MDB - Terrain - Coulommiers — 11.8%/an · 16 mois

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 · 17.0/75 (20.0 brut, red flags −3)

B1 · Instrument & Structure 8.0/10bon

B1.1: 5/5 - Direct ECSP loan; 'invoice financing' wording incoherent

B1.2: 2/3 - Direct borrowing by operator, no dedicated société dédiée (SPV)

B1.3: 1/2 - Mortgage not registered, rank not specified

B2 · Opérateur & Track record 3.0/15faible

B2.1: 2/4 - President appointed, no profile provided

B2.2: 0/5 - Company created in 2024, no documented operations

B2.3: 0/3 - No documented history on the platform

B2.4: 1/3 - No financial figures; registers not verified

B3 · Garanties & Sûretés 6.0/15faible

B3.1: 5/9 - Joint and several guarantee; mortgage without rank or documented registration

B3.2: 1/4 - Guarantor not identified or financially evaluated

B3.3: 0/2 - No banking partner (<2M€, without red flag)

B4 · Structure financière 0.0/15faible

B4.1: 0/5 - Acquisition price and value not disclosed

B4.2: 0/4 - Equity contribution not documented

B4.3: 0/4 - No stress test, Loan-to-Value (ratio prêt/valeur actif) unknown

B4.4: 0/2 - Resale price and margin absent

B5 · Pré-commercialisation 2.0/10faible

Interest of an unnamed operator, no written commitment
Resale subject to non-finalised conditions
Building land in Ile-de-France: relatively liquid product

B6 · Permis & Maturité 0.0/5faible

Land not yet acquired: financing serves to fund acquisition
No urban planning authorization mentioned
RF6 triggered

B7 · Marché & Localisation 1.0/3faible

Coulommiers, medium-sized town in Seine-et-Marne: stable secondary market
Live data: stable national trend
No exit price or comparable provided

Points forts

✓Joint and several guarantee and conventional mortgage announced

✓Amount limited to 153,000 €

✓Appointed manager: Deurguene Mbaye, President

✓Platform licensed as PSFP by AMF, segregated funds via Lemonway.

✓Building land in urban zone of Ile-de-France

Risques identifiés

!Operator created in February 2024, no financial history or documented operation

!Land not acquired; acquisition price and resale price not disclosed

!Final acquirer unnamed, interest not formalised in writing

!Mortgage rank and registration not specified; guarantor not identified

!Instrument described as 'invoice financing', incoherent with a property trader operation

⚠ 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.