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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 2005, MMS S.r.l. is active in the information technology sector. The company, managed by Mariella Marastoni, has 2 employees and is based in Spinea (Venezia).
The company’s main activity is the design and implementation of mobile solutions for orders booking, warehouse management and logistics.
The company works with well-known Italian companies operating in various sectors, such as coffee production, ham production, shipping company etc.
The company wishes to borrow 50 000 € over 36 months to finance the promotion of new products though marketing campaigns with the aim of broadening the customer base and attending fairs. This project will be realised in the next few months.
This project is not covered by a guarantee.
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.
With a turnover of 1 565 000 € in 2017 and an experienced team, the company has a good track record combined with a two-digits operating margin.
The variation of turnover and profitability is related to the size of contracts with higher or lower margin. The minimum turnover is always in the range of 1.5Mio € maximized by punctual spot contracts. Forecast has been based on 2017 performance.
The borrower has a good repayment capacity with a forecast FCCR (Fixed Charge Cover Ratio *) at 1,46 and a good financial structure, with a forecast net debt / ebitda ratio of 0,7 and a net debt / shareholder equity of 126%.
The analysis of the project leads to a credit rating of B and a 5,50% annual interest rate.
Points of vigilence:
*The multiple of FCCR at 1,46 means that the company has a safety margin of 46 % 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 (ModeFinance, Crif). This opinion is only an element of reflection in the decision making of a lender to participate in the financing of a project.