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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.

Squash Bad Padel 24 #2

Fragile
44
score / 100
Yield
9.5%/yr
Duration
36 months
Min. ticket
—
Amount raised
106 k€
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À propos

Participatory loan of 106,000 EUR over 36 months at fixed rate of 9.5% in favour of a company in the sports sector (squash, badminton, padel), probably in Dordogne (24). Project classified C+ by PretUp platform. 100% funding achieved with 665 lenders. Little information available on the operator or precise use of funds.

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 · 26.0/75 (31.0 brut, red flags −5)
B1 · Instrument & Structure 8.0/10bon
B1.1: 5/5 - Simple bond fixed rate, French law
B1.2: 2/3 - Direct operator loan, well documented
B1.3: 1/2 - Simple bond with no known senior debt, de facto rank not registered
B2 · Opérateur & Track record 6.0/15faible
B2.1: 2/4 - Company named Squash Bad Padel 24 SARL, manager not publicly identified
B2.2: 2/5 - SME leisure sector, insufficient financial data
B2.3: 2/3 - Second fundraising on PretUp, first without documented incident
B2.4: 0/3 - Balance sheet, gearing, judicial verification not available in file
B3 · Garanties & Sûretés 4.0/15faible
B3.1: 2/9 - No documented real security, guarantee not confirmed, standard SME loan with no security mentioned
B3.2: 0/4 - Guarantor not evaluated, financial data absent
B3.3: 2/2 - Second transaction on PretUp licensed agrément AMF, recognised institutional platform
B4 · Structure financière 5.0/15faible
B4.1: 3/5 - taux de couverture de la dette not calculable, insufficient data, SME class leisure sport sector, stable post-Covid
B4.2: 0/4 - Operator equity contribution not documented
B4.3: 0/4 - No stress test presented, Loan-to-Value (ratio prêt/valeur actif)/Loan-to-Cost (ratio prêt/coût total) unknown
B4.4: 2/2 - Padel sector in strong growth France 2024-2025, revenue assumed stable
B5 · Pré-commercialisation 3.0/10faible
  • Active SME, second fundraising suggests continued activity
  • Client portfolio not detailed, concentration not documented
  • Portfolio data poorly communicated
B6 · Permis & Maturité 3.0/5
  • Established activity (second fundraising), SARL legal structure assumed in order
  • Documents to confirm, exact age not specified in file
B7 · Marché & Localisation 2.0/3
  • French SME market in growth, alternative lending CAGR 14%
  • Padel sector in strong expansion
  • Low NPL rates, French GDP positive
  • Score adjusted thanks to live data: rising market confirmed
⚠ Alertes détectées · −5 pts déduits
Aucune garantie réelle sur ce projet −5 pts

No real or personal guarantee documented on this 106,000 EUR SME loan - total absence of security confirmed in file.

Points forts
✓Second fundraising on PretUp, operator having already repaid without reported incident.
✓Padel sector in strong growth in France, sustained structural demand.
✓Rate 9.5%/year within SME-NBFI norm, monthly amortising repayment.
✓PretUp platform licensed PSFP AMF, solid regulatory framework.
✓Modest amount (106,000 EUR) limiting maximum exposure per lender.
Risques identifiés
!Total absence of documented real or personal guarantee in file.
!Operator balance sheet, DSCR and gearing not communicated - impossible to verify solvency.
!Manager not publicly identified, judicial verification impossible.
!Leisure sector (squash/padel) exposed to attendance fluctuations and local competition.
!Insufficient financial data to assess repayment capacity over 36 months.
Score card
Score card — Squash Bad Padel 24 #2
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