Baltis Property trading 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.

Puzzle Atom Beaune

Average

score / 100

Yield

7.5%/yr

Duration

48 months

Min. ticket

100 €

Amount raised

189 k€

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À propos

Acquisition and operation of a micro-housing unit of 9m² located 14 rue de Beaune, Paris 7th arrondissement, by SAS Atom Investissements (joint venture Baltis Group 20% / Atom-Hekaton 80%). The property will be leased to Atom company via civil lease, with monthly redistribution of rents to investors. Target duration 4 years, with possibility of extension up to 6 years, then resale of property with sharing of any capital gain.

Plateforme · 16.4/25

A1 · Statut réglementaire 8.0/8✓ max

Licence agrément AMF AMF fonds propres-2023-30 currently valid, verified in AMF register
Complete regulatory status

A2 · Track Record 2.4/6faible

Score adjusted thanks to live data
Default: 6/6 (0% published final defaults)
Delay >90d: 1.5/6 (28.12% delays - range 30-50%)
Yield: insufficient data on realised vs announced IRR (3/6 by caution)
Formula: (6×0.5 + 1.5×0.3 + 3×0.2) = 3.0 + 0.45 + 0.6 = 4.05, minus 2pts penalty incomplete statistics = 2.4/6
CrowdRevolt mentions documented on problematic projects (CRAPONNE), organised investors

A3 · Rigueur de sélection 2.0/4

Mention of a documented selection process (prior audits mentioned in context) but selection rate not published
Credibility affected by 28.12% delays and projects in collective insolvency proceedings despite initial audits

A4 · Santé financière 3.0/4bon

Backed by Magellim Group (4.2bn euro AUM), solid institutional shareholder guaranteeing platform viability
Share capital 75K euro (low) but group structure compensates
No platform distress signal identified
High delay rate (28.12%) does not penalise A4 (measured in A2)

A5 · Protection investisseurs 1.0/3faible

agrément AMF licence: 4 day reflection period plus mandatory continuity plan = 1pt minimum guaranteed
Payment service provider not documented in this data (0pt escrow)
No operational secondary market identified (0pt)

Projet · 40.0/75 (43.0 brut, red flags −3)

B1 · Instrument & Structure 8.0/10bon

B1.1: 5/5 - Simple bonds fixed rate, clear French law

B1.2: 2/3 - société dédiée (SPV) SAS Atom Investissements dedicated, but created 02/2025 with capital €1K, nested group

B1.3: 1/2 - First-ranking mortgage mentioned but not formally registered as at file date

B2 · Opérateur & Track record 8.0/15

B2.1: 4/4 - Alexandre Toussaint appointed, identifiable on LinkedIn, Thierry Vignal co-manager Atom

B2.2: 2/5 - Atom specialist micro-housing Paris, some documented operations but limited track record in property trading

B2.3: 1/3 - First operation format on Baltis, reputation on other platforms

B2.4: 1/3 - Atom Investissements created 02/2025, capital €1K, no accounts available, structurally strained accounts

B3 · Garanties & Sûretés 9.0/15

B3.1: 9/9 - First-ranking mortgage mentioned in summary and KBIS (articles object)

B3.2: 0/4 - Guarantor société dédiée (SPV) Atom Investissements capital €1K, no accounts, no verifiable equity. Baltis Group capital €561K, guarantor solidity insufficient

B3.3: 0/2 - No banking partner; project <€2M therefore not RF2

B4 · Structure financière 6.0/15faible

B4.1: 2/5 - Loan-to-Value (ratio prêt/valeur actif) not calculable (fair value unknown); project 100% financed by crowdfunding on property trading, operator self-financing nil, therefore prudence 2/5

B4.2: 0/4 - 100% participatory financing, 0% documented operator equity contribution

B4.3: 2/4 - No stress test but micro-asset Paris 7th arrondissement, Loan-to-Value (ratio prêt/valeur actif) on market value probably correct

B4.4: 2/2 - Atom guaranteed rent civil lease, para-hotel model Paris 7th with RevPAR €180

B5 · Pré-commercialisation 5.0/10

Civil lease signed with Atom on day of acquisition (indicated in summary)
Single identified tenant (Atom), firm commitment but on entity with capital €1K
Property trading: lease signed = strong commitment, but 100% concentration on single fragile tenant

B6 · Permis & Maturité 4.0/5bon

Land in process of acquisition (crowdfunding financing for acquisition)
Interior optimisation works planned (kitchen, smart lock, air conditioning) - do not constitute a building permit
Property trading: land not yet secured at time of fundraising, light works requiring no building permit

B7 · Marché & Localisation 3.0/3✓ max

Paris 7th arrondissement within city limits, premium market, RevPAR €180 (+4% 2025), strong rental demand, constrained supply
Live data confirm Paris hotel/para-hotel market on rise
Rising trend confirmed

⚠ Alertes détectées · −8 pts déduits

Aucune garantie réelle sur ce projet −5 pts

No real security documented as registered as at date - ATTENTION: mortgage mentioned in summary but not yet registered at conservatory; B3.1 scored 9/5 on promise of registration. CORRECTION: RF8 not triggered as B3.1 > 0 (promised mortgage documented in articles and summary).

Terrain pas encore acheté −3 pts

Land not yet secured at time of fundraising (acquisition financed by fundraising) - Property trading: -3 pts

Points forts

✓First-ranking mortgage planned on asset Paris 7th arrondissement, very liquid prime market.

✓Simple bonds French law, dedicated SPV legal structure.

✓Civil lease signed with Atom on acquisition, immediate rental income.

✓Paris para-hotel market on strong rise, RevPAR +4% in 2025.

✓Entry ticket €100, monthly coupons, eligible PEA-SME.

Risques identifiés

!SPV Atom Investissements created February 2025, capital €1K, no accounts available - guarantor solidity nil.

!100% participatory financing, zero documented operator equity contribution on this project.

!Tenant concentration 100% on Atom (recent entity, capital €1K) - Atom default = no rental income.

!First-ranking mortgage not confirmed registered at conservatory as at file date.

!Baltis platform delay rate at 28% - degraded recovery history.

⚠ 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.