Saint Claude — Division et vente à la découpe à Valensole

Bricks Property trading 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.

Saint Claude — Division et vente à la découpe à Valensole

Average

score / 100

Yield

9%/yr

Duration

12 months

Min. ticket

10 €

Amount raised

307 k€

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À propos

Property trader operation in Valensole (04210) consisting of acquisition of a set of real property comprising two semi-detached houses (3-bedroom units of 61m² and 78m²) and a building plot of 658m², followed by land division and separate resale of three lots. Carried out by HARMONIE CONCEPTION (SIREN 943638031), company with capital of €1,000 managed by Valentin Zani and Léo Montagard. Total cost €452K, estimated resale value €544K, one property out of two pre-sold.

Plateforme · 16.0/25

A1 · Statut réglementaire 8.0/8✓ max

agrément AMF licence from AMF currently valid, licence fonds propres-2023-8
History: struck off from registre ORIAS in April 2022 for unauthorised collection, then agrément AMF licence obtained in June 2023
Current regulatory status fully compliant

A2 · Track Record 3.0/6

Default 6.51% → 3 points (range 3-7%)
Delay 5.38% → 4.5 points (range 5-15%)
Actual yield vs announced: not disclosed → 0 points
A2 = (3×0.5)+(4.5×0.3)+(0×0.2) = 2.85 → rounded 3/6

A3 · Rigueur de sélection 1.0/4faible

No selection rate published, no detailed selection process identified in available data
Recognised platform and number 1 in France in 2025

A4 · Santé financière 3.0/4bon

Independent platform, 141M€ collected in 2025, number 1 in France, 600,000 members
Difficult regulatory history (2022) resolved
Rapid growth, no active distress signal identified

A5 · Protection investisseurs 1.0/3faible

agrément AMF licence guarantees 4-day reflection period and continuity plan (1 mandatory point)
Segregated accounts not explicitly confirmed in the data

Projet · 36.0/75 (39.0 brut, red flags −3)

B1 · Instrument & Structure 8.0/10bon

B1.1: 5/5 - Simple obligation fixed rate, clear French law

B1.2: 2/3 - Direct operator loan (dedicated SAS), well documented

B1.3: 1/2 - Rank 1 claimed, mortgage registration conditional on notarial deed not yet signed

B2 · Opérateur & Track record 7.0/15faible

B2.1: 2/4 - Zani and Montagard appointed, no verifiable public profile

B2.2: 1/5 - 1 year property trader experience, 3 successful operations, very recent player

B2.3: 2/3 - Performance qualified as excellent on Bricks, 1 operation repaid

B2.4: 2/3 - No proceedings, capital €1,000 very low, financial statements not communicated

B3 · Garanties & Sûretés 10.0/15

B3.1: 7/9 - Rank 1 mortgage in course of registration (deed to be signed)

B3.2: 1/4 - Joint and several guarantee under private deed, guarantors' assets not documented

B3.3: 0/2 - No bank credit identified on operation <€2M, no RF2

B4 · Structure financière 9.0/15

B4.1: 3/5 - Loan-to-Value (ratio prêt/valeur actif) 56.4% (threshold 55-65% → 3 pts marchand de biens)

B4.2: 3/4 - Contribution €145K out of €452K total being 32%, range 25-35%

B4.3: 2/4 - Loan-to-Value (ratio prêt/valeur actif) 56% compensates for absence of documented stress test

B4.4: 1/2 - Margin 20.4% >15%, but valuation without independent appraisal

B5 · Pré-commercialisation 3.0/10faible

1 property out of 2 pre-sold (33% of pre-commercialisation validated), confirmed interest in writing according to file
Land and 2nd house without firm commitment
Score: 3/10

B6 · Permis & Maturité 0.0/5faible

Land not yet acquired (acquisition to be realised)
Prior declaration of division not opposed, but authentic deed not signed
Triggers RF6 (marchand de biens, land not acquired)

B7 · Marché & Localisation 2.0/3

Valensole, Alpes-de-Haute-Provence market: demand for primary and secondary residences, ITER/CEA Cadarache basin
Stable secondary market, exit price €3,508/m² consistent with regional levels
Score: 2/3

⚠ Alertes détectées · −3 pts déduits

Terrain pas encore acheté −3 pts

Land not yet acquired on RE-MDB operation - authentic deed of acquisition not signed at time of fundraising

Points forts

✓Rank 1 mortgage planned covering 121% of amount raised, securing structure.

✓Significant equity contribution of €145,000 (32% of total cost).

✓Forecast margin of 20.4% comfortable for a property trader operation.

✓LTV of 56.4% measured, reasonable leverage.

✓12 months of interest sequestered guaranteeing first payments to investors.

Risques identifiés

!Land not acquired: acquisition not realised, risk of non-realisation of entire operation.

!Very recent operator (1 year), share capital €1,000, financial soundness insufficiently documented.

!Resale value €544K without independent market valuation or external appraisal.

!Documented environmental hazards (run-off, flooding, ground movement) on land to be built.

!Joint and several guarantee under private deed only, without notarial deed or guarantors' assets evaluated.

⚠ Avertissement sur les risques

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