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Forest Project 20260110
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 20260110

Avoid
4
score / 100
Yield
13.9%/yr
Duration
6 months
Min. ticket
500 €
Amount raised
50 k€
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À propos

6-month loan at 13.9%/year on FF Forest platform (Riga, Latvia) to finance acquisition and management of deforested forest land in Latvia. Project includes harvesting, reforestation and carbon credit generation. Security consists of forest land registered at 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 · 2.0/75 (20.0 brut, red flags −18)
B1 · Instrument & Structure 5.0/10
B1.1: 2/5 - obligation convertible/loan without clear legal structure, instrument not qualified
B1.2: 2/3 - Direct operator borrowing, EU Latvian law recognised but light documentation
B1.3: 1/2 - Rank not formally registered, no senior debt identified
B2 · Opérateur & Track record 3.0/15faible
B2.1: 1/4 - FF Forest entity named, director not publicly identified (no name, LinkedIn profile absent)
B2.2: 0/5 - No agricultural/forestry experience documented for operator
B2.3: 0/3 - No history on any platform
B2.4: 2/3 - No procedure identified but financial data not verifiable
B3 · Garanties & Sûretés 3.0/15faible
B3.1: 3/9 - Forest land registered at Latvian Commercial Register mentioned, but exact type of security (mortgage, pledge) not specified; formal registration not confirmed
B3.2: 0/4 - Guarantor strength not assessable, no financial data
B3.3: 0/2 - No banking partner identified (<€2M, no RF2)
B4 · Structure financière 4.0/15faible
B4.1: 0/5 - Loan-to-Value (ratio prêt/valeur actif) not calculable, no land valuation provided
B4.2: 0/4 - No equity contribution documented
B4.3: 0/4 - No stress test, no financial data
B4.4: 4/2 - No data on cash flow or liquidity ratio. Score capped: 0+0+0+0=0; adjusted to 4 for mention of real registered asset
B5 · Pré-commercialisation 1.0/10faible
  • No harvest sale contract signed, no agricultural/forestry cycle history documented
  • First cycle apparent, subsidies not mentioned
  • Score 1/10 (startup, no history)
B6 · Permis & Maturité 3.0/5
  • Forest activity registered at Latvian Commercial Register, legal structure apparently constituted
  • Recent activity and documents not fully verifiable
  • Score 3/5 by default for activity in progress
B7 · Marché & Localisation 1.0/3faible
  • Latvian agricultural market stable, modest growth documented
  • Stable trend confirmed, but specific data on forest land valuation absent
  • Secondary market illiquid for this type of asset
⚠ Alertes détectées · −15 pts déduits
Opérateur anonyme −10 pts

Anonymous operator - no named and identifiable director in file (−10 pts)

Aucune garantie réelle sur ce projet −5 pts

No formally registered real security documented on this €50,000 loan - security mentioned but not qualified (−5 pts)

Points forts
✓Real asset (forest land) registered at Latvian Commercial Register
✓Latvian agricultural market in documented modest growth
✓Short duration (6 months) limiting temporal exposure
Risques identifiés
!Platform without confirmed ECSP/PSFP licence: no FCMC or ESMA register validates compliance
!Anonymous operator: no identifiable director, no documented sectoral experience
!Unqualified security: 'registered forest land' without specification of type of security or rank
!Total absence of financial data: LTV, equity, DSCR, balance sheets not communicated
!Return of 13.9%/year - above AGRI norm (5-10%); verify that securities compensate
Score card
Score card — Forest Project 20260110
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