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BienPrêter Invoice financing Financé
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.

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15
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À propos

AMET Ltd, Bulgarian manufacturer of electrosurgical equipment based in Sofia (founded in 1995), is seeking €441,650 to finance the execution of a €1,008,450 purchase order intended for the private hospital Acibadem City Clinic Tokuda University Hospital in Sofia. The financing covers components, sub-assemblies and assembly of medical equipment before contractual deadlines. Operation classified as invoice financing over 20 months, final repayment linked to contractual collections.

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 · 0.0/75 (1.0 brut, red flags −10)
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 director named in the file
B2.2: 0/5 - Insufficient financial data, taux de couverture de la dette unknown
B2.3: 0/3 - No documented platform history
B2.4: 0/3 - Operator not identifiable on registers
B3 · Garanties & Sûretés 0.0/15faible
B3.1: 0/9 - No documented guarantee
B3.2: 0/4 - Guarantor non-existent or not assessed
B3.3: 0/2 - No banking partner mentioned. RF8 not applied, amount unknown
B4 · Structure financière 0.0/15faible
B4.1: 0/5 - Final debtor not identified
B4.2: 0/4 - Self-financing not documented
B4.3: 0/4 - No stress test presented
B4.4: 0/2 - Revenue and cash position unknown
B5 · Pré-commercialisation 0.0/10faible

Receivable not verifiable: no debtor, purchase order or contract provided

B6 · Permis & Maturité 0.0/5faible

No information on legal status or business history

B7 · Marché & Localisation 1.0/3faible

Score adjusted thanks to live data: French factoring market in growth, but no data specific to the project

⚠ Alertes détectées · −10 pts déduits
Opérateur anonyme −10 pts

No director or operator named in the transmitted file - −10 pts

Points forts
✓Platform holding valid PSFP licence from AMF
✓Investor funds held in escrow with a third-party PSP (Lemonway)
✓French invoice financing market in growth
Risques identifiés
!Project document empty: no fundamental analysis possible
!Operator, debtor and amount not identified in the file
!No guarantee or security documented
!Platform default statistics deemed opaque
!E-invoicing reform 2026 likely to disrupt operational flows
Score card
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