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Company overview
Registry & firmographics
CENTRO TEST SRL
Legal form SR - Limited liability company
ATECO classification 86.23 - Dental practice activities
Company status A - Active
Branches 2
Employees 24
Founded 2009
Website www.centrosanmarco.dental
Last filing 30/04/2026
Negative events NO
PSCORE
Cash flow score
Loading chart...
91
Confidence Levels
0-15% Very Low
15-30% Low
30-45% Below Average
45-60% Average
60-75% Good
75-90% High
90-100% Excellent
Monthly Threshold
Available cash flow for new funding
€ 50,705
EBITDA (ABS. / %)
Financial Performance
€ 1,155,395 / 27 %
Risk
Risk assessment
Scores
Regularity
Payment consistency
Low
Breach
Limit violations
Low
Adversity
Adverse indicators
Low
Business Flags
2 / 9 detectedUnmatched Internal Transfer Clear
KYC/AML Trans Clear
Cash Balance Clear
Contract High Risk Detected
Anomaly Detection Detected
Cash Deterioration Clear
Hardcore Overdraft Clear
PA Trans Clear
Cash Transactions Clear
Affordability Analysis
Loan affordability analysis
Financial Overview
Key indicators
Max Loan Amount
€582,897.52
at 0.00% interest
DSCR Ratio
5.19x
Excess Cash Flow
€608,464.07
After debt service
Loan Period
12 months
1.0 years
KPIs
Financial metrics
Cashflow Trend Positive
Anti-fraud Check Low Risk
Seasonality Low
Visibility Limited
pMark
Performance Benchmark
| KPI | VALUE | MEDIAN / PERCENTILE |
|---|---|---|
| 91 | 47 100%
|
| Revenues | € 4.3M | € 2.8M 84%
|
| EBITDA | € 1.2M | € 64.2K 98%
|
| EBITDA % | 27% | 2% 96%
|
| DSCR | 5.19x | 1.08x 76%
|
| Salaries outflow | € -1.3M | € -38.4K 0%
|
| Financial contracts | 3 | 2 50%
|
| Top 3 inflow | 1.54% | 0.78% 56%
|
| Top 3 outflow | 3.71% | 33.57% 12%
|
Accounts Overview
Account metrics
Scores
Coverage
Recency
Summary
Accounts 1
Coverage 12 month(s)
Period 2026-01-02 - 2026-12-31
Latest Overdraft € 0.00
Severe Overdraft € 0.00
Average Balance
The average balance of the full historical balances
€ 571,181.25
Balance Evolution Historical balance progression
9 months ago Recent
9 Months
€ 666,093.99
Baseline
+9%
6 Months
€ 721,472.02
Mid-term
+16%
3 Months
€ 833,213.39
Recent
Accounts
1 Accounts Account
Source
Bank
Time Coverage
Total Inflow
Total Outflow
Net Flow
Overdraft Limit
IT18P0306909606100000012847
CORE
N/A
Jan 2026 - Dec 2026
€ 4,335,096.38
€ 3,725,651.91
€ 609,444.47
—
Financial Statements
Annual accounts & draft periods
Line item FY2024 FY2025 YoY
Revenue
Net revenue €3.9M €4.3M +12.1%
Cost structure
Cost of services -€1.6M -€1.7M
Gross profit €2.3M 58.7% €2.6M 59.6% +13.6%
Operating expenses
Salaries & personnel -€1.1M -€1.3M
General & admin -€88.1k -€93.7k
Other operating costs -€49.8k -€53.2k
EBITDA €982.2k 25.4% €1.2M 26.7% +17.6%
Below EBITDA
Depreciation & amort. -€271.0k -€286.4k
Interest expense -€31.3k -€26.0k
Income tax -€221.6k -€271.4k
Net income €458.3k 11.9% €571.6k 13.2% +24.7%
Current ratio 1.49x Just below 1.5x
Debt / Equity 0.42x Deleveraging
EBITDA margin 26.7% Improving
Net debt / EBITDA 0.12x Near net cash
Accounts vs. transactions reconciliation
Declared financial statements vs. transaction-derived metrics — FY2025
Metric Declared Accounts (FY2025) Observed Transaction analysis Delta Signal
Revenue €4,327.3k €4,327.3k (patient collections) +€0.0k (0.0%) OK
EBITDA €1,155.4k (26.7%) €753.5k (operating cash flow) -€401.9k (-34.8%) Flag
Cash position €480.2k (FY2025 close) €571.2k (avg balance) +€91.0k (+18.9%) Review
Interest & fees €26.0k €26.0k (interest + bank fees) €0.0k (0.0%) OK
OK Delta <15% — consistent Review 15–30% — explain Flag >30% or directional mismatch — investigate
Cashflow Analysis
Yearly cashflow statement
| INFLOWS | INFLOWPERCENTAGE | OUTFLOWS | OUTFLOWPERCENTAGE | |
|---|---|---|---|---|
| book | € 4,327,316 | 100 % | € -1,749,861 | 47 % |
| book netting | ||||
| GROSS MARGIN | € 2,577,455 | |||
| taxes | € -401,883 | 11 % | ||
| general expenses | € 6,800 | 0 % | € -93,737 | 3 % |
| salaries | € -1,275,122 | 34 % | ||
| misc rent/lease | ||||
| netting | ||||
| misc | € -60,000 | 2 % | ||
| OPERATING TOTAL | € 753,512 | |||
| investment | ||||
| financing (shareholder) | ||||
| INVESTING TOTAL | ||||
| financing | € -81,840 | 2 % | ||
| financing (amortizing) | ||||
| financing (lease) | € -37,200 | 1 % | ||
| financing (interest) | € 980 | 0 % | € -1,235 | 0 % |
| financing (fees) | € -24,773 | 1 % | ||
| FINANCING TOTAL | € -144,067 | |||
| TOTAL CASHFLOW | € 609,444 | |||
| transaction visibility | 99 % |
Cash Counterparties
Counterparty analysis
7 Entities
Entity
Amount
Percentage
BANCO BPM S.P.A.
Source
60,000.00 €
1%
GENERALI ITALIA S.P.A.
Source
6,800.00 €
0%
BANCO BPM S.P.A.
Destination
-81,840.00 €
2%
HENRY SCHEIN
Destination
-30,933.30 €
1%
BNP PARIBAS LEASE GROUP S.R.L.
Destination
-25,440.00 €
1%
MEDIOCREDITO ITALIANO S.P.A.
Destination
-22,080.00 €
1%
ZIMMER BIOMET
Destination
-17,531.90 €
0%
Financial Regularity Analysis
Financial contract analysis and regularity
OVERVIEW
Contract Summary
No of contracts 3
With missed payments 0
With late payments 0
Credit Facility (Leasing)
No irregularities or adverse detected
Amortizing Credit Facility
No irregularities or adverse detected
Other Regularity Analysis
Other contract analysis and regularity
OVERVIEW
Contract Summary
No of contracts 3
With late payments 0
With missed payments 0
Salaries
No irregularities or adverse detected
Complete Transactions
Transaction analysis
1764 Transactions
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