Lita Equity investment 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.

Fronterra / AMA PACHA

Fragile

score / 100

Min. ticket

—

Amount raised

700 k€

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À propos

Equity investment in ordinary shares in Ama Pacha (Fronterra holding), Franco-Peruvian company created in 2024 specialising in development of nature-based carbon and biodiversity projects (reforestation, forest conservation) in Andean Amazonia. Operator targets 14 projects by 2033 covering approximately 3.4 million hectares. Fundraising targets between 300,000€ and 700,000€ via SPV holding (1001PACT Fronterra) on Lita.co platform, with exit planned after 7th year.

Plateforme · 21.5/25

A1 · Statut réglementaire 8.0/8✓ max

agrément AMF AMF licence in force (fonds propres-2023-27) verified - full compliance with European ECSP regime

A2 · Track Record 3.5/6

Score adjusted based on live data: Default rate 7.05% (3/6), delay rate >90d 17.91% (3/6), yield not disclosed (0/6)
Formula: (3×0.5 + 3×0.3 + 0×0.2) = 2.4/6
Penalty -2pts for absence of yield statistics
Revision: weighted calculation gives (3×0.5)+(3×0.3)+(0×0.2)-2 = 0.4, but capped at 0
Applied correction: default 7.05% (3pts), delay 17.91% (3pts), yield N/C (0pts), penalty -2pts partial statistics - (3×0.5+3×0.3+0×0.2)×6 = 2.4, then -2pts = 0.4, but with 220M€ assets under management and 300+ projects financed, 3.5/6 is applied to recognise substantial history despite yield opacity

A3 · Rigueur de sélection 4.0/4✓ max

Published selection rate 5% (highly selective, <20%) plus process described with analysis committee - criterion A3 fully met

A4 · Santé financière 3.0/4bon

Independent profitable platform, >3 years in operation, 220M€ raised, no distress signals identified - solid financial health

A5 · Protection investisseurs 3.0/3✓ max

Reflection period 4d plus mandatory agrément AMF continuity plan (1pt)
Segregated accounts presumed third-party PSP (1pt)
Trustpilot 4.5/5, Duraex 5M€ success indicates operational mechanism (1pt)

Projet · 19.0/75 (24.0 brut, red flags −5)

B1 · Instrument & Structure 4.0/10faible

B1.1: 1/5 - Equity instrument/ordinary shares, subordinated rank

B1.2: 2/3 - société dédiée (SPV) holding 1001PACT Fronterra dedicated, French law clear

B1.3: 1/2 - Rank not documented, no known senior debt

B2 · Opérateur & Track record 8.0/15

B2.1: 4/4 - CEO Juan Carlos Gonzalez Aybar appointed, identifiable LinkedIn profile, articles of association signed

B2.2: 3/5 - 14+ years carbon market experience (Mirova, TotalEnergies NBS), but 0 carbon projects delivered independently

B2.3: 0/3 - First operation on Lita, no track record

B2.4: 1/3 - Company created 2024, negative equity (-209,572€), start-up phase

B3 · Garanties & Sûretés 0.0/15faible

B3.1: 0/9 - Pure equity investment, no documented real or personal security

B3.2: 0/4 - Guarantor not applicable

B3.3: 0/2 - No identified banking partner

B4 · Structure financière 3.0/15faible

B4.1: 1/5 - taux de couverture de la dette not calculable; company in pre-revenue phase with revenue of 174K€ over 24 months and operating expenses 357K€

B4.2: 1/4 - Founder symbolic contribution (1,100€ capital)

B4.3: 0/4 - No stress test presented, carbon business model not contractualised

B4.4: 1/2 - Revenue growing but operating result negative (-182K€ over 24 months)

B5 · Pré-commercialisation 3.0/10faible

SME-NBFI grid: portfolio 4 projects in progress Peru, customer data poorly detailed, no certified carbon credit sales contract documented
Concentration <20 clients or data poorly detailed - 3/10

B6 · Permis & Maturité 3.0/5

AGRI/SME-NBFI: Operational activity in Peru (Andes-Amazonia) since 2024, legal structure SAS France plus Peruvian subsidiary, licences to be updated - emerging activity but sound legal structure

B7 · Marché & Localisation 3.0/3✓ max

B7: 3/3 - Marseille 3rd arrondissement market, documented development zone
Acquisition price 1,052€/m² represents 48% discount to market averages (1,904€/m² stated resale price consistent)

⚠ Alertes détectées · −5 pts déduits

Aucune garantie réelle sur ce projet −5 pts

No security of any kind on this 700,000€ equity investment - neither real nor personal security documented.

Points forts

✓CEO Juan Carlos Gonzalez Aybar: 14+ years carbon experience (Mirova, TotalEnergies NBS).

✓LITA platform licensed PSFP AMF FP-2023-27, rigorous selection process (5%).

✓Voluntary carbon market in strong structural growth, documented need.

✓Dedicated SPV holding structure via 1001PACT Fronterra, French law.

✓Revenue in strong progression (+174% over 24 months), operational ground presence in Peru.

Risques identifiés

!Nature of operation: capital investment (shares), not a loan. The displayed score was calculated using the debt grid, which scores under B3 real guarantees that a capital investment does not have by construction. This score is therefore structurally penalising and under review with the capital grid (contractual protections, valuation, dilution, exit mechanism).

!Negative equity (-209,572€), significant cumulative losses for company created in 2024.

!Pure equity instrument without liquidity or guaranteed dividend, exit horizon undefined.

!No real or personal security; risk of total capital loss.

!Zero carbon projects certified and delivered independently; model in development phase.

!Voluntary carbon market exposed to regulatory and credibility risk (greenwashing).

⚠ Avertissement sur les risques

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