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Forest Project 20260103
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 20260103

Avoid
19
score / 100
Yield
16.0%/yr
Duration
18 months
Min. ticket
500 €
Amount raised
70 k€
Invest →
À propos

Participatory loan of 70,000 EUR over 18 months to FF Forest, Latvian operator active in acquisition and sustainable forestry management in Latvia. The model consists of purchasing undervalued forested land, harvesting, replanting to generate carbon credits, then reselling agricultural parcels. Security is constituted by forestry assets registered in Latvia 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 · 17.0/75 (20.0 brut, red flags −3)
B1 · Instrument & Structure 5.0/10
B1.1: 2/5 - obligation convertible/unsecured loan with no formally registered real security
B1.2: 2/3 - Direct operator borrowing, Latvian law recognised under EU
B1.3: 1/2 - Priority ranking claimed (commercial register) but not formally registered as mortgage
B2 · Opérateur & Track record 3.0/15faible
B2.1: 2/4 - Entity FF Forest named, Riga address known, managing director not clearly identified
B2.2: 0/5 - No agricultural/forestry operations documented
B2.3: 0/3 - No track record on any known platform
B2.4: 1/3 - No known insolvency proceeding but financial statements not verifiable
B3 · Garanties & Sûretés 4.0/15faible
B3.1: 2/9 - Forestry land registered in Latvian Commercial Register; no formal registered mortgage, no notarised joint and several guarantee
B3.2: 1/4 - Guarantor creditworthiness not assessable, financial information absent
B3.3: 1/2 - Bank refinancing mentioned as objective but not granted as at date
B4 · Structure financière 3.0/15faible
B4.1: 0/5 - Loan-to-Value (ratio prêt/valeur actif) not calculable, collateral in forestry land without independent valuation provided
B4.2: 1/4 - Operator contribution not documented, equity not specified
B4.3: 0/4 - No stress test, Loan-to-Value (ratio prêt/valeur actif) unknown
B4.4: 2/2 - Latvian agricultural market stable, potential revenue from carbon credits and resale
B5 · Pré-commercialisation 1.0/10faible
  • Client portfolio data not communicated; no agricultural sales contract or carbon credit documented
  • Apparent start-up, no harvest or sales history provided
  • Score 1/10
B6 · Permis & Maturité 2.0/5faible
  • Declared activity operational but no legal document, forestry licence or title deed provided
  • Latvian legal structure mentioned without supporting documentation
  • Score 2/5 by default
B7 · Marché & Localisation 2.0/3
  • Latvian agricultural market stable, documented growth (harvest +15.5% in 2024, agricultural GDP rising)
  • Inflation and energy cost risks noted
  • Established EU market, solid agricultural demand
  • Score 2/3
⚠ Alertes détectées · −3 pts déduits
Rendement élevé sans garantie réelle −3 pts

Rate served 16%/annum without registered real security (recorded mortgage or pledge) - threshold 15% exceeded, no first-ranking formal security documented

Points forts
✓Security over forestry land registered in Latvia Commercial Register
✓Latvian agricultural market growing, 2024 harvests up 15.5%
✓Early exit option after 6 months documented
✓Blockchain traceability as complementary audit layer
Risques identifiés
!FF Forest platform without verified ECSP/PSFP licence, no confirmed regulatory supervision
!No published track record statistics, default rate unknown
!Independent valuation of forestry land absent, LTV not calculable
!Operator without documented track record of delivered forestry projects
!Rate of 16%/annum without registered real security - RF10 triggered
Score card
Score card — Forest Project 20260103
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