SIREN : 528512452
ACC FINANCES is a French company founded 15 years ago, specialized in the sector Activités des sociétés holding. Based in CHARVIEU-CHAVAGNEUX (38230), this company of category PME shows in 2025 a revenue of 308 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 308 157 € | 346 633 € | 601 411 € | 606 863 € | 547 379 € | 492 593 € | 450 571 € | 507 868 € | 408 457 € | 416 564 € |
| Net income | 7 176 € | 3 909 € | -46 692 € | 255 431 € | -2 800 € | -14 598 € | 2 639 € | 15 990 € | 15 231 € | -1 108 € |
| EBITDA | 141 318 € | 15 338 € | 22 202 € | 23 169 € | 20 751 € | 16 118 € | 5 706 € | 18 253 € | 15 960 € | 9 489 € |
| Net margin | 2.3% | 1.1% | -7.8% | 42.1% | -0.5% | -3.0% | 0.6% | 3.1% | 3.7% | -0.3% |
In 2025, ACC FINANCES achieves revenue of 308 k€. Activity remains stable over the period (CAGR: -3.3%). Significant drop of -11% vs 2024. After deducting consumption (0 €), gross margin stands at 308 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 141 k€, representing 45.9% of revenue. Positive scissor effect: EBITDA margin improves by +41.4 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 7 k€, i.e. 2.3% of revenue. This profit can be retained or distributed to shareholders.
308 157 €
308 157 €
141 318 €
69 452 €
7 176 €
45.9%
The debt ratio (= Financial debt / Equity x 100) stands at 27%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. Financial autonomy (= Equity / Total assets x 100) reaches 70%. 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 0.4 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 72.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
27.084%
70.44%
72.098%
0.367
In 2025, the debt ratio of ACC FINANCES (27.08) 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 2025, the financial autonomy of ACC FINANCES (70.4%) 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.
In 2025, the repayment capacity of ACC FINANCES (0.37) 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 863.80. 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 5.2x. Operating income very largely covers interest expenses: high safety margin.
863.804
5.243
In 2025, the liquidity ratio of ACC FINANCES (863.80) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2025, the interest coverage of ACC FINANCES (5.2x) 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: 17 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 16 days. The company must finance 1 days of gap between collections and payments. Overall, WCR represents 373 days of revenue, i.e. 319 k€ to permanently finance. Over 2016-2025, WCR increased by +164%, requiring additional financing.
319 340 €
17 j
16 j
0 j
373 j
Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 91 691€ to 266 801€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 20 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 ACC FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of ACC FINANCES in 2025 is 308 k€.
Yes, ACC FINANCES generated a net profit of 7 k€ in 2025.
The headquarters of ACC FINANCES is located in CHARVIEU-CHAVAGNEUX (38230), in the department Isere.
The tax return of ACC 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).
ACC FINANCES operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.