Iberaval closed 2024 with 23,600 financing operations to SMEs, autonomous and active entrepreneurs for a total amount of 1,681.7 million euros. A figure that integrates the money provided throughout the last year, specifically in 5,759 activities financed by 655.1 million euros, which meant growth of more than 7 percent with respect to the previous year.
The guarantee society (SGR), It is thus the most active in this sector, With a growing weight and a consolidated initiative, and already accumulates a decade of constant progress, as a consequence of another positive year in their support for companies.
The president of Iberaval, César Pontvianne, has detailed at a press conference the most relevant data of the company for 2024, which today will be transferred to the General Meeting of Partners. Pontvianne stressed that the guarantee society was 24.4 percent of the financing action of the entire SGR sector in Spain, And, in its accumulated, it contributes 21.2 percent of current financing (living risk) in our country.
From that living risk, Pontvianne explained, Iberoval contributes to the support of more than 241,000 jobswith the impact that this has on local economies of those territories in which it has a physical presence, such as Castilla y León, La Rioja, Madrid and Galicia, although it already covers financing operations throughout Spain, from a web attention team.
Another fact that has highlighted has been the one referred to that 12 percent of the financed companies were newly createdunderstanding by these those that accumulate an activity of less than two years.
Industry, Commerce and Investment
In 2024 The sectors that distributed the highest cake of the Iberoval financing cake were trade and industry, With 25 percent of the total and 162 million each; followed by services, with 141 million euros, with 22 percent, and construction, with 14 percent. Lower weight reached hospitality and tourism (6 percent), as well as transport (6 percent), and primary (2 percent).
Regarding the destination of the funds that Iberval agreed to grant SMEs, self -employed and entrepreneurs, 33.8 percent went to investment projects, while the rest, 66.2 percent allowed to inject liquidity into projects of partners of the entity.
The standard financial operation over the past year in Iberoval amounted to 161,000 euros, with an average return period of five years and three months (63 months). It must be indicated that only a decade ago that amount was 83,000 euros, with average return deadlines of 58 months.
Regarding the size of the companies benefiting from the support of the guarantee society, 42 percent were small businessesfollowed by micropymes -this is companies between one and five employees -, which represented 41 percent of the total; followed by medium -sized companies, with almost 17 percent. The Great Company had a residual prominence in the operation of the guarantee society.
As of December 31, 2024, the global number of Iberoval members exceeded 39,200, 4 percent more than the conclusion of the previous year. The SGR consists of protective partners – or institutional – and participating or individual partners.
Forecast for 2025
The forecasts for the year 2025 suggest that 40,000 partners will be exceededwhich constitutes another historical milestone for the entity. Among them, they accumulated on that date a social capital of 110 million euros. The bulk of that amount (66 percent) comes from contributions from business partners, while the remaining 34 percent corresponds to institutional ones.
Among the most important protective partners that Iberoval has, by volume of capital contribution, are the Institute for Business Competitiveness of Castilla y León (ICECYL), the Economic Development Agency of La Rioja (ADER), belonging to the government of that Autonomous Community, or the Madrid City Council. In addition, Iberaval maintains a narrow and fruitful collaboration with the Institute for Economic Promotion of Galicia, the IGAPE, dependent on the Galician Xunta, which has continuity in this 2024.
In fact, the Guarantee Society currently has bonus products such as those included in ICECYL Finance, by the Institute for Business Competitiveness (ICE) of Castilla y León, with whom it also manages a financial instrument of countergarranty for digital competitiveness, co -financed with Feder
Regarding the challenges facing the entity for the current year, there are greater accompaniment to companies that bet on digitalization, the search for efficiency and sustainability. In the words of César Pontvianne, «The figures support our management And they placed us one more year as the guarantee society headed by the National Guarantees System in Spain, and we will work because in 2025 this remains so ».
Similarly, strengthening productive investment is another key milestone in Iberoval’s trial to maintain the progress of business growth, as Pontvianne has detailed, who stressed that the positioning of Iberaval is clearly supported by the support it has of public entities, which channel their support from the business from the guarantee society.
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