← Retour aux projets
Non communiqué
BI
BienPrêter Invoice financing 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.

Non communiqué

Avoid
15
score / 100
Min. ticket
—
Invest →
À propos

JMF PROMOTION (SARL, Cagnes-sur-Mer) is executing a residential development of 18 dwellings and 24 parking spaces at Saint-Laurent-du-Var on behalf of Brioschi Sviluppo Immobiliare S.p.A., an Italian listed company owning the land. This is an invoice financing (work order of 2,364,000 €), final repayment at 24 months, rate 15.6%/year. Securities: joint and several guarantee and payment delegation on Brioschi settlements.

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 unknown
B1.3: 0/2 - Repayment rank not documented
B2 · Opérateur & Track record 0.0/15faible
B2.1: 0/4 - No manager named in the file
B2.2: 0/5 - No taux de couverture de la dette data or history
B2.3: 0/3 - Platform history not documented
B2.4: 0/3 - Operator not identifiable, verification impossible
B3 · Garanties & Sûretés 0.0/15faible
B3.1: 0/9 - No guarantee documented
B3.2: 0/4 - No guarantor identified
B3.3: 0/2 - No banking 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 presented
B4.4: 0/2 - No turnover or cash flow data
B5 · Pré-commercialisation 0.0/10faible

Debt not verifiable: no debtor, purchase order or amount documented

B6 · Permis & Maturité 0.0/5faible

No information on legal status or business history

B7 · Marché & Localisation 1.0/3faible

Adjusted score thanks to live data: French invoice financing market in growth, but project sector and debtor unknown

⚠ Alertes détectées · −10 pts déduits
Opérateur anonyme −10 pts

No manager named in the file (empty document) - operator not identifiable

Points forts
✓Platform holding valid PSFP licence from AMF
✓Investor funds managed via third-party PSP Lemonway
✓French invoice financing market in growth
Risques identifiés
!Empty project document: no analysable data on the operation
!Operator, debtor and guarantees impossible to identify or verify
!Opacity of platform default statistics flagged
!Lemonway operational blockages end of 2025 documented on the platform
!e-invoicing reform September 2026 potentially disrupting debt flows
Score card
Score card — Non communiqué
↓ Download
Voir toute l'analyse BienPrêter →
Autres projets sur BienPrêter
Travaux CHRU Florence Invoice financing 70/100 Promotion immobilière Beausoleil 3 Property trading 65/100 Commande Teatro Donizetti Invoice financing 63/100 Commande INVL Invoice financing 60/100
⚠ 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.