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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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Avoid
15
score / 100
Min. ticket
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À propos

Maeg Costruzioni (Vazzola, Italy), specialist in metal structures, is seeking 993,727 € to finance the execution of a contract worth 2,486,900 € with SEA S.p.A. (manager of Malpensa and Linate airports). The financing covers steel supply and manufacture of a covered pedestrian gallery for Milan-Malpensa airport. Duration 21 months, repayment at maturity backed by the final contractual instalment from SEA.

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 undocumented, empty document
B1.2: 0/3 - Legal structure and issuer unknown
B1.3: 0/2 - Repayment rank undocumented
B2 · Opérateur & Track record 0.0/15faible
B2.1: 0/4 - No manager or entity named
B2.2: 0/5 - No financial data or taux de couverture de la dette
B2.3: 0/3 - Borrower platform history unknown
B2.4: 0/3 - Register verification impossible, operator not identified
B3 · Garanties & Sûretés 0.0/15faible
B3.1: 0/4... no guarantee documented, 0/9
B3.2: 0/4 - Guarantor not identified
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 - Contract self-financing not documented
B4.3: 0/4 - No stress test presented
B4.4: 0/2 - Revenue and cash flow unknown
B5 · Pré-commercialisation 0.0/10faible
  • Receivable not verifiable: no debtor, purchase order or invoice provided
  • Score 0/10 by prudence principle
B6 · Permis & Maturité 0.0/5faible

No information on the borrowing company's legal status, age or licences

B7 · Marché & Localisation 1.0/3faible
  • Score adjusted based on live data: French invoice financing market in growth
  • Absence of debtor and sector data limits to 1/3
⚠ Alertes détectées · −10 pts déduits
Opérateur anonyme −10 pts

No manager or operator named in file - operator not identifiable

Points forts
✓Platform holding valid PSFP licence from AMF
✓Investor funds managed via third-party payment service provider (Lemonway)
✓French invoice financing market in growth
Risques identifiés
!Empty project document: no analysable data on the operation
!Borrower, managers and final debtor not identified
!Guarantees, amount, rate and duration not disclosed
!Platform default statistics considered opaque by live research
!Lemonway operational blockages end 2025 reported on platform
Score card
Score card — Non communiqué
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