Acta Lorraine — 8.0%/an · 36 mois

Plateforme · 22.0/25

A1 · Statut réglementaire 8.0/8✓ max

agrément AMF licence granted by AMF on 6 December 2022 (fonds propres-2022-2), registre ORIAS n°15003274
Status fully compliant, currently valid

A2 · Track Record 6.0/6✓ max

Default 0.8% (<1% → 6 pts×0.5=3.0)
Delay 0.8% (<5% → 6 pts×0.3=1.8)
Realised yield ~5.9% compliant with announced ranges → 6 pts×0.2=1.2

A3 · Rigueur de sélection 3.0/4bon

RES selection process documented and recognised (technical, legal, financial due diligence)
Selection rate not explicitly published in available data

A4 · Santé financière 3.0/4bon

Independent platform founded in 2014 (>10 years), no distress signals
Active European expansion (Spain, Italy, Netherlands)
Fund launch 2026
No direct institutional backing

A5 · Protection investisseurs 2.0/3

agrément AMF licensed → mandatory 4-day reflection period + continuity plan (1 pt)
Segregated accounts via third-party payment service provider Mangopay (1 pt)
No operational secondary market identified (0 pt)

Projet · 28.0/75

B1 · Instrument & Structure 8.0/10bon

B1.1: 5/5 - Simple bonds at fixed rate, French law

B1.2: 2/3 - Direct loan single-member SAS issuer, clear French law

B1.3: 1/2 - Senior rank claimed, no formal registered registration recorded

B2 · Opérateur & Track record 5.0/15faible

B2.1: 2/4 - Jules Bodineau appointed, corporate officer, no verifiable public profile

B2.2: 1/5 - Recent company, no documented ENR realisation

B2.3: 0/3 - First operation on any platform

B2.4: 2/3 - No proceedings, very tight balance sheet (gearing 85%)

B3 · Garanties & Sûretés 5.0/15faible

B3.1: 6/9 - Pledge of securities account (Acta Lorraine shares) constituted by Acta Power, first rank

B3.2: 0/4 - Acta Power not financially evaluated, equity unknown

B3.3: 0/2 - No banking partner identified, project <2M€

B4 · Structure financière 5.0/15faible

B4.1: 2/5 - Project in development, no signed PPA or confirmed grid connection

B4.2: 0/4 - Equity explicitly indicated N/A in the file

B4.3: 0/4 - No stress test, Loan-to-Cost (ratio prêt/coût total) not calculable

B4.4: 3/2 capped to 0/2 - No revenue, company in losses, taux de couverture de la dette not calculable

B5 · Pré-commercialisation 2.0/10faible

ENERGY class: no signed PPA, no cleared permit, no confirmed grid connection
Acquisition/renovation phase, no documented contractualised rate
Advanced development phase but without commercial commitment

B6 · Permis & Maturité 1.0/5faible

Existing hydroelectric plant in course of acquisition
No building permit or confirmed operating authorisation in the file
File insufficient to score higher

B7 · Marché & Localisation 2.0/3

Hydroelectricity France: established renewable energy sector, accessible regulated rates
Stable market per live data
Absence of documented PPA limits the rating

Points forts

✓Enerfip platform licensed PSFP AMF, excellent renewable energy track record.

✓Simple bonds under French law, declared senior rank.

✓First rank pledge on issuer securities constituted.

✓Hydroelectric sector benefits from potential regulated rates.

✓France renewable energy market stable with expected recovery in 2026.

Risques identifiés

!Recently registered company, no annual accounts or documented renewable energy realisation.

!Operator equity N/A, gearing 85%, no declared equity contribution.

!No PPA, no cleared permit, no confirmed grid connection in the file.

!Guarantor Acta Power financially non-evaluable, security solidity uncertain.

!Active investor discussion on follow-up forum - potential delay signalled.

⚠ Avertissement sur les risques

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