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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.
Unfortunately, you cannot lend to this project.
Why? This project* does not fall within the regulatory framework of Lendix IFP, defined by the ordinance of 30 May 2014 (ordinance on participatory financing). It is therefore not offered to individual lenders as part of participatory financing.
According to the Ordinance of 30 May 2014, a project consists of a purchase or a set of purchases of goods or services contributing to the completion of a predefined transaction in terms of purpose, amount and timetable.
Created in 1840, Société Nouvelle Janvier Grusont Prat is active in the embossing sector. The company, managed by Dominique Gruson, has 25 employees and is based in Paris (France).
The company’s main activities are:
The company works with professional clients that are subcontractors for the military suits or private jewellers.
The company is very well known in the sector. It is replicating raw jewels thanks to its embossing factory in Savigny le Temple. The range of product is very important, the company bought lots of collection since its creation.
The company wishes to borrow 31 500 € over 36 months to finance the repayment of the shareholder loan. This project will be realised next month.
This project is a Flexible Bridge Loan, an amortizable loan with a standard commitment for the first 9 months and the possibility of early repayment at no cost for the remainder of the loan term, even in the event of refinancing by other financial institutions.
With a turnover of 1 574 161 € in 2017 and an experienced team, the company has a good track record combined with a strong operating margin.
The drop of turnover in 2016 is explained by the exceptional year 2015 with a spot order of the French Marine.
The forecast is based on the performance of the last exercise.
The borrower has an excellent repayment capacity with a forecast FCCR (Fixed Charge Cover Ratio *) at 2,39 and an excellent financial structure, with a forecast net debt / ebitda ratio of 0,3 and a net debt / shareholder equity of 1% taking into account the stable shareholder loan.
The analysis of the project leads to a credit rating of A+ and a 3,1% annual interest rate.
Points of vigilence
*The multiple of FCCR at 2.39 means that the company has a safety margin of 139% 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."