Omyfood – Prêt n°728 — 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 · 20.0/75 (25.0 brut, red flags −5)

B1 · Instrument & Structure 7.0/10

B1.1: 5/5 - Amortising credit, standard instrument under French law

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

B1.3: 1/2 - Ranking not documented, no known senior debt

B2 · Opérateur & Track record 4.0/15faible

B2.1: 2/4 - Company Omyfood named, no manager identified in the file

B2.2: 1/5 - No sectoral or financial data provided

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

B2.4: 1/3 - No incident found but balance sheet not provided

B3 · Garanties & Sûretés 2.0/15faible

B3.1: 0/9 - No guarantee mentioned in the document

B3.2: 0/4 - Guarantor not identified or evaluated

B3.3: 2/2 - SME loan via licensed agrément AMF platform, sufficient institutional quality

B4 · Structure financière 4.0/15faible

B4.1: 2/5 - taux de couverture de la dette unknown, financial data absent; prudence applied

B4.2: 1/4 - Equity contribution not documented

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

B4.4: 1/2 - No margin data available

B5 · Pré-commercialisation 3.0/10faible

SME-NBFI: client portfolio not documented, insufficient data
Omyfood activity (food/food-tech presumed) not detailed
Minimum score by default due to missing data

B6 · Permis & Maturité 3.0/5

SME-NBFI: legal documents presumed in order (active company), activity not specified
Prudent score due to lack of information on establishment date and licences

B7 · Marché & Localisation 2.0/3

SME market in France growing (14% CAGR fintech lending), NPLs controlled
Credit tightening Q1 2026 and slight decline in SME portfolio reported
Score adjusted thanks to live data: market_trend=rising but sector vigilance warranted

Points forts

✓Rate of 9.5% per annum complies with SME-NBFI standard, attractive return for the class.

✓PretUp platform licensed PSFP AMF, solid regulatory framework.

✓Monthly amortising repayment reduces duration risk.

✓French fintech lending market in strong growth (14% projected CAGR).

✓Project already financed at 92% - strong lender uptake.

Risques identifiés

!Highly incomplete file: no balance sheet, no manager identified, no financial data.

!No real or personal guarantee documented on this loan.

!Risk class C+ indicates a degraded borrower profile according to the PretUp grid.

!Tightening of credit standards in France Q1 2026 weighs on fragile SMEs.

!Disappearance of PretUp lender insurance (May 2025) reduces protection in case of default.

⚠ 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.