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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 undocumented, empty document

B1.2: 0/3 - Legal structure and issuer unknown

B1.3: 0/2 - Repayment rank undocumented

B2 · Opérateur & Track record 0.0/15faible

B2.1: 0/4 - No manager named in the file

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 - Operator not identifiable in registers

B3 · Garanties & Sûretés 0.0/15faible

B3.1: 0/9 - No security documented

B3.2: 0/4 - Guarantor non-existent or not assessed

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 - Contract self-financing unknown

B4.3: 0/4 - No stress test presented

B4.4: 0/2 - Revenue and cash position not disclosed

B5 · Pré-commercialisation 0.0/10faible

Receivable, purchase order and debtor not verifiable: blank document
Prudence principle applied

B6 · Permis & Maturité 0.0/5faible

No information on the company's legal status, length of operation or licences

B7 · Marché & Localisation 1.0/3faible

Score adjusted using live data: French invoice financing market growing, 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 growing according to live data

Risques identifiés

!Blank document: no verifiable project, operator or debtor data

!Security, amount and rate unknown; RF8 and RF10 not assessable

!Debtor concentration unknown; RF9 risk not assessable

!Platform statistical opacity on borrowers in compulsory liquidation

!Lemonway operational blockages reported end 2025

⚠ 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.