Les Entrepreteurs AI Overview on 09/2025

Overview of Les Entreprêteurs Crowdfunding Platform

Les Entreprêteurs is a French crowdfunding platform (PSFP-regulated by AMF) that connects retail investors with SMEs and projects seeking financing. It offers a mix of debt and equity opportunities (loans, obligations, participatory bonds and equity shares) to diversify portfolios. The platform highlights advantages such as broad project choices (enterprise loans, real estate, tax-incentive “Girardin” schemes) and a low entry point (from €100). Key risks include borrower defaults and illiquidity ⚠️; “participative investment presents a substantial risk of partial or total capital loss”. Les Entreprêteurs is AMF-approved (PSFP FP-2023-28) and passported EU-wide, lending credibility and oversight, but investors still face standard crowdfunding risks.

Les Entreprêteurs Product Offerings

Les Entreprêteurs offers four main investment types: i) business financing (crowdlending loans, corporate bonds, participative bonds); ii) real-estate project financing (development loans, obligations); iii) equity investments via actions (mainly for Girardin agricultural tax schemes); and iv) debt refinancing (loans and bonds). Returns come from borrower-paid interest on loans/bonds, dividend/capital gains on equity, or fiscal benefits (Girardin projects yield ~21% net via tax credits). Projects typically run 1–4 years: cash-flow loans often 12–36 months, bridging loans shorter (3–12 months), and Girardin structures usually 4+ years. Minimum stakes start ~€100 (some tax-advantage projects require €2,000). Investors receive agreed installments per schedule; any tax on interest is withheld by the platform. Major risks are borrower default (a few percent of loans delayed or written-off), total illiquidity until maturity, and no guarantee of principal. Some loan projects carry a sponsor deposit (one installment held as collateral), but overall “risks: possible delay or loss of capital, illiquid investment” remain.

Les Entreprêteurs Company Profile

Founded in 2016, Les Entreprêteurs is a Paris-based SAS (capital €200k) founded by Jean-Philippe Gontier (Président) and Marc-Antoine Vanheems (CEO). The team includes finance, risk and tech professionals (e.g. Finance Director Cindy Gelez). The company has no major corporate owner or VC disclosed. Technical partners include payment agent Lemonway (ACPR-regulated) for secure escrow of investor funds, Oodrive for e-signatures, Syspertec for KYC data, and ARC for debt recovery. Institutional alliances include listing on Bpifrance’s TousNosProjets platform. Les Entreprêteurs holds AMF authorization as a PSFP (no. FP-2023-28, since Nov 2023) and is registered with ACPR (Lemonway agent). Its accounts and activities are insured (RC pro, MMA). The firm is passported in the EU (authorized in DE, BE, ES, PL, PT, LU).

Les Entreprêteurs Funding Volumes & Performance

As of the latest report (updated 09/09/2025), Les Entreprêteurs has intermediated ~€176.14 million of financing across all products. Debt financings (loans, obligations) total ~€153.23 M across 553 projects, while equity investments cover ~€2.85 M (9 projects) and tax-incentive Girardin Agricole projects ~€20.07 M (185 projects). Over 29,356 investors participated. In 2024 alone the platform funded €30.2 M; by Sep 2025 an additional ~€25.7 M. Repaid principal to investors totals ~€54.8 M (debt) plus interest €13.94 M. Internal stats show average weighted loan yield ~8.9% annually. Defaults are modest: only ~€660k of loan principal has been definitively lost (≈0.44% of loan volume). About €8.62 M (>6mo overdue, 5.6%) is currently late. Girardin projects show 0 defaults and ~21% net fiscal yield. Overall investor returns have averaged around mid‐single digits net (IRR ≈5–7%) given delays and costs, with some projects achieving up to ~10–12%.

Les Entreprêteurs Risk Approach & Management

Les Entreprêteurs applies rigorous selection: borrowers must typically have ≥€250K turnover, positive EBITDA and 2–3 years of financials. Applicants are screened (online, and via Banque de France data) and analyzed by the team. Analysts meet companies, review accounting and credit (with Banque de France’s FIBEN database) and then an internal credit committee grants approval. Each project is given a published “note de risque” (risk score) and full documentation (financials, analysis report). Many loans include a sponsor guarantee deposit (one installment) held by the platform until final repayment. The platform monitors repayments via Lemonway’s payment system and handles tax-withholding on interest. In case of default or delay, Les Entreprêteurs initiates collection (amicable or legal, via ARC) at the borrower’s expense. Sector/geography filters focus on French SMEs and specific niches (e.g. Girardin agricole in French Guiana). Regular reporting and investor dashboards (post-investment) detail payment schedules. Overall, strict vetting and risk monitoring are in place, but no capital insurance or redemption guarantees exists.

Les Entreprêteurs Platform Features

The web platform is primarily in French and operates in EUR. It supports investor dashboards with portfolio overviews and project details. Features include project filtering by type, interest rate, and term. While no formal auto-invest tool is provided, investors can manually diversify across offerings. Notably, Les Entreprêteurs participates in a secondary market (“BP Flex”) allowing resale of outstanding parts of a project (reported by investors). All transactions (deposits/withdrawals) use Lemonway. The platform provides risk notes and analysis documents for each project. Investors see clear schedules and can track repayments; customer support includes online chat/phone. The site has partnership links (Tousnosprojets, CGP spaces) but no escrow insurance for loans beyond the legal protections. Overall, it offers standard crowdfunding tools (diversification, online account) and reported quick support response times.

Les Entreprêteurs Fees & Pricing Structure

Investors pay no subscription or platform fee on signing up. For debt projects, investors receive 100% of scheduled repayments (gross interest, minus withheld tax). On equity share offerings (excluding Girardin), Les Entreprêteurs charges 10% of any realized capital gains (dividends + sale profit) upon exit. All other fees (processing, servicing, etc.) are borne by the project issuers. Issuers pay a placement commission of ~9% (8.5% for Girardin projects) of funds raised and an annual 0.5% management fee on outstanding debt. Fee schedules are transparent and published in each project’s documentation. This model means investors have no hidden fees (apart from equity success fees), aligning costs with project fundraising.

Negative Publicity about Les Entreprêteurs

We found no major controversies or regulatory sanctions affecting Les Entreprêteurs. The platform’s AMF registration and FCA-like oversight lend confidence. Minor criticisms from blogs and user reviews note project delays and administrative lag (e.g. slower contract signatures and occasional repayment delays). A few commentaries mention a limited project selection in certain niches. An investor blog noted “somewhat high default rates” on riskier SME loans, though official stats show only ~0.4% capital losses. Trustpilot shows an average 4/5 rating (as of 2025) with complaints typical of any crowdfunding site. In summary, aside from normal crowdfunding risks and delays, we saw no red flags; the platform is considered reputable and compliant as of 2025.

Les Entreprêteurs Success Stories

Les Entreprêteurs has achieved steady growth milestones. By late 2025 it had facilitated ~€176M total funding and connected 29,000+ investors. It was AMF-approved (PSFP) in Nov 2023, a notable regulatory milestone. The Girardin Agricole program stands out: €20.07M funded across 185 projects (2016–2025) with a 25% tax credit benefit. The platform’s partnerships (Lemonway, Bpifrance’s TousNosProjets) and participation in major fintech events (Patrimonia, Crowdfunding fairs) reflect industry recognition. Media profiles of founders and high Trustpilot scores underline credibility. While not a “startup success” with exit events, its key wins are regulatory approval and robust funding volumes, evidencing reliability.

Is Les Entreprêteurs safe and regulated?

Yes. It is AMF-registered (PSFP FP-2023-28) and supervised by France’s financial authorities. Funds are held by regulated trustee Lemonway. However, no investment is guaranteed and general crowdfunding risks apply.

What returns can I expect?

Typical loan projects offer annual interest ~6–10%. The weighted average interest is ~8.9%. High-yield real-estate loans can reach ~10–12%, while Girardin equity projects yield ~21% net (via tax credit). Returns are gross; tax will be withheld at source (platform reports earnings).

What are the main risks?

Key risks include borrower default (partial or full loss of capital) and investment illiquidity. Delays in borrower repayments can occur (some projects run late). Platform or regulatory changes are unlikely risks given its AMF status. Overall, losses are possible, so investors should diversify and only invest what they can afford to lose.