← Retour aux projets
Non communiqué
BI
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.

Non communiqué

Avoid
15
score / 100
Min. ticket
—
Invest →
À propos

AB CONSTRUCTION, a Marseille-based general masonry and structural works company, is requesting 421,750 € to finance the execution of a contract for 934,580 € on behalf of SOGIMA (public development company 44% owned by the City of Marseille). The project concerns major refurbishment and new construction works in the Camas district in Marseille (127 dwellings, >6,000 m²). Balloon finance over 20 months with personal guarantee and payment delegation.

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 director or operator named
B2.2: 0/5 - No financial data, taux de couverture de la dette unknown
B2.3: 0/3 - No documented platform history
B2.4: 0/3 - Judicial verification impossible, operator not identified
B3 · Garanties & Sûretés 0.0/15faible
B3.1: 0/4 - No documented guarantee
B3.2: 0/4 - Guarantor not identified
B3.3: 0/2 - No bank 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
B4.4: 0/2 - Revenue and cash flow unknown
B5 · Pré-commercialisation 0.0/10faible
  • Claim not verifiable: neither debtor, nor purchase order, nor documented contract
  • Prudence principle applied
B6 · Permis & Maturité 0.0/5faible

No information on business seniority, legal documents or borrower licences

B7 · Marché & Localisation 1.0/3faible
  • Score adjusted thanks to live data: French invoice financing market in growth
  • No debtor or sector identified
  • Score limited to 1/3
⚠ Alertes détectées · −10 pts déduits
Opérateur anonyme −10 pts

No operator or director named in the file transmitted (empty document)

Points forts
✓Platform holding valid PSFP licence from AMF
✓Investor funds segregated via payment service provider Lemonway
✓French invoice financing market in growth
Risques identifiés
!Project document empty: no verifiable data on the transaction
!Operator, debtor and guarantees impossible to identify in the file
!Platform default statistics deemed opaque according to live data
!Lemonway operational blockages end 2025 reported on platform
!Reform of electronic invoicing in September 2026: possible operational disruptions
Score card
Score card — Non communiqué
↓ Download
Voir toute l'analyse BienPrêter →
Autres projets sur BienPrêter
Travaux CHRU Florence Invoice financing 70/100 Promotion immobilière Beausoleil 3 Property trading 65/100 Commande Teatro Donizetti Invoice financing 63/100 Commande INVL Invoice financing 60/100
⚠ 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.