The project Île-des-Loups by Clubfunding

Review of the project Île-des-Loups by Clubfunding

Review's score :

Score details

To assign the grades A and E, we use a Bonus/Malus system.
⚠️ Some criteria may be missing in the detailed list below.
⚠️ The scoring model is not suitable for all types of projects.
The total points for this project is 10

Criteria	Points
mortgage coverage	🟩🟩
optimistic scenario margin	🟩
pre-commercialization	∅
track record	🟩🟩
location	🟩
in the vicinity	🟩
yield	🟩🟩
LTA	∅
LTS	🟩
operator commitment	🟩
sales price	🟩
permanent loss	🟩
late projects	🟩
price trend	∅
urban planning risk	🟩
debt to equity	🟥🟥🟥🟥🟥
debt to asset	∅

This review is proposed by Damien Cuyala on 17/07/2024

⚠️ L'analyse détaillée n'est pas diffusée à la demande de ClubFunding.
➡️ Les discussions et votes sur le projet ont lieu sur le club.

⏰ The project starts on 18/07/2024 17h00
⏱ The duration of the project is
💼 Minimum amount to invest is 1000€

🤖 Review's summary

Analysis of Île-des-Loups Project at Clubfunding

Project Overview

The Île-des-Loups project at Clubfunding, analyzed by Damien Cuyala, is set to take place on July 18, 2024, at 17:00. The project involves low mortgage coverage, a good project location, a highly indebted company, and a resale at the higher end of the market price range. Significant construction work is required, with a strong commitment from the operator.

Project Details

Type of Project: Purchase - renovation/construction - resale
Amount to be Funded: €850,000
Repayment: In fine. Interests: €1m.

Investment Information

High Yield
Guarantee Type: First-rank mortgage
Mortgage Coverage: 48% - Low
No Pre-selling

Operator's Details

Net Debt/Equity Ratio: 14.52 - High
Net Debt/Assets Ratio: 1 - Moderate
Location: City with over 10k inhabitants

Property Details

Property Status: To be constructed
Street and Neighborhood: Good
No Urban Planning Risks

Financial Aspects

Loan to Acquisition Ratio: 206% - High
Loan to Sale Ratio: 48% - Very Low
Loan to Construction Cost Ratio: 0%

Operator's Commitment

Operator's Engagement: 50% - High

Geopolitical Situation

Country: France

Clubfunding Performance Metrics

9.32% of delays over 6 months - Low
0% permanent losses - Low

My Opinion

The Île-des-Loups project at Clubfunding seems to have potential due to its high yield, good location, and realistic selling price. However, the low mortgage coverage and the high indebtedness of the company raise some concerns. The operator's strong commitment and the positive historical track record of similar projects are encouraging factors. Overall, investors should carefully weigh the risks and rewards before considering this investment opportunity.

Bonus Offer

Don't forget to enter the referral code "MarcBluerSky" when signing up to claim your bonus of 100 euros after investment. You can redeem the bonus by clicking on the following link: Bonus Link

Investor votes results for the project: Île-des-Loups

Damien Cuyala
Damien, 41 years old, I am a business manager in nuclear valves, I also have a company in the distribution of everyday products in short circuits with the credo of "made in France". I started at a young age to learn how to invest in the stock market in dividend stocks, ETFs, and from 2021 on small cap equity strategies, and recently I have been learning about options. In June 2022, I started real estate crowdfunding and I have invested a little over 73 Keuros since then, my investments are distributed across the following platforms: ClubFunding, Raizers, La Première Brique, Upstone, Baltis. I attach great importance to spending time analyzing each project before making the best decision for my investments. Finally, I also have investments in crowdlending, mainly on Lendermarket to diversify my assets as much as possible.