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Forest Project 20260105
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 20260105

Avoid
20
score / 100
Yield
15.5%/yr
Duration
12 months
Min. ticket
500 €
Amount raised
100 k€
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À propos

Participatory loan of 100,000 € over 12 months at fixed rate of 15.5%/year, financed 46% as at date. FF Forest acquires undervalued forest land in Latvia to operate, reforest and resell. The guarantee consists of forest land registered in 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 · 18.0/75 (21.0 brut, red flags −3)
B1 · Instrument & Structure 5.0/10
B1.1: 2/5 - obligation convertible/unsecured loan without formally registered mortgage
B1.2: 2/3 - Direct borrowing by operator, Latvian law mentioned
B1.3: 1/2 - Priority ranking claimed via commercial register, mortgage not formally registered
B2 · Opérateur & Track record 5.0/15faible
B2.1: 1/4 - Entity FF Forest named, director MORGAN YVON CHARLES D. cited but without verifiable profile
B2.2: 1/5 - First forestry operation, operator without documented agricultural history
B2.3: 0/3 - No history on any platform
B2.4: 3/3 - No proceedings identified, recent operator, Latvian Commercial Register mentioned
B3 · Garanties & Sûretés 4.0/15faible
B3.1: 4/9 - Forest land registered in Latvian Commercial Register, without registered mortgage of formalized ranking
B3.2: 0/4 - Guarantor not financially assessed, no FF Forest balance sheet data available
B3.3: 0/2 - No banking partner identified
B4 · Structure financière 3.0/15faible
B4.1: 1/5 - Loan-to-Value (ratio prêt/valeur actif) not calculable, forest land collateral without documented valuation
B4.2: 1/4 - No documented equity injection, structure dependent on crowdfunding
B4.3: 0/4 - No stress test, Loan-to-Value (ratio prêt/valeur actif)/Loan-to-Cost (ratio prêt/coût total) unknown
B4.4: 1/2 - Model of agricultural land resale plus carbon credits plausible but revenues not contractualized
B5 · Pré-commercialisation 1.0/10faible
  • No crop sales contract signed, no documented CAP payment, no harvest history
  • Start-up phase, portfolio data not communicated
B6 · Permis & Maturité 1.0/5faible

Very recent activity, registration in Latvian Commercial Register mentioned but complete legal documents not verifiable, no forestry licence cited

B7 · Marché & Localisation 2.0/3
  • Stable Latvian agricultural market with documented growth in cereal yields (+15.5% in 2024)
  • Solid dairy industry exporter
  • Pressures on input costs (energy, fertilisers) to monitor
⚠ Alertes détectées · −3 pts déduits
Rendement élevé sans garantie réelle −3 pts

Rate served 15.5%/year without formally registered real guarantee (mortgage not registered with conservatory) - 15% threshold exceeded, absence of registered real guarantee confirmed.

Points forts
✓Guarantee on real asset registered in Latvian Commercial Register.
✓Early exit mechanism after 6 months documented.
✓Latvian agricultural market in stable growth with yield increase in 2024.
✓Blockchain traceability claimed for ownership audit.
Risques identifiés
!Platform without ECSP/PSFP licence confirmed, no verifiable regulatory supervision.
!Complete absence of platform financial data, zero track record, total opacity.
!LTV not calculable, valuation of forest collateral not documented or verifiable.
!No operator history provided, economic model not proven in practice.
!Rate 15.5%/year without formally registered real guarantee - RF10 triggered.
Score card
Score card — Forest Project 20260105
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⚠ Avertissement sur les risques

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