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Anita #02

presented by October France



36 months


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Touët-sur-Var, France



Health care

Presentation of the company

Created in 2008, Anita is active in the Health sector. The company, managed by Deprez Philippe, has 10 employees and is based in Touet sur Var.

The company’s main activity is: physical therapy.

The company works with with residents from several public health establishments (hospitals, retirment homes). It also has a regular office for individuals.

The company often deals with the other company of the manager, Nina based in Cagnes sur Mer that has the same activity. 

Project Description

The company wishes to borrow 52 000 € over 36 months to finance the acquisition of medical equipment. This project will be realised next month.

As a reminder, the Lendix lending community supported Anita in 2017 with 104 000€ over 60 months to finance the acquisition of a patient clientele.

The amount offered on the platform is limited to 25 480€, which is in line with the regulatory limits.

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

Analyst’s Opinion

With a turnover of 1 032 000 € in 2017 and an experienced team, the company has a good track record combined with a two-digits operating margin.

The increase of activity and profitability are driven by the acquisition of a new patient base in 2017. The forecast is based on the performance of 2017

The borrower has a good repayment capacity with a forecast FCCR (Fixed Charge Cover Ratio *) at 1,34 and a strong financial structure, with a forecast net debt / ebitda ratio of 0,3 and a net debt / shareholder equity of 199%.

The analysis of the project leads to a credit rating of B and a 5,45% annual interest rate.

*The multiple of FCCR at 1,34 means that the company has a safety margin of 34% 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.

Strong points:

  • Good historical performance based on diversified client base.
  • Good repayment ability with a forecasted FCCR of 1,34 reinforced by the support of shareholders.
  • Experienced management team with a strong trackrecord

Point of caution:

  • Small Dependency to public establishments