SAS GIUNA — 11.0%/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 · 24.0/75

B1 · Instrument & Structure 7.0/10

B1.1: 5/5 - Amortisable credit, clear instrument French law

B1.2: 1/3 - Direct loan to SAS GIUNA, limited structural documentation

B1.3: 1/2 - Simple bond, rank not registered, no senior debt identified

B2 · Opérateur & Track record 4.0/15faible

B2.1: 2/4 - SAS GIUNA named, manager not publicly identified in file

B2.2: 1/5 - No information on sector or operator experience

B2.3: 0/3 - No history on PretUp or other verifiable platform

B2.4: 1/3 - Impossible to confirm judicial status; no proceeding identified but insufficient data

B3 · Garanties & Sûretés 2.0/15faible

B3.1: 0/9 - No guarantee mentioned in file (neither mortgage, nor joint and several guarantee, nor pledge)

B3.2: 0/4 - Guarantor not identified or assessed

B3.3: 2/2 - SME loan on licensed agrément AMF platform; institutionality of structure sufficient

B4 · Structure financière 3.0/15faible

B4.1: 2/5 - taux de couverture de la dette unknown, financial data absent; class C+ indicates moderate-high risk

B4.2: 0/4 - No information on equity or operator contribution

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

B4.4: 1/2 - No margin data; 18-month amortisable credit limits exposure

B5 · Pré-commercialisation 3.0/10faible

Portfolio and activity data not communicated
40% funding achieved with 764 lenders indicates market interest but borrower activity unknown → 3 pts by default SME without detail

B6 · Permis & Maturité 3.0/5

Active company (existing SAS), no visible legal alert but missing documents to confirm licences and compliance
Activity not specified → 3 pts by caution

B7 · Marché & Localisation 2.0/3

SME France market in growth, alternative lending 14% CAGR, low rejection rate (1.6%)
Consumer credit tightening Q1 2026 and NBFI vulnerabilities noted → 2 pts

Points forts

✓PretUp platform licensed PSFP AMF, solid regulatory framework.

✓Amortisable loan over 18 months, progressive repayment limiting exposure.

✓Alternative credit market France in strong growth (14% CAGR).

✓764 lenders committed, notable community traction.

✓Rate of 11% within SME-NBFI norm for C+ risk class.

Risques identifiés

!File near-empty: activity, sector, financial statements, managers - no verifiable information.

!No guarantee documented of any kind in presented document.

!SAS GIUNA manager not identified, insufficient transparency.

!DSCR and repayment capacity impossible to assess due to absent financial data.

!Risk class C+ on PretUp, platform default rate 6.82% - real exposure.

⚠ 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.