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Projet Agrivoltaïque de Coutouvre dans la Loire (42)
LE
Lendosphere Renewable energy 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.

Projet Agrivoltaïque de Coutouvre dans la Loire (42)

Average
52
score / 100
Yield
7.5%/yr
Duration
36 months
Min. ticket
1 k€
Amount raised
100 k€
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À propos

Crowdfunding for development studies of a 25 MW agrivoltaic project over 50 hectares at Coutouvre (Loire, 42), carried out by VALOREM Group. The project, in study phase, aims to support local cattle farming while producing 34.3 GWh/year of renewable electricity. Obligations with progressive quarterly repayment over 3 years, rate 7% or 8% depending on investor geographic zone.

Plateforme · 19.8/25
A1 · Statut réglementaire 8.0/8✓ max
  • agrément AMF licence AMF fonds propres-2023-22 in force since November 2023
  • Maximum status on the grid
A2 · Track Record 4.8/6bon
  • Default 0.34% (<1%) → 6/6
  • Delay 0.41% (<5%) → 6/6
  • Actual return vs announced: not explicitly communicated → 0/6
  • A2 = (6×0.5)+(6×0.3)+(0×0.2) = 4.8
A3 · Rigueur de sélection 2.0/4
  • Proven specialisation in renewable energy with €420M raised since 2014
  • No selection rate published nor detailed description of the analysis committee
A4 · Santé financière 3.0/4bon
  • Backed by 123 IM group, 90 employees, operational platform since 2014
  • Acquisition of Lendopolis in 2024 = expansion, not distress
  • Non-listed group/tier 1 institutional → 3 pts
A5 · Protection investisseurs 2.0/3
  • agrément AMF licensed → reflection period + continuity plan mandatory (1 pt)
  • Third-party escrow account for payments documented (1 pt)
  • No secondary market mentioned (0 pt)
Projet · 32.0/75
B1 · Instrument & Structure 8.0/10bon
B1.1: 5/5 - Simple obligation fixed rate, clear French law
B1.2: 2/3 - Direct loan from VALOREM operator, well documented
B1.3: 1/2 - Unsecured obligation, no known senior debt, de facto 1st rank not registered
B2 · Opérateur & Track record 12.0/15bon
B2.1: 4/4 - Baptiste MEDINA appointed, VALOREM group identifiable
B2.2: 5/5 - VALOREM 30 years, 4.5 GW in development, 1.8 TWh produced in 2025
B2.3: 2/3 - 58M€ raised via crowdfunding, 8800 lenders, all maturities honoured
B2.4: 1/3 - Group balance sheet not provided, gearing not calculable
B3 · Garanties & Sûretés 2.0/15faible
B3.1: 2/9 - Personal guarantee not notarised implicit only; no security in the form of pledge or mortgage documented
B3.2: 0/4 - No financial guarantor evaluated
B3.3: 0/2 - No banking partner (project <2M€ therefore no RF2)
B4 · Structure financière 4.0/15faible
B4.1: 2/5 - Development phase, no revenue, no PPA, no grid connection
B4.2: 0/4 - No equity contribution mentioned on this studies raise
B4.3: 0/4 - No stress test, pre-development project
B4.4: 2/2 - VALOREM 150M€ turnover, solid group, group taux de couverture de la dette not provided but robust structure
B5 · Pré-commercialisation 2.0/10faible
  • Pure development phase
  • No permit filed, no PPA, no grid connection
  • Studies ongoing, territorial co-construction documented
  • Score 2/10 (pre-development phase, permit filing planned)
B6 · Permis & Maturité 1.0/5faible
  • Pre-development phase
  • Permit not filed, study perimeter of 50 ha identified
  • Established activity for over 2 years for VALOREM but specific project without permit
  • Score 1/5
B7 · Marché & Localisation 3.0/3✓ max
  • Solar market Loire rising (+20% installations Q1 2025-2026)
  • Institutional support SIEL. >2000h sun/year
  • French renewable energy market in strong growth
  • Score adjusted thanks to live data: rising trend confirmed
Points forts
✓VALOREM: recognised renewable energy operator, 30 years experience, 4.5 GW in development
✓Exemplary crowdfunding history: 58M€ raised, all maturities honoured
✓Loire solar market dynamic, documented local institutional support
✓Lendosphere licensed PSFP AMF, solid platform track record (0.34% default)
Risques identifiés
!Pre-development studies financing: no permit, no PPA, high abandonment risk
!Complete absence of security on this crowdfunding obligation
!No project financing plan provided, VALOREM equity contribution not documented
!Dependence on government subsidies and buyback rates subject to change
!30 year exploitation horizon very long; this raise finances only initial studies
Score card
Score card — Projet Agrivoltaïque de Coutouvre dans la Loire (42)
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⚠ Avertissement sur les risques

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