Pharmacie de Mametz — 9.5%/an · 36 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 · 28.0/75

B1 · Instrument & Structure 6.0/10

B1.1: 5/5 - Direct SME loan, clear French law

B1.2: 2/3 - Direct borrowing from operator (pharmacy), well documented

B1.3: 1/2 - Senior unsecured note, no known senior debt, rank not recorded

B2 · Opérateur & Track record 4.0/15faible

B2.1: 1/4 - Named entity (Pharmacy of Mametz), manager not identified

B2.2: 2/5 - SME >5 years probable (established pharmacy), stable sector, no financial statements provided

B2.3: 0/3 - No documented history on this platform

B2.4: 1/3 - No identifiable collective insolvency proceeding, financial data absent

B3 · Garanties & Sûretés 2.0/15faible

B3.1: 2/9 - No real security documented; SME-NBFI class <500K€, guarantee not mentioned

B3.2: 0/4 - Guarantor not assessed, no financial information

B3.3: 0/2 - No identified banking partner, project <2M€

B4 · Structure financière 3.0/15faible

B4.1: 2/5 - taux de couverture de la dette not communicated; pharmacy defensive sector, presumed stable cash flows, prudent estimate

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

B4.3: 0/4 - No stress test presented, financial data absent

B4.4: 0/2 - Margin not communicated

B5 · Pré-commercialisation 6.0/10

Established pharmacy, regulated and defensive sector, presumed captive clientele
Probable stable activity history
Portfolio data poorly detailed in file

B6 · Permis & Maturité 5.0/5✓ max

Established activity (regulated pharmacy), presumed valid operating licences, sound legal structure for French pharmaceutical sector

B7 · Marché & Localisation 2.0/3

SME France market in recovery, alternative CAGR 14%
Pharmacies: defensive sector, low cyclicality
SME NPL rate France <5%
Some credit tensions noted in Q1 2026

Points forts

✓Regulated pharmaceutical sector, defensive and captive activity.

✓Project 100% funded by 729 lenders, collective validation.

✓Rate 9.5%/year within SME-NBFI norm, not exceeding alert thresholds.

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

✓PretUp platform approved PSFP AMF, regulatory reliability.

Risques identifiés

!Near-empty file: manager, financial statements, guarantees and DSCR absent.

!No real security or guarantee documented on this loan.

!Risk class C+ - intermediate-high credit risk.

!Disappearance of PretUp lender insurance since May 2025.

!Tightening of consumer/SME credit standards France Q1 2026.

⚠ 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.