NATIONAL BANK OF KUWAIT FRANCE SA : revenue, balance sheet and financial ratios

NATIONAL BANK OF KUWAIT FRANCE SA is a French company founded 7 years ago, specialized in the sector Autres intermédiations monétaires. Based in PARIS (75008), this company of category PME shows in 2023 a revenue of 3.9 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Historique financier - NATIONAL BANK OF KUWAIT FRANCE SA (SIREN 840233266)
Kennzahl 2023 2022
Umsatz 3 852 294 € 3 116 967 €
Nettoergebnis 10 206 256 € -1 921 196 €
EBITDA -10 844 526 € -8 585 428 €
Nettomarge 264.9% -61.6%

Umsatz und Gewinn- und Verlustrechnung

In 2023, NATIONAL BANK OF KUWAIT FRANCE SA achieves revenue of 3.9 M€. Vs 2022, growth of +24% (3.1 M€ -> 3.9 M€). After deducting consumption (0 €), gross margin stands at 3.9 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -10.8 M€, representing -281.5% of revenue. Warning negative scissor effect: despite revenue change (+24%), EBITDA varies by -26%, reducing margin by 6.1 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 10.2 M€, i.e. 264.9% of revenue. This profit can be retained or distributed to shareholders.

Umsatz (2023) ?
Umsatz
Definition
Gesamtbetrag der Verkäufe von Waren und Dienstleistungen des Unternehmens.
Formel
Warenverkäufe + Verkaufte Produktion

3 852 294 €

Bruttomarge (2023) ?
Bruttomarge
Definition
Differenz zwischen Umsatz und Wareneinsatz.
Formel
Umsatz - Wareneinsatz

3 852 294 €

EBITDA (2023) ?
EBITDA (Betriebsergebnis vor Abschreibungen)
Definition
Ressource générée par l'activité courante, avant amortissements et charges financières.
Formel
Wertschöpfung - Personalkosten - Steuern
Interpretation
Positiv = rentable Tätigkeit

-10 844 526 €

EBIT (2023) ?
EBIT (Betriebsergebnis)
Definition
Betriebsergebnis, einschließlich Abschreibungen und Rückstellungen.
Formel
EBITDA - Abschreibungen und Rückstellungen + Auflösungen

-10 692 411 €

Nettoergebnis (2023) ?
Nettoergebnis
Definition
Bénéfice ou perte après toutes les charges, y compris impôts et éléments exceptionnels.
Formel
Ordentliches Ergebnis + Außerordentliches Ergebnis - Ertragsteuern

10 206 256 €

EBITDA-Marge (2023) ?
EBITDA-Marge
Definition
Misst die operative Rentabilität des Unternehmens.
Formel
(EBE / CA) x 100
Interpretation
> 10% : Gute Rentabilität
5-10% : Durchschnitt
< 5% : Faible

-281.5%

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Solvenz- und Verschuldungskennzahlen

The debt ratio (= Financial debt / Equity x 100) stands at 369%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 21%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 79.9 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 278.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Verschuldungsgrad (2023) ?
Verschuldungsgrad
Definition
Misst das Verhältnis von Schulden zu Eigenkapital.
Formel
(Finanzschulden / Eigenkapital) x 100
Interpretation
< 50% : Faible
50-100% : Moderat
> 100% : Hoch

369.332%

Finanzielle Autonomie (2023) ?
Finanzielle Autonomie
Definition
Anteil des Eigenkapitals an der Gesamtfinanzierung.
Formel
(Eigenkapital / Bilanzsumme) x 100
Interpretation
> 30% : Gute Autonomie
20-30% : Durchschnitt
< 20% : Faible

20.714%

Cashflow / Umsatz (2023) ?
Cashflow / Umsatz
Definition
Capacité d'autofinancement rapportée au chiffre d'affaires.
Formel
(CAF / CA) x 100
Interpretation
Je höher das Verhältnis, desto mehr Liquidität generiert das Unternehmen

278.192%

Rückzahlungsfähigkeit (2023) ?
Rückzahlungsfähigkeit
Definition
Anzahl der Jahre zur Schuldenrückzahlung mit dem Cashflow.
Formel
Dettes financières / CAF
Interpretation
< 3 Jahre : Ausgezeichnet
3-5 Jahre : Angemessen
> 5 Jahre : Attention

79.887

Anlagenaltersquote (2023) ?
Anlagenaltersquote
Definition
Misst den Abnutzungsgrad des Sachanlagevermögens.
Formel
Kumulierte Abschreibungen / Bruttoanlagevermögen x 100
Interpretation
< 50% : Neue Anlagen
50-70% : Normale Abnutzung
> 70% : Alternde Anlagen

50.5%

Entwicklung der Solvenzkennzahlen
NATIONAL BANK OF KUWAIT FRANCE SA

Positionnement sectoriel

Debt ratio
369.33 2023
2022
2023
Q1: 0.0
Méd: 2.31
Q3: 480.76
Average +12 pts über 2 Jahre

In 2023, the debt ratio of NATIONAL BANK OF KUWAIT F... (369.33) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
20.71% 2023
2022
2023
Q1: 3.92%
Méd: 8.69%
Q3: 52.89%
Good -7 pts über 2 Jahre

In 2023, the financial autonomy of NATIONAL BANK OF KUWAIT F... (20.7%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
79.89 years 2023
2022
2023
Q1: 0.0 years
Méd: 0.0 years
Q3: 24.76 years
Watch -21 pts über 2 Jahre

In 2023, the repayment capacity of NATIONAL BANK OF KUWAIT F... (79.89) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquiditätskennzahlen

The liquidity ratio (= Current assets / Current liabilities) stands at 896.36. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquiditätsquote (2023) ?
Liquiditätsquote
Definition
Fähigkeit, kurzfristige Schulden mit dem Umlaufvermögen zu decken.
Formel
Umlaufvermögen / Kurzfristige Verbindlichkeiten
Interpretation
> 1.5 : Sehr gut
1-1.5 : Angemessen
< 1 : Risque de liquidité

896.359

Zinsdeckung (2023) ?
Zinsdeckung
Definition
Fähigkeit, Zinsaufwendungen mit dem Betriebsergebnis zu decken.
Formel
EBIT / Zinsaufwendungen
Interpretation
> 3 : Komfortabel
1.5-3 : Acceptable
< 1.5 : Risiko

-297.081

Entwicklung der Liquiditätskennzahlen
NATIONAL BANK OF KUWAIT FRANCE SA

Positionnement sectoriel

Liquidity ratio
896.36 2023
2022
2023
Q1: 0.0
Méd: 107.46
Q3: 357.86
Excellent

In 2023, the liquidity ratio of NATIONAL BANK OF KUWAIT F... (896.36) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
-297.08x 2023
2022
2023
Q1: 0.0x
Méd: 0.0x
Q3: 6.44x
Watch

In 2023, the interest coverage of NATIONAL BANK OF KUWAIT F... (-297.1x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.

Umlaufvermögensbedarf und Zahlungsfristen

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 203 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 0 days. The gap of 203 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. WCR is negative (-2347 days): operations structurally generate cash.

Operatives Working Capital (2023) ?
Operatives Working Capital
Definition
Besoin de financement généré par le cycle d'exploitation (stocks + créances - dettes fournisseurs).
Formel
Stocks + Créances clients - Dettes fournisseurs
Interpretation
Negativ = freigesetzte Liquidität
Positiv = Finanzierungsbedarf

-25 117 381 €

Kundenforderungen (2023) ?
Kundenforderungen (Tage)
Definition
Durchschnittliche Zahlungsfrist für Kunden.
Formel
(Kundenforderungen / Umsatz inkl. MwSt.) x 360
Interpretation
< 45j : Gut
45-60j : Durchschnitt
> 60j : Lang

203 j

Lieferantenverbindlichkeiten (2023) ?
Lieferantenverbindlichkeiten (Tage)
Definition
Durchschnittliche Zahlungsfrist von Lieferanten.
Formel
(Lieferantenverbindlichkeiten / Einkäufe inkl. MwSt.) x 360
Interpretation
Je länger die Frist, desto besser für die Liquidität

0 j

Lagerumschlag (2023) ?
Lagerumschlag (Tage)
Definition
Durchschnittliche Lagerdauer für Waren oder Materialien.
Formel
(Vorräte / Einkaufskosten) x 360
Interpretation
Je niedriger das Verhältnis, desto schneller der Umschlag

0 j

Working Capital in Umsatztagen (2023) ?
Working Capital in Umsatztagen
Definition
Drückt den Betriebskapitalbedarf in Umsatztagen aus.
Formel
(BFR exploitation / CA) x 360
Interpretation
Je weniger Tage, desto besser das Working Capital Management

-2347 j

Entwicklung des Working Capital und der Zahlungsfristen
NATIONAL BANK OF KUWAIT FRANCE SA

Positionnement de NATIONAL BANK OF KUWAIT FRANCE SA dans son secteur

Vergleich mit der Branche Autres intermédiations monétaires

Bewertungsschätzung

Based on 94 transactions of similar company sales in 2023, the value of NATIONAL BANK OF KUWAIT FRANCE SA is estimated at 40 474 230 € (range 15 026 525€ - 63 476 387€). The price/revenue ratio is 0.39x (conservative valuation). This multiples method compares the actual sale price of similar companies to their financial indicators (Revenue, EBITDA, Net Income). It provides a market-based indicative estimate.
Medium reliability: estimate to be confirmed with in-depth analysis.

Estimated enterprise value 2023
94 tx
15026k€ 40474k€ 63476k€
40 474 230 € Range: 15 026 525€ - 63 476 387€
Section année 2023 Aggregated at NAF section level

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
3 852 294 € × 0.39x
Estimation 1 489 253 €
683 108€ - 2 899 512€
Net Income Multiple 20%
10 206 256 € × 9.7x
Estimation 98 951 697 €
36 541 652€ - 154 341 702€

Bewertungsentwicklung

How is this estimate calculated?

This estimate is based on the analysis of 94 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Autres intermédiations monétaires)

Compare NATIONAL BANK OF KUWAIT FRANCE SA with other companies in the same sector:

Voir toutes les statistiques du secteur Autres intermédiations monétaires

Frequently asked questions about NATIONAL BANK OF KUWAIT FRANCE SA

What is the revenue of NATIONAL BANK OF KUWAIT FRANCE SA ?

The revenue of NATIONAL BANK OF KUWAIT FRANCE SA in 2023 is 3.9 M€.

Is NATIONAL BANK OF KUWAIT FRANCE SA profitable?

Yes, NATIONAL BANK OF KUWAIT FRANCE SA generated a net profit of 10.2 M€ in 2023.

Where is the headquarters of NATIONAL BANK OF KUWAIT FRANCE SA ?

The headquarters of NATIONAL BANK OF KUWAIT FRANCE SA is located in PARIS (75008), in the department Paris.

Where to find the tax return of NATIONAL BANK OF KUWAIT FRANCE SA ?

The tax return of NATIONAL BANK OF KUWAIT FRANCE SA is available on this page. Click on a year in the 'Data by year' section to view the account details (assets, liabilities, income statement). Data comes from INPI (National Institute of Industrial Property).

In which sector does NATIONAL BANK OF KUWAIT FRANCE SA operate?

NATIONAL BANK OF KUWAIT FRANCE SA operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.