Non identifié (document vide)

À propos

SARL COSENTINO & FILS, general building company specialising in property renovation in Monaco, is requesting EUR 1,500,000 to finance a complete waterproofing works project on the terraces of the Fontvieille Village residence (Zone 5) in Monaco. The final client is Gramaglia Monte-Carlo, historic property manager of the Principality. The operation is structured as invoice financing (INVOICE) over 24 months, repayment as receivables are collected.

Plateforme · 15.0/25

A1 · Statut réglementaire 8.0/8✓ max

agrément AMF licence from AMF valid since 2023
Maximum applicable score without reservation

A2 · Track Record 2.0/6faible

Score adjusted using live data: official rates 0%/0% but documented opacity (borrowers in compulsory liquidation not recorded)
Real statistics unpublishable - default N/C (0), delay N/C (0), yield N/C (0)
Opacity penalty applied
Score: 2/6

A3 · Rigueur de sélection 1.0/4faible

Mention of risk scoring improvements in 2025, but documented financing of borrowers in collective insolvency proceedings indicates historically deficient selection
No selection rate published

A4 · Santé financière 2.0/4

Independent platform, agrément AMF since 2023, outstanding portfolio growing
Lemonway operational blocks documented end 2025
No institutional shareholders
No signal of collective insolvency proceeding on the platform itself

A5 · Protection investisseurs 2.0/3

agrément AMF licensed: reflection period 4 days plus continuity plan = 1 mandatory point
PSP Lemonway third party identified = 1 point (segregation)
Absence of documented secondary market = 0 points

Projet · 1.0/75

B1 · Instrument & Structure 0.0/10faible

B1.1: 0/5 - Instrument undocumented, empty document

B1.2: 0/3 - Issuer and legal structure unknown

B1.3: 0/2 - Repayment ranking undocumented

B2 · Opérateur & Track record 0.0/15faible

B2.1: 0/4 - No operator or manager mentioned

B2.2: 0/5 - No taux de couverture de la dette data or history

B2.3: 0/3 - Platform history unknown

B2.4: 0/3 - Judicial verification impossible without identity

B3 · Garanties & Sûretés 0.0/15faible

B3.1: 0/9 - No documented guarantee

B3.2: 0/4 - Guarantor unknown

B3.3: 0/2 - No banking partner mentioned

B4 · Structure financière 0.0/15faible

B4.1: 0/5 - Final debtor not identified

B4.2: 0/4 - Self-financing unknown

B4.3: 0/4 - No stress test

B4.4: 0/2 - Turnover and cash flow not disclosed

B5 · Pré-commercialisation 0.0/10faible

Receivable, purchase order and debtor undocumented: receivable unverifiable, 0/10

B6 · Permis & Maturité 0.0/5faible

No information on the company's legal situation: 0/5

B7 · Marché & Localisation 1.0/3faible

Score adjusted based on live data: French invoice financing market in growth, but no project-specific data
1/3 as a precaution

⚠ 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.