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Forest Project 20260108
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 20260108

Avoid
13
score / 100
Yield
15.5%/yr
Duration
12 months
Min. ticket
500 €
Amount raised
150 k€
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À propos

Loan of EUR 150,000 over 12 months to FF Forest, Latvian company specialising in acquisition and sustainable forest management in Latvia. Model consists of acquiring undervalued deforested land, exploiting it, reforesting to generate carbon credits, then reselling to farmers. Loan secured by forest assets registered with Latvian Commercial Register.

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 · 11.0/75 (14.0 brut, red flags −3)
B1 · Instrument & Structure 3.0/10faible
B1.1: 2/5 - obligation convertible/hybrid loan without formally registered real security
B1.2: 1/3 - Issuer = direct operator, Latvian law poorly documented
B1.3: 0/2 - Rank undocumented, senior debt not excluded
B2 · Opérateur & Track record 3.0/15faible
B2.1: 1/4 - One named person (Morgan Yvon Charles D.) without verifiable public profile
B2.2: 0/5 - No documented forestry or agricultural operating history
B2.3: 0/3 - First operation, no platform history
B2.4: 2/3 - No known proceedings, but information very limited
B3 · Garanties & Sûretés 3.0/15faible
B3.1: 3/9 - Forest land registered with Latvian Commercial Register, but rank and enforcement modality not specified
B3.2: 0/4 - Guarantor financial soundness not documented
B3.3: 0/2 - No banking partner identified
B4 · Structure financière 1.0/15faible
B4.1: 0/5 - Loan-to-Value (ratio prêt/valeur actif) not calculable, forest collateral without independent valuation
B4.2: 0/4 - No documented equity contribution
B4.3: 0/4 - No stress test presented, Loan-to-Value (ratio prêt/valeur actif) unknown
B4.4: 1/2 - Reforestation/resale model described but no margin figures provided
B5 · Pré-commercialisation 1.0/10faible
  • No harvest sale contract or CAP payment documented
  • No parcel sale history
  • Portfolio data not communicated
  • First cycle apparent
B6 · Permis & Maturité 1.0/5faible

Recent activity, mention of registration with Latvian Commercial Register but no verifiable forestry licence or exploitation authorisation provided in file

B7 · Marché & Localisation 2.0/3
  • Stable Latvian agricultural market, documented productivity growth, 2024 harvest up 15.5%
  • Inflation/energy risks limited in short term
⚠ Alertes détectées · −3 pts déduits
Plateforme non régulée Déjà comptabilisé dans le score plateforme (A1)

FF Forest platform without verifiable PSFP/ECSP/CIP/IFP licence - FCMC compliance not confirmed by official register.

Rendement élevé sans garantie réelle −3 pts

Rate paid 15.5% per annum without registered real security with documented rank (registered mortgage not confirmed).

Points forts
✓Latvian agricultural market in growth, 2024 harvest notably up.
✓Registration declared with Latvian Commercial Register for forest land.
✓Early exit mechanism after 6 months documented.
✓Blockchain traceability declared for asset audit.
Risques identifiés
!Platform without verified PSFP/ECSP licence, investor protection not guaranteed.
!No published performance statistics, platform history unknown.
!Land guarantee not independently valued, LTV incalculable.
!Operator without documented forestry or agricultural track record.
!Rate of 15.5% per annum without formally registered and verified first-rank security guarantee.
Score card
Score card — Forest Project 20260108
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