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MCEL NOVA SPARK
EN
Enerfip Renewable energy Financé
Ce projet est clôturé. L'analyse ci-dessous reflète les informations disponibles au moment de la souscription et n'a pas été mise à jour.

MCEL NOVA SPARK

Average
58
score / 100
Yield
8.0%/yr
Duration
48 months
Min. ticket
50 €
Amount raised
1 M€
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À propos

Mezzanine financing of a portfolio of 5 photovoltaic canopies and 1 ground-mounted photovoltaic project for total capacity of 6,011 MWc, held by MCEL NOVA SPARK (subsidiary of MCEL ENERGY). Financing is in two tranches, the first tranche targeting 1,035,000€ out of 1,700,000€ total. Projects are at various stages: one in COD (Petit Renard), four in RTB, one in development (Camping Cars).

Plateforme · 21.0/25
A1 · Statut réglementaire 8.0/8✓ max

Enerfip holds AMF licence agrément AMF fonds propres-2022-2 currently valid (verified against AMF register)

A2 · Track Record 6.0/6✓ max
  • Score adjusted based on live data: default rate 0.0%, delay rate 0.5%, target IRR consistent with announcements
  • Exceptional ENR history → 6/6
A3 · Rigueur de sélection 3.0/4bon
  • Selection process documented with internal committee and technical/financial analysis
  • Selection rate not published
A4 · Santé financière 3.0/4bon
  • Score adjusted based on live data: platform profitable (€773K profit 2024), >7 years existence, healthy growth €700M+ financed, no distress signal
  • Lumo acquisition 2025 strengthens position
A5 · Protection investisseurs 1.0/3faible
  • 4-day cooling-off period mandatory for agrément AMF (1 point minimum)
  • No secondary market mentioned
  • Segregated accounts not documented
Projet · 37.0/75
B1 · Instrument & Structure 8.0/10bon
B1.1: 5/5 - Simple obligations fixed rate, clear French law
B1.2: 2/3 - Direct issuer MCEL NOVA SPARK, French law, no separate dedicated société dédiée (SPV)
B1.3: 1/2 - Senior rank claimed, pledge of shares, no documented senior debt
B2 · Opérateur & Track record 5.0/15faible
B2.1: 2/4 - Nicolas Douchet and Maarten de Haas appointed, CVs in annex, profiles not publicly verified
B2.2: 2/5 - MCEL Energy founded 2025, experienced renewable energy team claimed, 0 MW connected documented
B2.3: 0/3 - First platform transaction
B2.4: 1/3 - Company registered Nov 2025, no accounts available, judicial verification impossible
B3 · Garanties & Sûretés 8.0/15
B3.1: 6/9 - Pledge of securities account on MCEL ENERGY shares (first rank), no mortgage
B3.2: 1/4 - MCEL Energy founded 2025, no accounts available, financial soundness not assessable
B3.3: 1/2 - Bank loan mentioned on two SPVs (TS012NONT, TS173CHAU) without bank name specified
B4 · Structure financière 5.0/15faible
B4.1: 2/5 - Mix of projects COD/RTB/DEV, IRR not communicated, PPAs not documented in file
B4.2: 0/4 - Equity committed not disclosed (explicit N/A)
B4.3: 1/4 - No stress test presented, Loan-to-Cost (ratio prêt/coût total)/Loan-to-Value (ratio prêt/valeur actif) unavailable
B4.4: 2/2 - Regulated renewable energy rates applicable if projects connected (COD/RTB)
B5 · Pré-commercialisation 6.0/10
  • 1 project in COD (connected), 4 in RTB (construction-ready), 1 in DEV (application filed)
  • Purge of challenge periods not confirmed
  • No PPA documented
  • Regulated rate applicable to RTB/COD subject to conditions
B6 · Permis & Maturité 3.0/5
  • Petit Renard in COD (connected, 499 kWc)
  • Four RTB projects (permits obtained, construction not started)
  • One DEV project (application filed)
  • Purge of challenge periods not confirmed
B7 · Marché & Localisation 2.0/3
  • French photovoltaic renewable energy market in sustained growth, regulated rates stable
  • Favourable context despite increased competition
  • Office market rating not applicable (ENERGY)
⚠ Alertes détectées · −0 pts déduits
Alerte −0 pts

Company registered Nov 2025, no accounts available. guarantor soundness not assessable (risk noted B3.2).

Points forts
✓Simple obligations senior rank, first rank pledge of shares constituted.
✓One project already in COD (connected), four in RTB. real operational progress.
✓Enerfip platform recognised, zero historical default on renewable energy projects.
✓Bank loan mentioned on two SPVs. partial bank validation.
✓Rate 8% per annum compliant with renewable energy standard, regulated rates applicable.
Risques identifiés
!Issuer company registered November 2025, no accounts or track record available.
!Equity committed not disclosed (explicit N/A in file).
!PPAs and electricity sales contracts not documented for RTB/DEV projects.
!Financial soundness of MCEL Energy (pledge guarantor) not verifiable.
!One project in DEV phase only (application filed, not obtained) included in portfolio.
Score card
Score card — MCEL NOVA SPARK
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