Non communiqué (document vide)

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 not documented, empty document

B1.2: 0/3 - Legal structure unknown

B1.3: 0/2 - Repayment rank not documented

B2 · Opérateur & Track record 0.0/15faible

B2.1: 0/4 - No identifiable manager, empty document

B2.2: 0/5 - No documented experience

B2.3: 0/3 - Platform history unknown

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

B3 · Garanties & Sûretés 0.0/15faible

B3.1: 0/9 - No guarantee documented

B3.2: 0/4 - Guarantor not identified

B3.3: 0/2 - No bank partner documented

B4 · Structure financière 0.0/15faible

B4.1: 0/5 - Loan-to-Value (ratio prêt/valeur actif) not calculable

B4.2: 0/4 - Equity contribution unknown

B4.3: 0/4 - No stress test

B4.4: 0/2 - Target IRR not disclosed

B5 · Pré-commercialisation 0.0/10faible

No lease, memorandum of understanding or tenant study documented
Caution applied due to lack of data

B6 · Permis & Maturité 0.0/5faible

Acquisition and permits not documented
Project stage unknown

B7 · Marché & Localisation 1.0/3faible

Score adjusted thanks to live data: Provence-Luberon market stable, attractive tourist area, but limited commercial data and exit price unknown

Points forts

✓Platform licenced as PSFP AMF since 2023

✓Investor funds segregated via payment service provider Lemonway

✓Provence-Luberon market stable according to live data

Risques identifiés

!Empty project document: no analysable data on the transaction

!Operator not identified; RF1 not applied due to lack of usable file

!Guarantees, amount, rate and duration not disclosed

!Opacity of platform default statistics according to live data

!Uncertain French macro context: budgetary crisis, weak growth

⚠ 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.