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Created in 2010, ARAMO GESTION SL is active in the social services sector. The company, managed by Ignacio Sánchez, has 30 employees and is based in Oviedo. It has capacity for 58 residents (22 added during 2018).
The company’s main activities are:
The company wishes to borrow 80 000 € over 36 months to finance the refurbishment of a retirement home. This project will be realised next month.
The amount offered on the platform is limited to 39 200 € which is in line with the regulatory limits.
With a turnover of 784 437 € in 2016 and an experienced team, the company has a good track record combined with a two-digits operating margin.
Over the past years, changes in sales and profitability are related with small variations in the occupancy rate. Forecast has been based on the performance of 2017 considering the increasing capacity with space for 22 new residents.
The borrower has a solid repayment capacity with a forecast FCCR (Fixed Charge Cover Ratio*) at 1,51 and a good financial structure, with a forecast net debt / ebitda ratio of 2,74 and a net debt / shareholder equity of 136%.
The analysis of the project leads to a credit rating of B and a 5,65% annual interest rate.
The loan is personally guaranteed by Ignacio Sánchez Chans and Mª Belen Chans Rubio.
Points of vigilence:
*The multiple of FCCR at 1,51 means that the company has a safety margin of 51% 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 (Informa, Asnef). This opinion is only an element of reflection in the decision making of a lender to participate in the financing of a project.