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lent to this project, means…
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Marketing surveys & consulting
Created in 2013, Arcesi Occitanie is active in the social sector. The company, managed by Alain Olives and Marc Defos du Rau, has 100 employees and is based in Blagnac.
The company offers consulting services through placing disabled employees.
The company’s main activities are:
The company works with 40 customers large company as Airbus or CapGemini.
Arcesi Occitanie is leader in France as an Intellectual service provider for adapted jobs
The company wishes to borrow 260 000 € over 36 months to finance a business expansion and the recruitment of new employees. This project will be realised in the second semester of 2018.
As a reminder, the Lendix lending community supported Arcesi in 2017 with 315 000 € to finance the opening of new offices in Lille and Bordeaux and recruitment.
With a turnover of 4 438 000 € in 2017 and an experienced team, the company has a good track record combined with a strong operating margin.
Increase of turnover driven by the activity developpement and the client base improvement. Decrease of Ebitda margin in 2017 is driven by exceptional bonuses to employees and office renovation. The forecast is based on the performance of 2017.
The borrower has a correct repayment capacity with a forecast FCCR (Fixed Charge Cover Ratio *) at 1,08 and an excellent financial structure, with a forecast net debt / ebitda ratio of 0,83 and a net debt / shareholder equity of 55%.
The analysis of the project leads to a credit rating of B+ and a 4,45% annual interest rate.
Point of vigilence:
*The multiple of FCCR at 1.08 means that the company has a safety margin of 8% 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.