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Building & public Works
Created in 2008, Construcciones Reformas y Fachadas Condal S.L. is active in the construction sector. The company, managed by Marc Arregui Lana, has 30 employees and is based in Barcelona (Spain).
The company’s main activity is the integral refurbishment and rehabilitation of buildings.
The company works with large companies as Consum – large Spanish supermarket chain based in Valencia- and different housing associations .
The company wishes to borrow 200.000 € over 36 months to finance the refurbishment of the new offices.
With a turnover of 2 210 050 € in 2016 and an experienced team, the company has a good track record combined with a strong operating margin.
The increase of profitability is related to the commercial development combined with a high control of cost base.
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 1,89 and a net debt / shareholder equity of 75%.
The analysis of the project leads to a credit rating of B and a 6,55% annual interest rate.
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.