Leader Revetements — 9.25%/an · 18 mois

Plateforme · 15.0/25

A1 · Statut réglementaire 8.0/8✓ max

agrément AMF AMF licence obtained and confirmed
Maximum score

A2 · Track Record 2.0/6faible

Default 6.82% → 3 pts base (range 3-7%)
Delay >90d not published → N/C → 0 pts
Actual vs announced yield not published → N/C → 0 pts
A2 = (3×0.5 + 0×0.3 + 0×0.2) = 1.5 pts, rounded to 2 as cautious measure on partial but published data

A3 · Rigueur de sélection 1.0/4faible

No selection rate published, process not detailed in available data
Established platform (since 2015) → 1 pt

A4 · Santé financière 3.0/4bon

Independent platform, active since 2015 (>3 years), ongoing collection in 2026, no distress signal identified
Risk score 3/5 indicates viability without sign of structural fragility

A5 · Protection investisseurs 1.0/3faible

agrément AMF licence → 4-day cooling-off period and continuity plan legally mandatory → 1 pt minimum guaranteed
Segregated accounts and secondary market not documented in provided data

Projet · 19.0/75 (24.0 brut, red flags −5)

B1 · Instrument & Structure 6.0/10

B1.1: 5/5 - Direct loan fixed rate, clear French law

B1.2: 2/3 - Direct operator borrowing, well documented

B1.3: 1/2 - Plain bond, ranking not registered, senior debt unknown

B2 · Opérateur & Track record 4.0/15faible

B2.1: 2/4 - Named company, managing director not identified in the file

B2.2: 1/5 - Coatings activity, no financial data or history

B2.3: 0/3 - No history on PretUp documented

B2.4: 1/3 - No procedure identified but data highly insufficient

B3 · Garanties & Sûretés 3.0/15faible

B3.1: 0/9 - No security mentioned in the file provided

B3.2: 0/4 - Guarantor not assessed, data absent

B3.3: 2/2 - SME-NBFI licensed, valid agrément AMF platform

B4 · Structure financière 3.0/15faible

B4.1: 2/5 - taux de couverture de la dette unknown, C+ class indicates moderate risk, conservative estimate 1.0-1.5

B4.2: 1/4 - Operator contribution unknown, conservative estimate <15%

B4.3: 0/4 - No stress test presented, financial data absent

B4.4: 0/2 - Margin and taux de couverture de la dette not documented

B5 · Pré-commercialisation 3.0/10faible

Client portfolio not documented
Coatings activity, stable SME sector
Portfolio data not communicated → 3 points by default SME-NBFI

B6 · Permis & Maturité 3.0/5

Established SME activity (coatings), legal structure presumed sound
Documents to update not verifiable
No precise information on age

B7 · Marché & Localisation 2.0/3

SME lending market in France rising, alternative lending +14% CAGR
Low NPL rate, positive GDP growth
Slight tension on credit standards Q1 2026

Points forts

✓PretUp platform licensed PSFP AMF, solid regulatory framework.

✓Rate of 9.25%/year within SME-NBFI norm for C+ class.

✓French alternative market in strong growth (14% CAGR).

✓Limited amount (150,000€) reducing absolute exposure.

✓Loan in collection process at 72%, real investor demand.

Risques identifiés

!File nearly empty: no financial information, managing director, or documented security.

!No real or personal security identifiable - RF8 triggered.

!C+ risk class indicates degraded borrower profile according to PretUp grid.

!Impossible to confirm age and track record of Leader Revêtements.

!PretUp default rate at 6.82%: platform risk not negligible on this segment.

⚠ 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.