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BienPrêter Invoice financing 🟢 En souscription

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À propos

GLOCKE PISCINE GmbH (Delitzsch, Germany) is seeking financing for a purchase order of 884,600 € excluding VAT. It concerns the renovation of the Seestern aquatic facility at Seepark Auenhain in Markkleeberg. The loan of 539,998 € over 12 months covers approximately 61 % of the purchase order, with monthly interest and capital due at maturity. The purchase order is presented as 'proposed', with no signed purchase order attached.

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, empty document
B1.2: 0/3 - Legal structure unknown
B1.3: 0/2 - Repayment rank not documented
B2 · Opérateur & Track record 0.0/15faible
B2.1: 0/4 - No manager appointed in the file
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 - Operator not identifiable on registers
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 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 - Turnover and cash flow not disclosed
B5 · Pré-commercialisation 0.0/10faible

Receivable and purchase order not documented; receivable not verifiable

B6 · Permis & Maturité 0.0/5faible

No information on legal status or business history

B7 · Marché & Localisation 1.0/3faible

French invoice financing market in growth (live), but no project data on sector or debtor

⚠ Alertes détectées · −10 pts déduits
Opérateur anonyme −10 pts

No director or operator named in the transmitted file - −10 pts

Points forts
✓Platform holding valid PSFP licence from AMF
✓Investor funds segregated via third-party PSP Lemonway
✓French invoice financing market in growth
Risques identifiés
!Blank project document: no verifiable data on the transaction.
!Operator, debtor and amount not identified in the file
!Guarantees not documented; RF8 not evaluable due to unknown amount
!Opacity of platform default statistics (live data)
!Lemonway operational blockages end 2025 reported on platform
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