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Inks #2

gepresenteerd door October Frankrijk



48 maanden


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Toulouse, Frankrijk



Information & Communication

Presentation of the company

Founded in 2008, INKS specializes in the sale and repair of electronic equipment. The company, managed by Ghislain Pons, employs 30 people and is based in Toulous (France). 

Inks is the parent company of Docteur IT, a franchise network specialized in the repair of electronic equipment. In January 2018, the network consisted of 73 stands located in shopping centres in France.

The company’s activity is based on business:

  • Wholesale of electronic spare parts;
  • Repair and sale of accessories for electronic equipment (telephones, tablets, cameras,…) under the brand name Docteur IT.

The company works on the wholesale side, with many professionals via its own website chronospare.com. One third of the turnover is generated by private customers, via 3 Dcoteur IT stands located in shopping centres and 2 shops, all owned by the company.

Project Description

The company wishes to borrow 147 000 € over 48 months to finance the opening of 3 new stands under the Docteur IT banner, located in the Farébersviller (57), Villabé (91) and Laxou (54) shopping centres.

As a reminder, the Lendix lending community accompanied Inks in March 2018 for 52 000€ to finance the opening of a stand in the Docks 76 shopping centre in Rouen.

Like all projects presented to private lenders on Lendix, it is co-financed with institutional investors, sophisticated investors and the management of Lendix, subscribers to the Lendix Fund.

Analyst’s Opinion

With a turnover of €5,444,000 in 2017 and an experienced team, the company has a good performance record in terms of activity combined with solid operating profitability.

Between 2016 and 2017, the increase in turnover is partly linked to the opening of 3 new boutiques.

The forecast has been prepared on the basis of 2017 performance.

The borrower has an excellent repayment capacity with a Fixed Charge Cover Ratio* (FCCR) forecast at 2.78 and an excellent financial structure with a forecast net debt/EBITDA ratio of 0.2 and net debt/equity of 17.0%.

The analysis of the project and the borrower leads to a B rating with excellent financial solidity and a rate of 5.50% per year.

Highlights :

  • Good performance history on a diversified client base.
  • Good history of the manager present in the IT sector for more than 20 years
  • Excellent repayment capacity with a CCRF of 2.78

Vigilance Point :

  • Very competitive sector

The multiple of FCCR at 2.78 means that the company has a safety margin of 178% 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.