Non identifié (document vide)

Plateforme · 15.0/25

A1 · Statut réglementaire 8.0/8✓ max

agrément AMF licence from AMF valid since 2023
Maximum applicable score without reservation

A2 · Track Record 2.0/6faible

Score adjusted using live data: official rates 0%/0% but documented opacity (borrowers in compulsory liquidation not recorded)
Real statistics unpublishable - default N/C (0), delay N/C (0), yield N/C (0)
Opacity penalty applied
Score: 2/6

A3 · Rigueur de sélection 1.0/4faible

Mention of risk scoring improvements in 2025, but documented financing of borrowers in collective insolvency proceedings indicates historically deficient selection
No selection rate published

A4 · Santé financière 2.0/4

Independent platform, agrément AMF since 2023, outstanding portfolio growing
Lemonway operational blocks documented end 2025
No institutional shareholders
No signal of collective insolvency proceeding on the platform itself

A5 · Protection investisseurs 2.0/3

agrément AMF licensed: reflection period 4 days plus continuity plan = 1 mandatory point
PSP Lemonway third party identified = 1 point (segregation)
Absence of documented secondary market = 0 points

Projet · 0.0/75 (1.0 brut, red flags −10)

B1 · Instrument & Structure 0.0/10faible

B1.1: 0/5 - Instrument not documented, empty document

B1.2: 0/3 - Legal structure not disclosed

B1.3: 0/2 - Repayment ranking not documented

B2 · Opérateur & Track record 0.0/15faible

B2.1: 0/4 - No manager or operator named

B2.2: 0/5 - No financial data or taux de couverture de la dette

B2.3: 0/3 - Platform history not verifiable

B2.4: 0/3 - Operator untraceable, register verification impossible

B3 · Garanties & Sûretés 0.0/15faible

B3.1: 0/9 - No documented guarantee

B3.2: 0/4 - Guarantor not identified

B3.3: 0/2 - No banking partner mentioned; amount unknown, RF2/RF8 not applicable

B4 · Structure financière 0.0/15faible

B4.1: 0/5 - Final debtor not identified

B4.2: 0/4 - Self-financing not documented

B4.3: 0/4 - No stress test

B4.4: 0/2 - Turnover and cash flow not disclosed

B5 · Pré-commercialisation 0.0/10faible

Receivable not verifiable: no debtor, purchase order or contract presented
0/10 by prudence principle

B6 · Permis & Maturité 0.0/5faible

No information on the borrowing company's legal status, age or licences

B7 · Marché & Localisation 1.0/3faible

Live data: French invoice financing market in growth
No element on the sector or final debtor of the project; score limited to 1/3

Points forts

✓Platform holding valid PSFP licence from AMF

✓Investor funds segregated via payment service provider Lemonway

✓French invoice financing market in sustained growth

Risques identifiés

!Empty project document: no analysis of the offer is possible

!Operator, debtor and guarantees not identified in the file

!Platform default statistics deemed opaque according to live data

!Lemonway operational blockages reported end of 2025 on the platform

!E-invoicing reform of September 2026: possible operational disruptions

⚠ Avertissement sur les risques

Investir en crowdfunding comporte un risque de perte partielle ou totale du capital, ainsi qu'un risque d'illiquidité. Selon le baromètre France FinTech / Forvis Mazars 2025, 25 à 30 % des projets accusent un retard de plus de 6 mois et 4 à 6 % entraînent une perte définitive. Ne placez jamais plus de 5 à 10 % de votre patrimoine en crowdfunding et diversifiez sur au moins 10 projets. CrowdPickr est un service d'information indépendant, non agréé en tant que conseiller en investissement. Les analyses présentées ne constituent pas un conseil en investissement personnalisé.