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Forest Project 20260111
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 20260111

Avoid
2
score / 100
Yield
16.7%/yr
Duration
24 months
Min. ticket
500 €
Amount raised
100 k€
Invest →
À propos

Loan of EUR 100,000 to FF Forest (Riga, Latvia) to buy cleared land. The model provides for timber harvest, reforestation for carbon credits and resale of agricultural parcels. Repayment conditional on future bank refinancing, over 24 months; financing lift at 23%.

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 · 0.0/75 (10.0 brut, red flags −13)
B1 · Instrument & Structure 2.0/10faible
B1.1: 1/5 - RWA loan with buyback, no contract or legal terms
B1.2: 0/3 - Borrower unidentified, platform and operator confused
B1.3: 1/2 - Security claimed, no documented registration
B2 · Opérateur & Track record 2.0/15faible
B2.1: 1/4 - Entity FF Forest named, no manager identified
B2.2: 0/5 - No documented forestry or agricultural experience
B2.3: 0/3 - No published repayment history
B2.4: 1/3 - Latvian registers not consulted, verification required
B3 · Garanties & Sûretés 3.0/15faible
B3.1: 2/9 - Land security not formalised, no mortgage in Zemesgrāmata
B3.2: 1/4 - Buyback guarantor not identified or assessed
B3.3: 0/2 - Future bank refinancing, no commitment
B4 · Structure financière 0.0/15faible
B4.1: 0/5 - Neither land value nor Loan-to-Value (ratio prêt/valeur actif) disclosed
B4.2: 0/4 - Operator contribution not documented
B4.3: 0/4 - No stress test, Loan-to-Value (ratio prêt/valeur actif) unknown
B4.4: 0/2 - No liquidity or revenue data
B5 · Pré-commercialisation 1.0/10faible
  • No wood sales contract, carbon credits contract or land contract
  • No exploitation history presented
B6 · Permis & Maturité 1.0/5faible
  • Plots, cadastre and cutting permits not identified
  • Legal documents absent from file
B7 · Marché & Localisation 1.0/3faible
  • Latvian market stable according to live data
  • No verified comparable forestry land price
⚠ Alertes détectées · −13 pts déduits
Opérateur anonyme −10 pts

No manager named or identifiable in file - operator FF Forest faceless

Plateforme non régulée Déjà comptabilisé dans le score plateforme (A1)

ECSP/FCMC licence claimed but not verifiable in ESMA/FCMC registers

Rendement élevé sans garantie réelle −3 pts

Rate served 16.7% per annum without registered real security (no documented mortgage registration)

Points forts
✓Accessible minimum ticket of EUR 500.
✓Early exit options provided at 6 and 12 months.
✓Registered office address in Riga communicated.
Risques identifiés
!Rate of 16.7% per annum, beyond AGRI standard, without registered security.
!Security cited in Trade Register, not in Latvian land register.
!FF Forest combines platform and operator roles: conflict of interests.
!Repayment dependent on future uncommitted bank refinancing.
!Early exits capped at 90 days in case of high demand.
Score card
Score card — Forest Project 20260111
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