< all projects


presented by October France



24 months


If I had lent to this project?

lent to this project, means…

paid back in total

taxes not included

Create your account

Warning Lending money to SMEs presents a risk of capital loss and requires your savings to be immobilised.



Paris, France



Marketing surveys & consulting

Presentation of the company

Created in 1995, Immedia is active in the transition management sector. The company, managed by Bruno Calbry, has 4 employees and is based in Paris 8. Until March 2017, the company was a subsidiary of Actiss Partners (an interim management consulting firm) of wich Bruno Galbry was the COO.

The company’s main activity is: provides its clients with qualified profiles to support them on project launches, project transformation, and unusual situations.

The company works with a diversified client portfolio, and a strong network of partners (prescribers and ambassadors).

Project Description

"The company wishes to borrow 52 000 € over 24 months to finance the development of a plateform to animate the community of transition’s managers and the recruitment of a business developer. This project will be realised next month.

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 the management of Lendix, subscribers to the Lendix Fund.

Analyst’s Opinion

With a turnover of 634 000 € in 2017 and an experienced team, the company has a good track record combined with a strong operating margin.

Until 2017, the company was a subsidiary of Actiss Partners and its revenues were billed on the parent company. The level of activity and profitability in 2015 and 2016 are therefore not representative. The forecaste is based on 2017 performance of the company.

The borrower has a good repayment capacity with a forecast FCCR (Fixed Charge Cover Ratio *) at 1,43 and an excellent financial structure with a positive cash balance.

The analysis of the project leads to a credit rating of C and a 6,5% annual interest rate.

Strong points:

  • Good historical performance based on diversified client base.
  • Good repayment ability with a forecasted FCCR of 1,43.
  • Strong experience and network of the managing Partner.

Point of caution:

  • Only one year of visibility on the company’s performance.

*The multiple of FCCR at 1,43 means that the company has a safety margin of 43% 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.