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À propos

Invoice financing of EUR 218,600 over 18 months for BOURDALOUE (SAS catering business, Paris 9th arrondissement), within the scope of a bistronomic event catering contract with Comet Group (meeting/seminar spaces, revenue EUR 35M). Financing covers food purchases, equipment and logistics for execution of an order for EUR 486,400. Capital repayment at maturity, monthly interest, guarantees: joint and several guarantee plus payment delegation on Comet receivables.

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 identified

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

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

B2.4: 0/3 - Verification of registers impossible without identity

B3 · Garanties & Sûretés 0.0/15faible

B3.1: 0/9 - No guarantee documented

B3.2: 0/4 - Guarantor not identified

B3.3: 0/2 - No bank partner mentioned

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

Claim not verifiable: no purchase order, debtor or contract in the file

B6 · Permis & Maturité 0.0/5faible

No information on the legal status or history of the company

B7 · Marché & Localisation 1.0/3faible

Score adjusted thanks to live data: French factoring market in growth, but no sector data specific to the project

Points forts

✓Platform holding a valid PSFP licence from the AMF

✓Investor funds segregated via payment service provider Lemonway

✓French invoice financing market in growth

Risques identifiés

!Empty project document: no analysable data on the operation

!Operator, debtor and claim impossible to identify or verify

!Guarantees, rate, term and amount not disclosed

!Platform opaque on defaults, borrowers in compulsory liquidation not accounted for

!Electronic invoicing reform 2026 potentially disrupting claim flows

⚠ 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.