Lavaux Immobilier #3 — 9.5%/an · 36 mois

Plateforme · 15.0/25

A1 · Statut réglementaire 8.0/8✓ max

agrément AMF AMF licence obtained and confirmed
Maximum score

A2 · Track Record 2.0/6faible

Default 6.82% → 3 pts base (range 3-7%)
Delay >90d not published → N/C → 0 pts
Actual vs announced yield not published → N/C → 0 pts
A2 = (3×0.5 + 0×0.3 + 0×0.2) = 1.5 pts, rounded to 2 as cautious measure on partial but published data

A3 · Rigueur de sélection 1.0/4faible

No selection rate published, process not detailed in available data
Established platform (since 2015) → 1 pt

A4 · Santé financière 3.0/4bon

Independent platform, active since 2015 (>3 years), ongoing collection in 2026, no distress signal identified
Risk score 3/5 indicates viability without sign of structural fragility

A5 · Protection investisseurs 1.0/3faible

agrément AMF licence → 4-day cooling-off period and continuity plan legally mandatory → 1 pt minimum guaranteed
Segregated accounts and secondary market not documented in provided data

Projet · 10.0/75

B1 · Instrument & Structure 5.0/10

B1.1: 2/5 - Instrument not specified, direct loan presumed, documentation absent

B1.2: 2/3 - Direct borrowing presumed, French law

B1.3: 1/2 - No known senior debt, ranking not registered

B2 · Opérateur & Track record 3.0/15faible

B2.1: 1/4 - Entity named, no manager identified

B2.2: 0/5 - No financial history provided

B2.3: 1/3 - Reference #3, prior repayments not verified

B2.4: 1/3 - Registers not consulted, verification required

B3 · Garanties & Sûretés 0.0/15faible

B3.1: 0/9 - No guarantee documented in the file

B3.2: 0/4 - No guarantor identified

B3.3: 0/2 - SME non-NBFI, no banking partner mentioned

B4 · Structure financière 0.0/15faible

B4.1: 0/5 - taux de couverture de la dette not communicated

B4.2: 0/4 - Equity contribution not documented

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

B4.4: 0/2 - Margin and taux de couverture de la dette unknown

B5 · Pré-commercialisation 1.0/10faible

SME-NBFI grid: 1/10 - No activity or customer data communicated

B6 · Permis & Maturité 0.0/5faible

SME-NBFI: 0/5 - No information on legal status or length of establishment

B7 · Marché & Localisation 1.0/3faible

B7: 1/3 - French SME credit market stable, rising trend, tightening of credit conditions
Borrower's real estate sector not documented

Points forts

✓Platform licensed PSFP AMF, active since 2015

✓Small amount (54 k€) limiting unit exposure

✓Rate of 9.50% compliant with SME standard

✓Fundraising fully subscribed by 477 lenders

Risques identifiés

!No manager named in the file; identification limited to entity

!No guarantee or joint and several guarantee documented in the file

!No financial data (balance sheet, DSCR, margin) communicated

!History of loans #1 and #2 not verifiable

!Platform default rate of 6.82%, delay rates not published

⚠ 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.