SIREN : 819765181
2 L FINANCES is a French company founded 10 years ago, specialized in the sector Gestion de fonds. Based in MONTMOROT (39570), this company of category PME shows in 2024 a revenue of 266 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 265 996 € | 291 626 € | 222 256 € | 56 929 € | N/C | N/C | N/C | N/C |
| Net income | 14 096 € | 34 566 € | 2 026 € | 3 905 € | -4 273 € | -5 360 € | -3 777 € | -4 829 € |
| EBITDA | 20 366 € | 41 711 € | -6 455 € | 2 439 € | -2 466 € | -4 410 € | -2 818 € | -4 146 € |
| Net margin | 5.3% | 11.9% | 0.9% | 6.9% | N/C | N/C | N/C | N/C |
In 2024, 2 L FINANCES achieves revenue of 266 k€. Over the period 2021-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +67.2%. Slight decline of -9% vs 2023. After deducting consumption (0 €), gross margin stands at 266 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 20 k€, representing 7.7% of revenue. Warning negative scissor effect: despite revenue change (-9%), EBITDA varies by -51%, reducing margin by 6.6 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 14 k€, i.e. 5.3% of revenue. This profit can be retained or distributed to shareholders.
265 996 €
265 996 €
20 366 €
32 196 €
14 096 €
7.7%
The debt ratio (= Financial debt / Equity x 100) stands at 149%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 37%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 496.0 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 0.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
149.413%
36.926%
0.851%
496.018
In 2024, the debt ratio of 2 L FINANCES (149.41) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of 2 L FINANCES (36.9%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of 2 L FINANCES (496.02) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 447.23. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 193.4x. Operating income very largely covers interest expenses: high safety margin.
447.229
193.352
In 2024, the liquidity ratio of 2 L FINANCES (447.23) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.
In 2024, the interest coverage of 2 L FINANCES (193.3x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 40 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 16 days. The company must finance 24 days of gap between collections and payments. Overall, WCR represents 310 days of revenue, i.e. 229 k€ to permanently finance.
229 118 €
40 j
16 j
0 j
310 j
Based on 62 transactions of similar company sales
in 2024,
the value of 2 L FINANCES is estimated at
93 984 €
(range 33 680€ - 218 900€).
With an EBITDA of 20 366€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.30x
(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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 62 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare 2 L FINANCES with other companies in the same sector:
The revenue of 2 L FINANCES in 2024 is 266 k€.
Yes, 2 L FINANCES generated a net profit of 14 k€ in 2024.
The headquarters of 2 L FINANCES is located in MONTMOROT (39570), in the department Jura.
The tax return of 2 L FINANCES 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).
2 L FINANCES operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.