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Forest Project 20250025
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 20250025

Avoid
18
score / 100
Yield
18.0%/yr
Duration
24 months
Min. ticket
500 €
Amount raised
250 k€
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À propos

Participatory loan of €250,000 over 24 months to FF Forest platform (Riga, Latvia) to finance acquisition and management of forests in Latvia. The model consists of acquiring degraded land, operating it, reforesting it to generate carbon credits, then selling agricultural parcels to farmers. The loan is guaranteed by a forestry asset 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 · 17.0/75 (20.0 brut, red flags −3)
B1 · Instrument & Structure 4.0/10faible
B1.1: 2/5 - obligation convertible/unsecured loan without formally registered real security, ambiguous instrument
B1.2: 1/3 - Direct borrowing from FF Forest, Latvian law mentioned but poorly documented
B1.3: 1/2 - No known senior debt, de facto 1st ranking but not registered
B2 · Opérateur & Track record 3.0/15faible
B2.1: 1/4 - 'Morgan Yvon Charles D.' mentioned without precise function or verifiable profile
B2.2: 1/5 - First visible transaction, no documented forestry track record
B2.3: 0/3 - No history on this platform or other
B2.4: 1/3 - No procedure identified but entity not verifiable in registers consulted
B3 · Garanties & Sûretés 4.0/15faible
B3.1: 4/9 - Forestry land declared registered in Latvian Commercial Register, but value and ranking not verifiable
B3.2: 0/4 - Guarantor FF Forest without documented financial statements
B3.3: 0/2 - No banking partner identified, project <€2M therefore no RF2
B4 · Structure financière 3.0/15faible
B4.1: 0/5 - Loan-to-Value (ratio prêt/valeur actif) unknown, machinery/land collateral not valued
B4.2: 0/4 - No documented equity contribution
B4.3: 1/4 - No stress test; unknown Loan-to-Value (ratio prêt/valeur actif) does not compensate
B4.4: 2/2 - Cyclical model (acquisition, harvesting, resale) coherent if market stable
B5 · Pré-commercialisation 1.0/10faible
  • AGRI class: no harvest sale contract signed, no documented history, no data on potential buyers
  • Start-up, no confirmed history
B6 · Permis & Maturité 3.0/5
  • Forestry activity in Latvia with registration in Commercial Register mentioned
  • Documents to be updated or partially verifiable; legal structure presented as sound but not confirmed
B7 · Marché & Localisation 2.0/3
  • Stable Latvian agricultural/forestry market with documented growth (cereal harvest +15.5% in 2024, agricultural GDP rising)
  • Risks of inflation and energy/fertiliser costs 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 - −10 pts

Rendement élevé sans garantie réelle −3 pts

Rate paid 18%/annum without confirmed 1st-ranking registered real security (mortgage register registration not documented) - −3 points

Points forts
✓Guarantee declared on real asset registered in Latvian Commercial Register
✓Latvian agricultural market in documented growth in 2024
✓Early exit option at 6 and 12 months offering flexibility
✓Blockchain traceability announced as audit layer
Risques identifiés
!FF Forest platform without identifiable regulatory licence (PSFP, ECSP, FSC or equivalent)
!Rate of 18%/annum without verifiable 1st-ranking registered real security - RF10 triggered
!Manager 'Morgan Yvon Charles D.' not verifiable in available public registers
!No financial statements, no documented operator track record for FF Forest
!LTV unknown, value of forestry collateral not appraised or documented in the file
Score card
Score card — Forest Project 20250025
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