Investing carries serious risks, including partial or total loss of capital. Please read the Key Investment Information Sheet and the Risk factors and login before investing.
Every investment decision must be based on an examination of an exhaustive set of information provided by the entrepreneur on his online profile. Spreds only proceeds to a limited verification of this information and does not control the investment opportunity within this company. Spreds did not verify the extent to which the business plan is deemed realistic and does not intervene in determining the final terms of the investment, including the retained maximum valuation. Spreds will align itself with the financial terms negotiated with the co-investor(s).
1. Fieldkaired Empowers Farmers to Achieve Profitability!
Farmers don't just live; they survive. Entangled in bureaucratic red tape, constrained by restrictive laws, and with insufficient support, they find themselves without concrete solutions.
Today's agriculture is marked by:
A 70% reduction in farm operations over the last 30 years.
60% of farmers subsisting on the Common Agricultural Policy (CAP).
Only 11% of farmers are under the age of 40.
By 2050, agriculture will need to increase production by 50%. The inconsistency is striking: how can we boost food production with fewer and fewer farmers?
Farmers passionate about their work are now exhausted by this ever-worsening situation.
Due to lack of time, financial management skills, and tools tailored to their profession, farmers lack the necessary means to master the financial profitability of their activity.
In Belgium, as in France, 90% of farmers delegate their accounting to accredited management centers (CGA and/or CER), whose reports serve as the basis for granting CAP subsidies. However, the CGA and CER provide their accounting reports to farmers with significant delays (up to 18 months). On this basis, there is no possibility of properly managing cash flow or making relevant management decisions.
Many problems have become systemic, deepening over the years. The result is well-known: debts accumulate, the hunt for subsidies becomes synonymous with survival, the health of farmers declines, while agricultural overproduction weighs on the planet.
2. A Revealing Survey
Following numerous discussions with farmers, Fieldkaired conducted a large-scale survey to better understand their problems and challenges. After interviewing over 300 farmers, it became clear that agriculture and the farmers themselves are in crisis.
The survey clearly identified the farmers' needs and defined priorities to help them overcome their main challenges, namely how to gain:
More time: to manage their operations.
More profitability: to invest in new projects.
More recognition: for the work performed.
In response to these needs, Fieldkaired developed the Ceres Finance for farmers app, based on three pillars:
Simplifying administrative tasks.
Mastering finances and cash flow.
Enabling fair sale price negotiations.
Designed to free its users from the complexity and burdens of accounting tasks, the goal of the app is to give agricultural operators real-time decision-support tools (cash flow, cost of production, margins) while simplifying their administrative duties. In other words, to make financial profitability accessible to all farmers.
3. A Unique and Comprehensive Solution for Farmers
The decision to develop a mobile app for Ceres Finance for farmers naturally emerged as the most effective and accessible solution. By opting for a mobile platform, Ceres Finance for farmers ensures maximum availability and accessibility for its users, who can access the app anytime, anywhere.
User-Centric Approach
Ceres Finance for farmers stands out from other solutions on the market through its unique development in close collaboration with farmers. From the outset, each stage of development has been guided by feedback from agricultural sector professionals, ensuring the app precisely meets their specific needs. This approach guarantees that Ceres Finance for farmers is not just a tool, but a true partner in the daily management of agricultural activities.
More Than Just an Accounting Tool
Unlike traditional accounting apps, Ceres Finance for farmers is designed as a complete solution tailored to the realities of the field. The app integrates specific features that meet the precise needs of farmers, thus transforming complex and burdensome tasks (such as billing or management reporting) into simple and enjoyable processes.
Simple and Intuitive
Special attention has been paid to the user experience. The app is designed to be extremely intuitive and easy to use. This allows farmers of all backgrounds, regardless of their technological skill level, to fully benefit from the advantages of Ceres Finance for farmers without feeling overwhelmed by technology. The user interface simplifies daily management, making operations smoother and less time-consuming.
From the digitization of purchase and sales invoices and key information provided by the farmer, the app's artificial intelligence engine analyzes the data provided to automatically generate key management reports for the operation:
Cost of production
Cash flow forecasts
Identification of negotiation levers (main customers and suppliers),
...etc.
TAX SHELTER
45%
Investments in this company benefit from a 45% personal income tax reduction. Read more…
A remaining amount of €353,800 is available for the Tax Shelter benefit.
Fact sheet
Advised by a professional start-up advisor
Valuation is set by the co-investor or incubator
Co-investor or incubator will be members or observers to the board
At the closing, an incubator, accelerator, or studio will have shares
At the closing, the entrepreneurs have contributed a minimum of €15,000 in cash in exchange for shares
At the closing, a professional co-investor will have invested at least €25,000
Prior fundraising in equity or convertible loan with 10 or more investors
Seasoned entrepreneurs
Minimum 2 active entrepreneurs
Valuation set by an organisation specialized in valuations of comparable size
Valuation is less than €1 million or 10x last year’s turnover
