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BienPrêter Invoice financing 🟢 En souscription

Non identifié (document vide)

Avoid
15
score / 100
Min. ticket
—
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À propos

Sécuridock (Milizac, Finistère), SME specialising in industrial closures and dock securing, borrows 167,800 €. Funds finance an accepted quotation of 203,100 € to supply and install SECURI-LOCK blockers on the LOG'S site (DERET group) in Lesquin. The loan runs for 18 months at a rate of 14%, with a joint and several guarantee.

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, document empty
B1.2: 0/3 - Issuer legal structure unknown
B1.3: 0/2 - Repayment ranking not documented
B2 · Opérateur & Track record 0.0/15faible
B2.1: 0/4 - No director named, RF1 triggered
B2.2: 0/5 - No financial data or taux de couverture de la dette
B2.3: 0/3 - Platform history not documented
B2.4: 0/3 - Register verification impossible, operator unknown
B3 · Garanties & Sûretés 0.0/15faible
B3.1: 0/9 - No guarantee documented
B3.2: 0/4 - Guarantor not identified
B3.3: 0/2 - No bank partner documented
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
B4.4: 0/2 - Revenue and cash flow unknown
B5 · Pré-commercialisation 0.0/10faible

Receivable and purchase order not documented: receivable not verifiable, 0/10 as a precaution

B6 · Permis & Maturité 0.0/5faible

No information on the company's legal status or seniority: 0/5

B7 · Marché & Localisation 1.0/3faible

Score adjusted thanks to live data: French invoice financing market in growth, but no data specific to the debtor or sector

⚠ 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 segregated via payment service provider Lemonway
✓French invoice financing market in growth
Risques identifiés
!Empty project document: no verifiable data on the transaction
!Operator, debtor and guarantees not identified in the file
!Platform default statistics deemed opaque by live research
!News research unavailable: absence of incident not confirmed, manual verification required
!Electronic invoicing reform 2026 likely to disrupt operations
Score card
Score card — Non identifié (document vide)
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