{"application_date":"2026-04-10","application_reference":"LA-2026-0419","lender_name":"Meridian Capital Partners NV","lender_contact":"Business Lending Desk — lending@meridiancapital.be","applicant":{"legal_name":"Acme Supplies SRL","legal_form":"Société à Responsabilité Limitée","registration":"BE 0678.901.234 — RCS Brussels","vat_id":"BE0678901234","address":"Rue du Commerce 48, 1000 Brussels, Belgium","industry":"Industrial wholesale and B2B logistics","headcount":42,"contact_name":"Marie Laurent","contact_email":"m.laurent@acmesupplies.be","contact_phone":"+32 2 512 34 56"},"request":{"amount":250000.0,"purpose":"Finance the acquisition of warehouse automation equipment (conveyor + picking robots) to increase throughput at the Liège distribution centre and support the growth plan described in the business plan attached as Annex A.","term_months":60,"requested_rate":5.75,"schedule_kind":"amortizing","preferred_disbursement_date":"2026-05-20"},"collateral_summary":"First-ranking pledge offered on the financed equipment (estimated resale value EUR 180,000 net), plus a joint and several personal guarantee from the managing director capped at EUR 100,000. No real-estate collateral offered; the premises at Liège are leased.","financials":{"revenue":{"y_minus_2":3845000.0,"y_minus_1":4212000.0,"y_last":4687500.0},"ebitda":{"y_minus_2":412000.0,"y_minus_1":498000.0,"y_last":586000.0},"net_income":{"y_minus_2":198000.0,"y_minus_1":247000.0,"y_last":312000.0}},"existing_debt":[{"lender":"KBC Bank NV","kind":"Credit line (working capital)","original_amount":150000.0,"outstanding_amount":62500.0,"rate":6.25,"maturity":"2027-12-31"},{"lender":"ING Belgium","kind":"Equipment lease — forklift fleet","original_amount":95000.0,"outstanding_amount":48200.0,"rate":4.85,"maturity":"2028-06-30"},{"lender":"BNP Paribas Fortis","kind":"Investment loan (2022 fit-out)","original_amount":180000.0,"outstanding_amount":79400.0,"rate":3.95,"maturity":"2029-03-31"}],"signatory":{"name":"Thibault Moreau","title":"Managing Director"}}