declared but rank not certified in file

Points forts

✓Conservative LTV at 59%, land collateral registered at Romanian register over 4.88 ha

✓Operator balance sheet healthy: FP 134,300 €, gearing 0.19, debt/revenue 26%

✓CAP support (EAGF + EAFRD) reduces revenue default risk

✓Latvian/Romanian agricultural market rising, harvest +16.1% in 2024

✓LANDE licensed ECSP platform, zero defaults recorded on portfolio

Risques identifiés

!Rate 17%/year exceeds AGRI standard (5-10%) and triggers RF10 in absence of certified registered rank

!Individual Romanian operator (întreprindere individuală), profile not verifiable on accessible public registers

!No platform history on LANDE, first documented transaction

!Net profitability 0% in 2025, vulnerability to climate hazards and cereal prices

!Geopolitical uncertainties (Russian-Ukrainian conflict) potentially affecting Romanian exports and agricultural prices

⚠ Avertissement sur les risques

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