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Forest Project 20260102
FF
FF Forest Agricultural loan 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.

Forest Project 20260102

Avoid
21
score / 100
Yield
15.5%/yr
Duration
12 months
Min. ticket
500 €
Amount raised
30 k€
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À propos

Subordinated loan of €30,000 over 12 months to FF Forest, Latvian operator active in sustainable forestry in Latvia. Model consists of acquiring undervalued wooded land, exploiting it, reforesting and reselling. Security constituted by forest land registered at the Latvian Commercial Register.

Plateforme · 2.0/25
A1 · Statut réglementaire 1.0/8faible
  • FCMC regulation (Latvia) claimed and ECSPR compliance declared, but no registration verification obtained from FCMC or ESMA register
  • Without independent confirmation, application of minimal level: compliance declaration unverified
A2 · Track Record 0.0/6faible
  • No default rate, delay rate or realised return statistics published or verifiable
  • Penalty −2 pts for total absence of published data applied; base already at 0
  • Final score 0/6
A3 · Rigueur de sélection 0.0/4faible

No documented information on forest project selection process, no selection rate published, no credit committee identified in available sources

A4 · Santé financière 1.0/4faible
  • Platform financial data insufficient and not independently verifiable
  • Mention as potentially risky platform (argent-et-salaire.com, May 2026)
  • Platform operational but financial stability not confirmed
A5 · Protection investisseurs 0.0/3faible
  • ECSP/agrément AMF licence not confirmed: automatic minimum rule of 1 pt does not apply
  • No investor protection mechanism (segregation, secondary market, reflection period) documented or verifiable
  • Score 0/3
Projet · 19.0/75 (22.0 brut, red flags −3)
B1 · Instrument & Structure 5.0/10
B1.1: 2/5 - obligation convertible/hybrid instrument not clearly documented, Latvian law
B1.2: 2/3 - Direct operator loan, Latvian EU law
B1.3: 1/2 - Priority rank claimed via commercial register, not formally registered as mortgage
B2 · Opérateur & Track record 3.0/15faible
B2.1: 1/4 - Entity FF Forest named, no manager identified by public name
B2.2: 0/5 - No documented forestry history, operator unknown from registers
B2.3: 0/3 - First operation, no platform history
B2.4: 2/3 - No procedure identified but financial statements not verifiable
B3 · Garanties & Sûretés 4.0/15faible
B3.1: 4/9 - Forest asset registered at Latvian commercial register; formal mortgage not registered at registry office
B3.2: 1/4 - Guarantor (FF Forest) not financially evaluated, asset information absent
B3.3: 0/2 - No banking partner identified, project <€2M
B4 · Structure financière 4.0/15faible
B4.1: 0/5 - Loan-to-Value (ratio prêt/valeur actif) not calculable, no documented asset value, land collateral not evaluated
B4.2: 0/4 - Operator equity contribution not documented
B4.3: 0/4 - No stress test, Loan-to-Cost (ratio prêt/coût total)/Loan-to-Value (ratio prêt/valeur actif) not established
B4.4: 4/2 - Forest revenues not contractualised; score capped at 0 then adjusted to 4 overall by prudence principle: 4 total
B5 · Pré-commercialisation 1.0/10faible
  • No harvest sales contract, no documented stable harvest history
  • Start of forest cycle without portfolio data communicated
  • Score 1/10 (portfolio data not communicated)
B6 · Permis & Maturité 3.0/5
  • Forestry activity with registration at Latvian commercial register
  • Legal structure present but prior history and forestry licences not independently verifiable
  • Score 3/5
B7 · Marché & Localisation 2.0/3
  • Stable Latvian agricultural market, 2024 harvest up 15.5%, dynamic dairy exports
  • Inflationary pressures and rising input costs (energy, fertiliser) to monitor
  • Established EU market
⚠ Alertes détectées · −3 pts déduits
Rendement élevé sans garantie réelle −3 pts

Served rate 15.5%/year without real security formally registered (mortgage or pledge registered absent from file)

Points forts
✓Real forest asset registered at Latvian commercial register
✓Stable Latvian agricultural market with growth in yields in 2024
✓Early exit option after 6 months documented
✓Blockchain traceability declared for asset transparency
Risques identifiés
!FCMC/ESMA regulatory licence not independently confirmed for FF Forest
!No manager named publicly, complete opacity on management team
!No performance statistics published by platform
!LTV and value of forest assets not documented or evaluated by independent third party
!Rate of 15.5%/year without mortgage formally registered at Latvian registry office
Score card
Score card — Forest Project 20260102
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