Dental Service — 9.5%/an · 24 mois

Plateforme · 18.0/25

A1 · Statut réglementaire 8.0/8✓ max

Active agrément AMF AMF licence, fonds propres-2024-7 licence currently valid
Maximum score

A2 · Track Record 4.0/6

Default 2.16% → 4.5pts (range 1-3%)
Delay >6 months 6.26% → 4.5pts (range 5-15%)
Actual vs announced return N/A → 0pt
Weighted score: (4.5×0.5)+(4.5×0.3)+(0×0.2)=3.6, rounded to 4

A3 · Rigueur de sélection 2.0/4

Monthly transparency of indicators documented
Selection rate not published, committee process not detailed in available data

A4 · Santé financière 3.0/4bon

Weak equity (200K€) but backed by Partners Finances Group (300+ employees, credit consolidation leader)
No signal of platform distress
Lender insurance discontinuation May 2025 = vigilance signal, not structural distress

A5 · Protection investisseurs 1.0/3faible

Active agrément AMF → 1pt minimum guaranteed (4-day reflection period + mandatory continuity plan)
Segregated accounts not confirmed
Secondary market not documented
Lender insurance discontinuation May 2025 reduces overall protection

Projet · 24.0/75

B1 · Instrument & Structure 7.0/10

B1.1: 5/5 - Fixed-rate obligation/loan, French law

B1.2: 1/3 - Direct operator loan, poorly documented

B1.3: 1/2 - Unsecured ranking, no known senior debt

B2 · Opérateur & Track record 4.0/15faible

B2.1: 1/4 - Entity named 'Dental Service', manager not identified in the file

B2.2: 2/5 - SME in healthcare sector, no financial data provided

B2.3: 0/3 - No documented history on PretUp or other platform

B2.4: 1/3 - No verifiable information, financial statements absent

B3 · Garanties & Sûretés 2.0/15faible

B3.1: 0/9 - No collateral documented in the file

B3.2: 0/4 - Guarantor not identified

B3.3: 2/2 - SME loan via licensed agrément AMF platform; recognised institutional framework

B4 · Structure financière 3.0/15faible

B4.1: 2/5 - taux de couverture de la dette not disclosed, financial data absent

B4.2: 0/4 - Operator contribution not documented

B4.3: 0/4 - No stress testing, financial data missing

B4.4: 1/2 - Dental healthcare sector stable, but data absent

B5 · Pré-commercialisation 3.0/10faible

Activity in development, no documented client contracts or portfolio
Promising dental sector but portfolio data absent

B6 · Permis & Maturité 3.0/5

Established activity (dental practice), legal structure presumed in order
No legal documents provided for confirmation

B7 · Marché & Localisation 2.0/3

SME France market rising, alternative lending +14% CAGR
Stable and growing healthcare sector
Slight tightening of credit standards Q1 2026

Points forts

✓Dental healthcare sector resilient and in structural growth in France.

✓Rate 9.5%/year compliant with SME-NBFI standard over 24 months.

✓PretUp platform licensed PSFP AMF, solid regulatory framework.

✓Amortising loan - progressive repayment, reduced capital risk.

✓Alternative SME lending market in strong growth (14% CAGR).

Risques identifiés

!File nearly empty: no financial information, balance sheet or identified manager.

!No collateral of any kind mentioned in the document.

!Manager not identifiable, transparency severely insufficient (B2.1 penalised).

!C+ risk class indicates degraded borrower profile according to PretUp grid.

!Disappearance of PretUp lender insurance since May 2025 reduces protection.

⚠ 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.