presented by October Netherlands
lent to this project, means…
paid back in total
taxes not includedCreate your account
Warning Lending money to SMEs presents a risk of capital loss and requires your savings to be immobilised.
Constar Beheer B.V. is the holding company of the Constar group set up in 4/4/1984, active in the Concrete production sector, managed by A. de Regt and G. Boers, has 100 employees and is based in Tiel.
The company’s main activities are:
The company works with o.a. Aalbers, Dura Vermeer, VolkerWessels and various Dutch municipalities
The company requests a loan of 1,000,000 € over 12 months to finance inventory for the growth of the company. This project will be realised by the end of the year.
The amount offered on the platform is limited to 490000€, which is in line with the regulatory limits.”
The borrower is a holding company whose revenues are derived from services invoiced to its subsidiaries. The financial analysis was carried out on consolidated financial statements, which reflect the group’s performance.
With a turnover of 41 703 000 € in 2017 and an experienced team, the group has a good track record combined with a two-digits operating margin.
The forecast is based on the internal figures of 2018.
The group has a solid repayment capacity with a forecast FCCR (Fixed Charge Cover Ratio *) at 1.91 and an excellent financial structure, with a forecast net debt / ebitda ratio of 0.24 and a net debt / shareholder equity of 11%.
The analysis of the project leads to a credit rating of A and a 3.5% annual interest rate.
*The multiple of FCCR at 1.91 means that the company has a safety margin of 91% 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 (External data provider). This opinion is only an element of reflection in the decision making of a lender to participate in the financing of a project.
Points of caution: