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BienPrêter Invoice financing 🟢 En souscription

Non identifié (document vide)

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16
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À propos

Financing by Metro Therm A/S (Helsinge, Denmark) of the manufacture of 320 thermodynamic water heaters intended for John Jensen VVS A/S for residential renovations in Denmark. The proposed order amounts to 1,164,800 € excluding VAT, delivered in three lots. The loan of 597,200 € over 17 months is accompanied by a personal guarantee and a payment delegation.

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 · 1.0/75
B1 · Instrument & Structure 0.0/10faible
B1.1: 0/5 - Instrument not documented, empty document
B1.2: 0/3 - Issuer and legal structure unknown
B1.3: 0/2 - Repayment ranking not documented
B2 · Opérateur & Track record 0.0/15faible
B2.1: 0/4 - No identifiable manager, empty document
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 - Judicial verification impossible, search unavailable
B3 · Garanties & Sûretés 0.0/15faible
B3.1: 0/5 - No documented guarantee
B3.2: 0/4 - Guarantor not identified
B3.3: 0/2 - No banking partner mentioned
B4 · Structure financière 0.0/15faible
B4.1: 0/5 - Final debtor not identified
B4.2: 0/4 - Self-financing unknown
B4.3: 0/4 - No stress test
B4.4: 0/2 - Revenue and cash position not disclosed
B5 · Pré-commercialisation 0.0/10faible

INVOICE Grid: 0/10 - Receivable not verifiable, no purchase order or debtor identified

B6 · Permis & Maturité 0.0/5faible

INVOICE Grid: 0/5 - No information on the borrower's legal situation

B7 · Marché & Localisation 1.0/3faible
  • Adjusted score thanks to live data: French invoice financing market in growth
  • Project not localised and debtor unknown, hence score limited to 1/3
Points forts
✓Platform holding a valid PSFP AMF licence
✓Investor funds segregated via third-party payment provider Lemonway
✓French invoice financing market in sustained growth
Risques identifiés
!Empty project document: no exploitable data, analysis to be redone with complete file
!Operator, debtor and guarantees impossible to identify in the file provided
!Web search unavailable: operator's judicial history not verified
!Opacity of platform default statistics, liquidated borrowers not counted
!Lemonway operational blockages end 2025 reported on platform
Score card
Score card — Non identifié (document vide)
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