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Forest Project 20260107
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 20260107

Avoid
15
score / 100
Yield
15.5%/yr
Duration
12 months
Min. ticket
500 €
Amount raised
100 k€
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À propos

Loan of EUR 100,000 to FF Forest, Latvian sustainable forestry platform, to finance acquisition of devalued woodland in Latvia, their exploitation and reforestation. The loan is secured by forest assets registered with the Commercial Register of Latvia. Term 12 months, fixed rate 15.5%/year, repayment in fine.

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 · 13.0/75 (16.0 brut, red flags −3)
B1 · Instrument & Structure 4.0/10faible
B1.1: 2/5 - obligation convertible-like without mortgage formally registered
B1.2: 1/3 - Latvian law, minimal documentation, applicable law poorly specified
B1.3: 1/2 - Rank not formally registered, no known documented senior debt
B2 · Opérateur & Track record 2.0/15faible
B2.1: 1/4 - Entity FF Forest named but managing director not clearly identified
B2.2: 0/5 - No documented history in forestry/agriculture
B2.3: 0/3 - No history on platform
B2.4: 1/3 - No procedure identified but operator not traceable on public registers
B3 · Garanties & Sûretés 4.0/15faible
B3.1: 4/9 - Forest assets declared as security in the Latvian Commercial Register, but rank and value not specified
B3.2: 0/4 - Guarantor financial soundness not documented
B3.3: 0/2 - No banking partner identified
B4 · Structure financière 2.0/15faible
B4.1: 0/5 - Loan-to-Value (ratio prêt/valeur actif) not calculable, land/forest collateral without independent valuation
B4.2: 0/4 - No documented equity contribution
B4.3: 0/4 - No stress test, Loan-to-Value (ratio prêt/valeur actif) unknown
B4.4: 2/2 - Forest model with carbon revenues and potential land resales potentially stable
B5 · Pré-commercialisation 1.0/10faible
  • No signed sales contract, no contractualised harvesting, no documented history of agricultural resale
  • Operational phase claimed but without commercial supporting documents
B6 · Permis & Maturité 1.0/5faible

Forest activity in Latvia claimed, registration with Commercial Register mentioned, but no legal document, exploitation licence or forest permit attached or verifiable

B7 · Marché & Localisation 2.0/3
  • Stable Latvian agricultural market with growth in grain yields (+15.5% in 2024)
  • Forestry sector promising but rise in input costs (fertiliser, energy) to monitor
  • Market established regionally
⚠ Alertes détectées · −3 pts déduits
Plateforme non régulée Déjà comptabilisé dans le score plateforme (A1)

FF Forest platform without verified PSFP/ECSP/CIP/IFP licence with FCMC or ESMA - no independent registration confirmed

Rendement élevé sans garantie réelle −3 pts

Rate served 15.5%/year without registered mortgage of confirmed rank - inscribed mortgage or pledge not documented

Points forts
✓Forest assets declared registered with the Commercial Register of Latvia
✓Latvian agricultural market in documented growth in 2024
✓Early exit option after 6 months provided for contractually
✓Blockchain traceability mentioned as additional audit layer
Risques identifiés
!FCMC/ECSP licence not independently confirmed; platform reported as potentially risky
!Value and rank of land security not verifiable, no independent expert report provided
!No financial or operational history of FF Forest available in public registers
!Yield 15.5%/year exceeds AGRI norm (5-10%); absence of registered mortgage confirmed
!No banking partner identified; total dependence on future refinancing not contractualised
Score card
Score card — Forest Project 20260107
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