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 20250031

Avoid

score / 100

Yield

18.0%/yr

Duration

24 months

Min. ticket

500 €

Amount raised

250 k€

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À propos

Participating loan of EUR 250,000 at rate of 18%/year over 24 months, financed 100%, for acquisition and management of forestry land in Latvia by FF Forest. The model consists of purchasing undervalued deforested land, exploiting it, reforesting to generate carbon credits, then reselling to farmers. The security rests on forestry assets registered in 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 · 20.0/75 (23.0 brut, red flags −3)

B1 · Instrument & Structure 5.0/10

B1.1: 2/5 - obligation convertible-like without formal registered real security

B1.2: 2/3 - Direct operator loan, Latvian law, poorly documented

B1.3: 1/2 - Rank not explicitly registered, no known senior debt

B2 · Opérateur & Track record 3.0/15faible

B2.1: 2/4 - 'Morgan Yvon Charles D.' appointed, no verifiable public profile

B2.2: 0/5 - No documented forestry or agricultural operations

B2.3: 0/3 - No history on any platform

B2.4: 1/3 - Operator not traceable in known public registers

B3 · Garanties & Sûretés 5.0/15faible

B3.1: 5/9 - Forestry land mentioned as security, registered in Latvian commercial register; rank and value not specified

B3.2: 1/4 - Guarantor strength unknown, balance sheet not provided

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

B4 · Structure financière 3.0/15faible

B4.1: 2/5 - Loan-to-Value (ratio prêt/valeur actif) not calculable, forestry land collateral without attached valuation

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

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

B4.4: 1/2 - Revenue model described (land resale, carbon credits) but not quantified

B5 · Pré-commercialisation 2.0/10faible

Start-up activity, no documented crop sale contracts or CAP payment
No completed agricultural or forestry cycle history
Latvian market growing but operator without track record

B6 · Permis & Maturité 3.0/5

Legal structure registered in Latvian commercial register
Activity not yet established for 2 years, legal documents partially verifiable
Riga address provided

B7 · Marché & Localisation 2.0/3

Stable Latvian agricultural/forestry market, documented growth (+15.5% cereal yield 2024)
Solid dairy exports
Rising input costs (fertiliser, energy) to monitor

⚠ 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 registered rank 1 real security (mortgage not confirmed) - deduction −3 pts.

Points forts

✓Security declared over forestry land registered in Latvian commercial register.

✓Early exit option at 6 and 12 months documented.

✓Stable Latvian agricultural market with documented growth in 2024.

✓Blockchain traceability announced as additional audit layer.

✓Buyback guarantee mentioned (terms not detailed).

Risques identifiés

!No identifiable regulatory licence PSFP/ECSP/CIP/IFP for FF Forest.

!Rate of 18%/year without verifiable rank 1 registered mortgage - RF10 triggered.

!Operator without documented track record in Latvian forestry or agriculture.

!Value of forestry collateral not communicated, LTV impossible to calculate.

!Buyback guarantee without named guarantor or guarantor balance sheet provided.

⚠ 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.