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Forest Project 20260106
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 20260106

Avoid
26
score / 100
Yield
13.9%/yr
Duration
6 months
Min. ticket
500 €
Amount raised
100 k€
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À propos

6-month loan to FF Forest, Latvian sustainable forestry platform, to finance acquisition of deforested land in Latvia, its exploitation and reforestation. The loan is secured by forestry assets registered in Latvia's Commercial Register. Operation in course of financing (45% reached on €100,000).

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 · 24.0/75 (27.0 brut, red flags −3)
B1 · Instrument & Structure 5.0/10
B1.1: 5/5 - Simple obligation fixed rate, Latvian law EU
B1.2: 0/3 - Borrower = operator/platform, structural opacity, no distinct société dédiée (SPV)
B1.3: 0/2 - No documented rank, future senior bank debt explicitly provided for
B2 · Opérateur & Track record 3.0/15faible
B2.1: 1/4 - FF Forest entity named, managers not publicly identified
B2.2: 1/5 - No documented forestry track record operator, first operation
B2.3: 0/3 - No history on any platform
B2.4: 1/3 - Balance sheet and judicial verification unavailable, entity poorly traceable
B3 · Garanties & Sûretés 7.0/15faible
B3.1: 7/9 - Forestry asset registered Latvian Commercial Register, mentioned as first rank mortgage in course of registration
B3.2: 1/4 - Guarantor = operator itself, balance sheet unknown
B3.3: 0/2 - No identified bank partner (project <€2M, no RF2)
B4 · Structure financière 4.0/15faible
B4.1: 0/5 - Loan-to-Value (ratio prêt/valeur actif) not calculable, land collateral not valued in the file
B4.2: 2/4 - Operator contribution not documented, bank refinancing model provided for
B4.3: 0/4 - No stress test presented, Loan-to-Value (ratio prêt/valeur actif) unknown
B4.4: 2/2 - Land resale + carbon credits model documented
B5 · Pré-commercialisation 3.0/10faible
  • Early-stage activity, no signed agricultural sales contract, no harvest history, partners Timbro and Apply named but without published contracts
  • Portfolio data not communicated
B6 · Permis & Maturité 3.0/5

Forestry activity in progress documented (operational partners, registered land), legal structure present, but licence documents and operating permits not provided in the file

B7 · Marché & Localisation 2.0/3
  • Latvian agricultural market stable, grain harvest growth +15.5% in 2024, solid dairy exports
  • Inflationary and energy risks noted but Latvian forestry/agricultural sector confirmed in development
⚠ Alertes détectées · −0 pts déduits
Plateforme non régulée Déjà comptabilisé dans le score plateforme (A1)

FF Forest platform without verifiable PSFP/ECSP/CIP/IFP licence with FCMC or ESMA - deduction −10 pts

Points forts
✓Forestry assets registered in Latvian Commercial Register, blockchain traceability.
✓Latvian agricultural market documented in growth in 2024.
✓Integrated business model (acquisition, exploitation, reforestation, resale).
✓Named operational partners (Timbro, Apply) with identified specialities.
✓Attractive interest rate of 13.9% for a short duration of 6 months.
Risques identifiés
!FF Forest platform without verifiable independent FCMC or ESMA licence.
!Complete absence of published track record: defaults, delays, realised returns unknown.
!Value of forestry collateral not provided: LTV impossible to calculate.
!Operator confused with platform, no publicly identifiable manager.
!Model dependent on future bank refinancing not contractualised to date.
Score card
Score card — Forest Project 20260106
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