SIREN : 531069060
AB FINANCIAL is a French company founded 15 years ago, specialized in the sector Gestion de fonds. Based in SAINT-ROMAIN-LE-PUY (42610), this company of category PME shows in 2024 a revenue of 642 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 | 2021 | 2020 | 2018 | 2017 |
|---|---|---|---|---|---|---|
| Revenue | 641 684 € | 430 651 € | 716 855 € | 1 473 819 € | 708 976 € | 935 446 € |
| Net income | -297 946 € | -58 262 € | 8 300 € | -207 244 € | 566 € | 2 890 € |
| EBITDA | 137 259 € | -223 746 € | 51 202 € | 57 846 € | -11 325 € | 13 174 € |
| Net margin | -46.4% | -13.5% | 1.2% | -14.1% | 0.1% | 0.3% |
In 2024, AB FINANCIAL achieves revenue of 642 k€. Revenue is declining over the period 2017-2024 (CAGR: -5.2%). Vs 2023, growth of +49% (431 k€ -> 642 k€). After deducting consumption (0 €), gross margin stands at 642 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 137 k€, representing 21.4% of revenue. Positive scissor effect: EBITDA margin improves by +73.3 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Net income is negative at -298 k€ (-46.4% of revenue), which will impact equity.
641 684 €
641 684 €
137 259 €
11 335 €
-297 946 €
21.4%
The debt ratio (= Financial debt / Equity x 100) stands at 80%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 48%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 8.0 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 20.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
80.35%
48.237%
20.753%
7.998
67.9%
In 2024, the debt ratio of AB FINANCIAL (80.35) 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 AB FINANCIAL (48.2%) 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 AB FINANCIAL (8.00) ranks above the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A reduction effort could improve financial strength.
The liquidity ratio (= Current assets / Current liabilities) stands at 185.55. 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 230.2x. Operating income very largely covers interest expenses: high safety margin.
185.548
230.184
In 2024, the liquidity ratio of AB FINANCIAL (185.55) 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 AB FINANCIAL (230.2x) 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: 115 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 56 days. The gap of 59 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 57 days of revenue, i.e. 102 k€ to permanently finance. Over 2017-2024, WCR increased by +24%, requiring additional financing.
102 342 €
115 j
56 j
0 j
57 j
Based on 62 transactions of similar company sales
in 2024,
the value of AB FINANCIAL is estimated at
484 834 €
(range 165 912€ - 1 130 503€).
With an EBITDA of 137 259€, 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.
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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 AB FINANCIAL with other companies in the same sector:
The revenue of AB FINANCIAL in 2024 is 642 k€.
AB FINANCIAL recorded a net loss in 2024.
The headquarters of AB FINANCIAL is located in SAINT-ROMAIN-LE-PUY (42610), in the department Loire.
The tax return of AB FINANCIAL 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).
AB FINANCIAL operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.