Čeponis Domantas — Prêt agricole fonds de roulement (LANDE) — 13.0%/an · 20 mois

Plateforme · 19.8/25

A1 · Statut réglementaire 8.0/8✓ max

ECSP passport obtained in February 2024, regulation by Latvijas Banka (Latvian FCMC authority), status verified and recognised under EU Regulation 2020/1503

A2 · Track Record 4.3/6

Default rate 3.6% → 4.5 pts (1-3%)
Delay rate >90d 4.75% → 6 pts (<5%)
Actual yield vs announced not disclosed → 0 pts (N/C)
Calculation: (4.5×0.5 + 6×0.3 + 0×0.2) = 4.05
Penalty −2 pts for incomplete statistics avoided as default/delay data published
Score adjusted thanks to live data: delay rate 4.75% used directly
Final: 4.3/6

A3 · Rigueur de sélection 2.0/4

Selection process mentioned with documented improvement in underwriting standards, but no selection rate published nor complete description of analysis committee

A4 · Santé financière 3.0/4bon

Independent platform with €22M portfolio managed, revenues €1.9M in 2024, trust from institutional investors, >3 years in existence
Score adjusted thanks to live data: NPL 8.8% in recovery signals portfolio quality tension but does not threaten platform survival

A5 · Protection investisseurs 2.5/3bon

ECSP licence imposes 4-day reflection period and continuity plan (1 mandatory pt)
Real property collateral with average Loan-to-Value (ratio prêt/valeur actif) 37-43% and recovery mechanism on agricultural land documented (1 pt)
No secondary market identified (0.5 pt partial as recovery mechanism exists)

Projet · 47.0/75

B1 · Instrument & Structure 8.0/10bon

B1.1: 5/5 - Direct loan ECSP Latvian law clear

B1.2: 2/3 - Direct borrowing natural person, recognised EU law

B1.3: 1/2 - Pledge of machinery claimed, official registration not confirmed

B2 · Opérateur & Track record 7.0/15faible

B2.1: 2/4 - Manager appointed (Čeponis Domantas), no identifiable public profile

B2.2: 2/5 - Active farmer 70 ha, Lithuanian number not verified in Latvian register

B2.3: 0/3 - No history documented on LANDE

B2.4: 3/3 - No proceedings, healthy balance sheet (debts 56,650 EUR, assets 601,518 EUR)

B3 · Garanties & Sûretés 9.0/15

B3.1: 6/9 - Pledge of Manitou machinery 2024 valued 78-82k EUR, independent expert assessment LĪVA

B3.2: 1/4 - Natural person, limited documented assets

B3.3: 0/2 - No banking partner, project <2M EUR (no RF2)

B4 · Structure financière 10.0/15

B4.1: 4/5 - Loan-to-Value (ratio prêt/valeur actif) 50% on machinery (collateral rapid depreciation, threshold 50-60%)

B4.2: 3/4 - Own machinery collateral substantial

B4.3: 2/4 - No stress test, Loan-to-Value (ratio prêt/valeur actif) 50% partially compensates

B4.4: 1/2 - Net margin 121% on turnover 62k EUR, liquidity ratio to verify

B5 · Pré-commercialisation 6.0/10

Active farmer, CAP beneficiary (EAGF/EAFRD) documented, wheat/rapeseed harvest history
No signed sales contract
Score 6/10: stable CAP history, no formalised crop sales contract

B6 · Permis & Maturité 5.0/5✓ max

Agricultural activity established >2 years, sound legal structure, PAC financing ongoing
Legal documents in order per file

B7 · Marché & Localisation 2.0/3

Stable Lithuanian agricultural market, normalised grain/rapeseed prices post-2023
Stable demand for wheat/rapeseed in EU
No decline signal
Score 2/3: established market, persistent climate uncertainty and input costs

Points forts

✓LTV 50% on new machinery 2024, independent expert assessment LĪVA certified.

✓Borrower balance sheet healthy: assets 601k EUR, debts 56k EUR, net profitability 121%.

✓CAP beneficiary (EAGF/EAFRD), agricultural income partially secured.

✓LANDE platform licenced ECSP, collateral recovery process documented.

✓Manitou loader 2024 highly liquid on European agricultural second-hand market.

Risques identifiés

!Lithuanian registration number (39708011434) not verified in Latvian register.

!Machinery collateral: rapid depreciation, no land guarantee.

!No borrower repayment history on LANDE or other platform.

!Absence of crop sales contract; revenues depend on spot grain prices.

!Yield 13%/year above AGRI norm (5-10%); to monitor without registered real guarantee.

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