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 20250028

Avoid

score / 100

Yield

18.0%/yr

Duration

24 months

Min. ticket

500 €

Amount raised

250 k€

Invest →

À propos

Participatory loan of €250,000 at 18%/year over 24 months, financing the acquisition of undervalued forestry land in Latvia by FF Forest. The model includes harvesting, reforestation for carbon credits and resale of agricultural land. The underlying asset is a forest registered at the Latvian 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 · 13.0/75 (16.0 brut, red flags −3)

B1 · Instrument & Structure 4.0/10faible

B1.1: 5/5 - Simple obligation at fixed rate, Latvian law

B1.2: 0/3 - Unlicenced platform, structural opacity, Latvian law not documented

B1.3: 1/2 - Land guarantee mentioned but rank not formally established

B2 · Opérateur & Track record 2.0/15faible

B2.1: 1/4 - Morgan Yvon Charles D. named but without verifiable public profile, no photo/LinkedIn

B2.2: 0/5 - No documented forestry operation, no balance sheet

B2.3: 0/3 - No platform history

B2.4: 1/3 - No procedure identified but information highly insufficient

B3 · Garanties & Sûretés 3.0/15faible

B3.1: 3/9 - Forestry land registered at Latvian Commercial Register, but neither mortgage inscribed nor rank formalised

B3.2: 0/4 - Guarantor strength not evaluable, no balance sheet

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

B4 · Structure financière 2.0/15faible

B4.1: 0/5 - Loan-to-Value (ratio prêt/valeur actif) not calculable, land collateral not valued, no balance sheet

B4.2: 0/4 - No documented equity contribution

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

B4.4: 2/2 - Carbon revenue and agricultural resale mentioned but not documented

B5 · Pré-commercialisation 1.0/10faible

No crop sales contract, no documented agricultural cycle history, no CAP payment mentioned
Apparent start-up, no history

B6 · Permis & Maturité 2.0/5faible

Registration at Latvian Commercial Register mentioned but activity very recent, no forestry licence or specific permit documented in the file

B7 · Marché & Localisation 2.0/3

Latvian agricultural market stable, cereal yield growth +15.5% in 2024, solid dairy exports
Trend stable according to live data
Inflation/energy risks noted but not determining

⚠ 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

Served rate 18%/year without formally inscribed real guarantee (registered mortgage or pledge not documented) - deduction −3 pts.

Points forts

✓Registration of forestry assets at Latvian Commercial Register mentioned.

✓Blockchain traceability as audit layer for property ownership data.

✓Stable Latvian agricultural market with growth in yields in 2024

✓Early exit options at 6 and 12 months provided contractually.

✓Operational partners named (Timbro, Apply) with documented specialities.

Risques identifiés

!Platform without identifiable regulatory licence (PSFP/ECSP/CIP) - major legal risk for investor.

!Operator Morgan Yvon Charles D. without documented track record or verifiable balance sheet.

!Rate of 18%/year far beyond AGRI norm (5-10%) without verifiable inscribed guarantees.

!LTV not calculable, value of forestry land not evaluated or documented in the file.

!No banking partner, no documented equity contribution, 100% crowd financing.

⚠ Avertissement sur les risques

Investir en crowdfunding comporte un risque de perte partielle ou totale du capital, ainsi qu'un risque d'illiquidité. Selon le baromètre France FinTech / Forvis Mazars 2025, 25 à 30 % des projets accusent un retard de plus de 6 mois et 4 à 6 % entraînent une perte définitive. Ne placez jamais plus de 5 à 10 % de votre patrimoine en crowdfunding et diversifiez sur au moins 10 projets. CrowdPickr est un service d'information indépendant, non agréé en tant que conseiller en investissement. Les analyses présentées ne constituent pas un conseil en investissement personnalisé.