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Days left30
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Base rate until9,00%
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Investment duration24 MONTHS
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Investors154
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Min/Max investment300 / 100.000€
WHAT AM I ABOUT TO INVEST IN?
VIS ONE S.r.l. , a company of the Gaia Energy S.r.l. Group, is requesting financing for the revamping and repowering of a rooftop photovoltaic plant with a capacity of 611 kWp, adding new system sections for 317 kWp, reaching a total of 859 kWp, located in San Martino Valle Caudina (AV). The goal is to increase renewable energy production, improve performance, and optimize the use of existing resources for greater energy and financial efficiency.
Main Objectives
- Extension of the useful life of photovoltaic systems.
- Optimization of economic return through performance improvement and operational cost reduction.
- Increase in installable capacity by using next-generation photovoltaic panels, making space utilization more efficient.
- Compliance with regulations and implementation of emerging technologies, such as energy storage systems.
- Environmental sustainability by reducing the impact compared to the construction of new plants.
Technology and Infrastructure
The operational phases include:
- Revamping interventions on existing modules.
- Installation of new system sections.
- Adaptation of infrastructures and connections to the electrical grid.
There are no planned roof renovations, as the coverings are in good condition. However, adaptation works will be necessary to integrate the new sections into the distribution network.
HOW TO RECOVER YOUR INVESTMENT
The total investment cost for the revamping and installation of the new sections is estimated at €1.66 million in CAPEX for VIS ONE and VIS TWO, distributed across the various phases of the project as follows:
- Vis Two Revamping: €611,000
- Vis Two New Section: €169,000 (subject of this campaign)
- Vis One Revamping: €688,000
- Vis One New Section: €194,000 (subject of the other VIS ONE campaign)
QUALITATIVE EXAMINATION
ENERSCORE+ & EASYSCORE EXPERT INTEGRATED
Ener2Crowd provides an initial qualitative parameter called «EnerScore+», which is assigned to each individual investment proposal. This parameter objectively, comprehensively, and clearly defines all the data that characterize the project from a technical perspective, including an ESG evaluation expressed in CLASSES and a verification of the activated SDG (Sustainable Development Goals) parameters.
A specific financial parameter called «Easyscore Expert Integrated» is also provided, resulting from the credit analysis conducted by EasyFintech, which assesses the reliability and financial soundness of the creditworthiness of the Project Owner. EasyFintech S.r.l. is a company that operates as a reseller of commercial information under License art. 134 TULPS Prefecture of Milan, protocol no. 14795/12B15E dated 31/01/2020.
For the project proposed by VIS TWO S.r.l., the resulting EnerScore+ is 10.64, assigning an ENERSCORE+ A, while the Easyscore Expert Integrated rating is LEVEL 4 - SOLVENCY.
Qualitative Evaluation – EnerScore+
Elements analyzed:
- Clarity of project objectives and comprehensibility of descriptions;
- Strategic relevance of the project;
- Project business plan;
- Clarity of information;
- Technical-project verification;
- Assessment of the integrity of the project owner's team;
- Track record and experience of the project owner on the platform, including punctuality in payment of installments if applicable;
- Consistency of the crowdfunding project with the platform's goals and mission, particularly in terms of environmental sustainability, innovation, positive local impact, service ethics, and social impact;
- SDGs activated by the project;
- ESG report issued by Cerved Rating Agency (where available).
Integrated Score issued on 04/03/2025 – confidential and not reproducible
Financial Parameter – Easyscore Expert Integrated
Elements considered in the calculation of the Easyscore Expert Integrated Report – (classes from 1 to 10 with a score of 0 - 100) prepared by EasyFintech S.r.l.:
- Corporate structure, beneficial owners, and reputational analysis;
- Analysis of executives and affiliated companies;
- Last three filed financial statements;
- Financial scoring (Crif, CriBis, CeBi, Cerved, Dun & Bradstreet);
- Analysis of InfoCamere databases;
- Possible adverse news regarding company owners and directors;
- Any prejudicial registrations and/or transcriptions concerning the Project Owner, controlling shareholders, and corporate representatives;
- Statistical methodologies based on Artificial Intelligence, Machine Learning, and Data Analysis;
- Commercial reliability scoring;
- Analysis of the Bank of Italy's Credit Risk Center.
NOTE: These values represent only a consideration that an investor may take into account when deciding to participate in the financing.
DEFINITION OF INTEREST RATE
In recent months, the global socio-economic context has led to a significant increase in inflation, which is a prolonged increase in the average level of prices of goods and services. The ECB has therefore predicted an increase in mortgage and financing rates with the aim of preserving consumers' purchasing power. The increase in central rates is a macroeconomic policy to counter inflation: the objective of raising rates is to reduce purchasing power by reducing available liquidity for both individuals and companies, to slow down the economy and prevent a continuous uncontrolled rise in prices. . In June 2024, after 5 years, the ECB made an initial rate cut of 0.25 percentage points, followed by another 0.25 percentage points in September and October, with a continuously revised bearish outlook - following macroeconomic estimates, opening up new scenarios in the financial market.
INDEXING TO EURIRS AND EURIBOR INDICES
Just as banks define the interest rate applied to loans, in this case, the interest rate is also tied to the EURIRS index (in the case of a fixed rate) and EURIBOR index (in the case of a variable rate).
THE PLACE OF THE INTERVENTION
The revamping and repowering interventions of the photovoltaic systems will take place at two plants owned by VIS ONE Srl and VIS TWO Srl – companies belonging to the GAIA ENERGY Srl Group – located at two industrial facilities in San Martino Valle Caudina (AV).
VIS ONE S.r.l.
Vis One S.r.l. is a limited liability special-purpose company, identified with ATECO code 35.11, specializing in the development and management of photovoltaic plants. The company manages a photovoltaic plant with a capacity of 542 kWp, located in San Martino Valle Caudina (AV), and is part of the GAIA ENERGY S.r.l. Group.
Gaia Energy operates in the fields of renewable energy and energy efficiency with the goal of promoting the ecological transition for the well-being of the Planet and its inhabitants. A team of experts works with dedication and passion to be part of the change and ensure a sustainable future for the Planet by encouraging the production of clean energy. With this commitment over the years, Gaia has specialized in the design, construction, installation, and maintenance of photovoltaic systems for the production of renewable energy. This commitment is driven by a dual responsibility: towards the Earth and its current and future inhabitants, as well as towards its clients. Gaia contributes to ensuring a sustainable future, enabling people to live and breathe better, while supporting businesses and individuals in optimizing their investments to achieve immediate economic benefits and a solid and secure future.
ANALYST'S OPINION
The analysis of the company applying for funding is based on the report provided by EasyFintech S.r.l. - License art. 134 TULPS Prefecture of Milan, protocol no. 14795/12B15E dated 31/01/2020 - utilizing data from financial databases such as Crif, CriBis, CeBi, Cerved, Dun & Bradstreet, InfoCamere, and other financial scoring tools. This analysis combines traditional evaluations (economic-financial, performance, and reputational analyses) with statistical methodologies based on Artificial Intelligence, Machine Learning, and Data Analysis.
Vis One S.r.l. is a limited liability company headquartered in Naples, founded on 28/07/2011. The company operates in the electricity production sector, with a focus on the management and development of photovoltaic plants. Its ATECO Code is 35.11, related to electricity production.
The company's administrator is Lorenzo Silvestre, with no negative records reported.
VIS ONE S.r.l. is part of the Gaia Energy S.r.l. Group, which has already conducted six operations on the platform, repaying five campaigns punctually and in advance, with one currently in regular repayment.
The adopted analysis methodology calculates a synthetic risk indicator, called the Integrated Easyscore by EasyFintech S.r.l., derived from a proprietary algorithm that integrates and synthesizes three partial scoring models (Easyscore Expert, CeBi Score 4, and CR Score). The Integrated Easyscore by EasyFintech places VIS ONE S.r.l. in the "Solvency" category.
Below is a summary of the analysis of the other partial scores:
- Cribis D&B Rating: evaluates the company's financial solvency and commercial reliability through the calculation of the Cribis D&B Rating (Failure score, Delinquency score, Paydex Cribis D&B, negative events). VIS ONE received a Cribis Rating of “4,” corresponding to a "risk" value.
- CeBi Score 4: CeBi analyses provide the Probability of Default (PD) calculation through a certified algorithm used by Italian banks in internal rating systems. The balance sheet analysis as of 31-12-2023 classifies the company in Class S, corresponding to a High Solvency situation, with a PD of 0.07%. This class includes 14.13% of companies in the PRODUCTION, TRANSMISSION, AND DISTRIBUTION OF ELECTRICITY sector.
- CR Score: provides a synthetic judgment on the use of credit lines granted by the banking system, as reported in the Bank of Italy's Credit Risk Center. The score, calculated over a 12-month period, is confidential but indicates "Security" levels.
These analyses, summarized in the Integrated Easyscore by EasyFintech, place VIS ONE S.r.l. in the "Solvency" category.
CONCLUSIONS
Vis One is a purpose-driven company used for managing the mentioned photovoltaic plant undergoing repowering and revamping interventions.
Vis One S.r.l. presents decent financial indices ex ante. The company has improved various indicators compared to previous years, and its financial statements show positive signs. However, certain aspects related to operational cost management and debt levels should be monitored. It is recommended to continue monitoring the company’s financial and operational management, paying attention to credit line trends and its ability to generate sustainable cash flows to meet financial commitments.
It is reminded that the above indications serve only as a reference for making an independent and informed investment decision based on one's risk propensity, and it is always recommended to conduct an analytical evaluation of the available elements.
CONTRACTUAL STRUCTURE
The Financing Agreement is a purpose-specific loan: VIS ONE S.r.l. is obligated to use the funds received from investors exactly as specified in the Project presented in the public offering and not to divert them for other purposes.
COST STRUCTURE
The estimated cost for the revamping and repowering of VIS ONE's photovoltaic plant amounts to €882,000. The fundraising target on Ener2Crowd will cover 11% of the Capex.
The crowdfunding campaign serves as a bridge loan necessary for the company to advance part of the liquidity required for the project development. The remaining portion of the Capex is covered partly by corporate funds and partly by financial institutions, in line with the project’s business plan.
This campaign is part of the overall intervention carried out at the two VIS ONE and VIS TWO plants, with a total Capex for the operation amounting to €1.66 million.
FINANCING AMORTIZATION PLAN
The amortization plan provides for the repayment of the Capital only in the final installment. There are quarterly installments covering only the Interest Portion, amounting to €2,500.00.
The following amortization plan for Vis One S.r.l. is calculated with an interest rate of 9.00% for a total of €100,000.
Note: The start of the amortization plan is finalized from the first available date after the unblocking period has expired. Therefore, the schedule presented here is a mere simulation containing the first available date in case the campaign is completed at its deadline.
*Gross of any applicable tax deductions
The subsequent amortization plan includes an interest rate of 5.40% + EURIBOR3M for an amount of €50,000 (only for professional investors).
The interest rate may vary based on applicable Bonuses, as further detailed in the KIIS.
CONFLICTS OF INTEREST
The Relevant Parties, except for the Conflict of Interest Policy Manager and the Crowdfunding Service Provider, who cannot under any circumstances participate in the Crowdfunding Offerings published on the Platform, are authorized to invest in this Crowdfunding Offering on equal terms with all other Investors and without preferential treatment or privileged access to information.
For more information, please consult the policy at the following link
SDGs ACTIVATED BY THE PROJECT
The SDGs - (Sustainable Development Goals) are 17 goals defined by the United Nations in the 2030 Agenda for Sustainable Development as a framework for a programmatic strategy "to achieve a better and more sustainable future for all" by 2030.
https://sdgs.un.org/goals
By financing this project, you can contribute to supporting and implementing the following SDGs Sustainable Development Goals:
Why these SDGs?
• SDG 3 improving the health conditions of the community through the accessibility of the structure;
• SDG 7 energy savings generated by efficiency interventions;
• SDG 8 creation of new jobs generated by the activity;
• SDG 11 improvement of the building, the neighborhood, and the city community;
• SDG 12 responsible and efficient use of available resources;
• SDG 13 combating and mitigating climate change with related reduction of GHG.
Become a protagonist of the future and sustainable development by financing this initiative!
REVAMPING AND REPOWERING
Revamping and repowering of photovoltaic systems are interventions that enhance the efficiency and capacity of existing solar power plants. Revamping renews the main components, while repowering adds new power, such as more efficient panels and advanced storage systems, increasing energy production. These interventions improve efficiency, reduce costs, and optimize the competitiveness of the plant. From an environmental perspective, they contribute to reducing CO2 emissions, while economically, they enable greater energy production and savings on operating costs. The European photovoltaic market is experiencing strong growth, with over 50 GW of new capacity expected, and in 2022, 41.4 GW of photovoltaic systems were installed, marking a +47% increase compared to the previous year. Photovoltaic energy, through revamping and repowering, is essential to achieving decarbonization goals and ensuring a sustainable energy future.
WHAT ARE THE ENVIRONMENTAL BENEFITS GENERATED BY THE PROJECT?
It is estimated that the revamping and repowering interventions carried out at the plant managed by VIS ONE Srl will enable a production of 978 kWp, which is equivalent to:
Saving 455,000 kg of CO2 emissions into the atmosphere each year
Planting 45,000 trees, enough to cover an area equivalent to 232 football fields
Avoiding the exhaust emissions of 318 cars each year
These are the effects and benefits that can be generated thanks to your contribution!
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