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Waarschuwing Het uitlenen van geld aan het MKB brengt financiële risico’s met zich mee. Door geld uit te lenen aan het MKB staat uw inleg voor langere tijd vast en loopt u het risico op verlies van (een gedeelte van) uw inleg.
Created in 1998, A.M.S. Evenement is a company specialized in the conception and the organization of events for companies (seminars, gala, general assembly, etc….).The company, managed by Nicolas Garry, has 15 employees and is based in Rennes.
A.M.S Evenement also has agencies in Paris and Nantes
The company works with 50 key account major clients from different sectors (aviation, banking, fashion and beauty, car manufacturer, etc…). the company has a historic relationship with its main customers like Airbus, BMW, Groupe Dubreuil,
EDF, GL exibithions, Sodebo, etcc…
The activity of A.M.S is generated by the recognition of its knowledge with its historical customers, but also a favorable reputation in the field of the company’s event. More than 50% of the activity is carried out on a historical customer base.
Mr GARRY is also the manager of Terre d’opale (borrower Lendix) specialising in organising tailor-made trips and events abroad or in France for companies.
The company wishes to borrow 104 000 € over 36 months to finance the recruitment of 2 project managers and a sales representative. This project will be realised in the next few months.
As a reminder, the Lendix lending community supported A.M.S Evenement in 2015 with two loan of 150 000 € (repaid in full) and 90 000 € to finance the purchase of multimedia equipments.
The amount offered on the platform is limited to 50 960€, which is in line with the regulatory limits.
With a turnover of 3 760 000 € in 2017 and an experienced team, the company has a good track record combined with a two-digits operating margin.
The continued increase in turnover is linked to the recurrence of activity and the acquisition of new customers. In 2016, the decline in profitability is linked to major investments in the business.
The forecast is based on the 2018 activity forecast.
The borrower has a correct repayment capacity with a forecast FCCR (Fixed Charge Cover Ratio *) at 1,13 and a strong financial structure, with a forecast net debt / ebitda ratio of 2,8 and a net debt / shareholder equity of 135%.
The analysis of the project leads to a credit rating of C and a 6,95% annual interest rate.
Points of vigilence:
*The multiple of FCCR at 1,13 means that the company has a safety margin of 13% relative to its ability to repay its credit maturities.
The expert opinion is given as an indication on the basis of the elements provided by the project holder and information from our databases (Scores & Decisions, Corporate Banking File). This opinion is only an element of reflection in the decision making of a lender to participate in the financing of a project.