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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 12
| 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
⏰ The project starts on 13/09/2024 18h00
💰 The estimated rate of return is 12% per year.
⏱ The duration of the project is 24m
💼 Minimum amount to invest is 100€
🤖 Review's summary
The project is scheduled to take place on 2024-09-13 at 18:00:00 with an overall assessment of being 52% marketed without suspensive conditions. The guarantee is a bit low on this GAPD project, but the company is well financially managed, and the real estate market price is stable in the area.
👷 Type of project: Refinancing
💶 176,000 EUR to be financed
⏰ Capital repayment: In fine. Interest:
Refinancing part of the operator's equity for the acquisition and development of 4 building plots in Eyguières (13430), with 2 lots already commercialized without financing conditions.
✅ Yield 12% -> very high.
✅ The yield is higher than the average yield (10.42%) of recent projects at Wiseed
Guarantee Type: GAPD
- Amount of holding equity:
- Net debt/equity ratio < 2.5?
✅ Pre-commercialization: promise. Pre-commercialized at 52% with no suspensive conditions
Operator's Health:
✅ Net debt/equity ratio okay: 1.84
❗ Net debt/assets ratio very high: 6.93
❗ Location: town with fewer than 10k inhabitants
✅ Nearby: shops, schools
✅ Exit price: realistic
✅ Prices have increased by 0% in the past year
✅ Property’s Condition: Good
✅ Street and neighborhood condition: Good
✅ No urban planning risk
✅ Project promoter's history: more than 3 similar operations
No outstanding financing and operator's delays: None
No construction difficulties: None
Realistic construction duration: None
✅ Engagement of the operator: 13% -> low
Geopolitical Situation:
❗ Delay of over 6 months: Data not recorded -> check Wiseed's website
✅ 0.4% definitive losses at Wiseed -> low
🤝 BONUS: No bonus code
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This project seems very promising with a high yield and various positive indicators. While there are some minor concerns mentioned, overall, the project appears to be well-managed and in a good location. I believe this could be a great investment opportunity for those looking for a potentially high return. Let's support this project and continue to grow together!
24 voters
👎50% 👍0% 🤷0% 🏳️50%
To vote : 
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.
The votes take place in the Objectif-Renta Investors Club.
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