Non identifié (document vide)

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, blank document

B1.2: 0/3 - issuer and structure unknown

B1.3: 0/2 - repayment rank not documented

B2 · Opérateur & Track record 0.0/15faible

B2.1: 0/4 - no manager or entity identified

B2.2: 0/5 - no financial data (taux de couverture de la dette)

B2.3: 0/3 - platform history unknown

B2.4: 0/3 - register verification impossible

B3 · Garanties & Sûretés 0.0/15faible

B3.1: 0/9 - no security documented

B3.2: 0/4 - guarantor not identified

B3.3: 0/2 - no banking partner mentioned. RF8 not applied: amount unknown

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 flow not disclosed

B5 · Pré-commercialisation 0.0/10faible

Receivable, debtor and purchase order not documented: receivable not verifiable, 0/10 as a matter of prudence

B6 · Permis & Maturité 0.0/5faible

No information on the legal situation of the borrowing company: 0/5

B7 · Marché & Localisation 1.0/3faible

Score adjusted thanks to live data: French factoring market in growth, but debtor sector and location unknown

Points forts

✓Platform holding valid PSFP licence from AMF

✓Investor funds managed via third-party PSP Lemonway

✓French invoice financing market in growth

Risques identifiés

!Project document empty: no exploitable data for analysis

!Operator and managers not identifiable; RF1 to verify upon receipt of file

!Securities, debtor and concentration not documented; RF8/RF9 to verify

!Opacity of platform default statistics according to live data

!Lemonway operational blockages reported end 2025

⚠ 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.