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Samen Vaardig B.V.

presented by October Netherlands



36 months


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Dordrecht, Netherlands



Health care

Presentation of the company

Created in 2015, Samen Vaardig B.V. is active in the health care sector. The company, managed by Linda Nefs, has 3 employees and is based in Dordrecht.

Mrs. Linda Nefs, managing director, has overall 8 years of professional experience in the health care sector. Previously, she was managing director at Privazorg (homecare organisation) for the region Utrecht and Groene Hart.

The company’s main activity is the provision of care personnel

The company works with hotels, clinics and patients.

Samen Vaardig B.V also operating under the tradename Staffmentcare works in a triangular relationship with hotels and clinics. Patients who recently have had surgery in clinics recover in a hotel. Staffmentcare ensures the care personnel taking care of the recovering patients in these hotels.

The patients are for a variety of reasons not able to recover at home and have to stay on average for 3 to 6 weeks in the hotel.

The hired care personnel are freelancers. 

Project description

The company requests a loan of 60.000 € for 36 months to finance the recruitment of a new employee. The new employee will support the management and the care personnel at the locations in the South of the Netherlands. This project will be realised this quarter.

The amount offered on the platform is limited to 29400€, which is in line with the regulatory limits.

Analyst’s opinion

With a turnover of 693 000 € in 2018 and an experienced team, the company has a good track record combined with a two-digits operating margin.

The increase in revenue in 2018 was the result of an organic growth as recovering from surgery in hotels is rising in popularity. The forecast is based on the performance in 2018.

The borrower has an excellent repayment capacity with a forecast FCCR (Fixed Charge Cover Ratio *) at 6,29 and a strong financial structure, with a forecast net debt / ebitda ratio of 0,06 and a net debt / shareholder equity of 13%.

The analysis of the project leads to a credit rating of B and a 5,95% annual interest rate.

*The multiple of FCCR at 6,29 means that the company has a safety margin of 529% 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.

Strong points:

  • Good historical performance.
  • Excellent repayment ability with a forecasted FCCR of 6,29.
  • Company is active in a growing niche in the health care market.

Points of caution:

  • Risks associated with a strong growth