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Forest Project 20250027
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 20250027

Avoid
22
score / 100
Yield
18.0%/yr
Duration
24 months
Min. ticket
500 €
Amount raised
250 k€
Invest →
À propos

Loan of €250,000 to FF Forest, Latvian sustainable forestry management platform, for the acquisition and development of forest land in Latvia. The model rests on purchasing undervalued land, responsible harvesting, reforestation for carbon credits and resale to farmers. Annual rate of 18% over 24 months, guaranteed by land assets registered in 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 · 21.0/75 (24.0 brut, red flags −3)
B1 · Instrument & Structure 4.0/10faible
B1.1: 2/5 - Unspecified hybrid instrument (informal loan/bond)
B1.2: 1/3 - Latvian law mentioned, legal structure poorly documented
B1.3: 1/2 - Registered land guarantee but rank not formally confirmed
B2 · Opérateur & Track record 4.0/15faible
B2.1: 2/4 - 'Morgan Yvon Charles D.' named without verifiable public profile
B2.2: 1/5 - First identifiable transaction, Latvian forestry sector poorly documented
B2.3: 0/3 - No history on platform
B2.4: 1/3 - No procedure found but financial statements unavailable
B3 · Garanties & Sûretés 5.0/15faible
B3.1: 5/9 - Forest land registered in Latvian Commercial Register; mortgage rank not specified
B3.2: 1/4 - Guarantor financial strength not documented
B3.3: 0/2 - No banking partner identified on €250K (<€2M, not RF2)
B4 · Structure financière 3.0/15faible
B4.1: 0/5 - Loan-to-Value (ratio prêt/valeur actif) not calculable, land value not disclosed
B4.2: 1/4 - Operator equity contribution not documented
B4.3: 1/4 - No stress test, Loan-to-Value (ratio prêt/valeur actif) unknown
B4.4: 1/2 - Forest operating margin not quantified
B5 · Pré-commercialisation 3.0/10faible
  • Forestry activity established in Latvia with named partners (Timbro, Apply)
  • No timber sales contract or CAP history documented
  • Client portfolio not disclosed
B6 · Permis & Maturité 3.0/5
  • Forestry activity legally registered in Latvia, legal documents present according to file
  • Seniority and specific forestry licences not verifiable in the file provided
B7 · Marché & Localisation 2.0/3
  • Stable Latvian agricultural market, 2024 harvest growth +15.5%, solid dairy exports
  • Energy and fertiliser inflation risks documented
  • Established market Baltic region
⚠ 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 registered and confirmed first-rank security (mortgage rank not documented) - -3 pts

Points forts
✓Guarantee on forest land registered in Latvian Commercial Register
✓Buyback guarantee and early exit option announced
✓Latvian agricultural market in documented growth in 2024
✓Operational partners named (Timbro, Apply)
Risques identifiés
!FF Forest platform without identifiable regulatory licence (PSFP, ECSP, CIP, IFP)
!Rate of 18%/year very high for AGRI class without confirmed first-rank mortgage guarantee
!LTV not calculable: forest land value not disclosed in file
!Manager Morgan Yvon Charles D. without verifiable public profile or documented track record
!No platform statistics published: default rates, delays and actual returns unknown
Score card
Score card — Forest Project 20250027
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