SIREN : 440322899
AEL FINANCES is a French company founded 24 years ago, specialized in the sector Gestion de fonds. Based in CHAMPOLY (42430), this company of category PME shows in 2016 a revenue of 810 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 | 2016 |
|---|---|
| Revenue | 810 000 € |
| Net income | 74 797 € |
| EBITDA | 57 189 € |
| Net margin | 9.2% |
In 2016, AEL FINANCES achieves revenue of 810 k€. After deducting consumption (0 €), gross margin stands at 810 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 57 k€, representing 7.1% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 75 k€, i.e. 9.2% of revenue. This profit can be retained or distributed to shareholders.
810 000 €
810 000 €
57 189 €
71 619 €
74 797 €
7.1%
The debt ratio (= Financial debt / Equity x 100) stands at 128%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 43%. 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 179.1 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 7.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
127.912%
43.287%
7.453%
179.141
In 2016, the debt ratio of AEL FINANCES (127.91) 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 2016, the financial autonomy of AEL FINANCES (43.3%) 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 2016, the repayment capacity of AEL FINANCES (179.14) 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 4067.97. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
4067.967
0.0
In 2016, the liquidity ratio of AEL FINANCES (4067.97) 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.
In 2016, the interest coverage of AEL FINANCES (0.0x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 60 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 114 days. Excellent situation: suppliers finance 54 days of the operating cycle (retail model). Overall, WCR represents 986 days of revenue, i.e. 2.2 M€ to permanently finance.
2 219 489 €
60 j
114 j
0 j
986 j
Based on 601 transactions of similar company sales (all years), the value of AEL FINANCES is estimated at 348 677 € (range 150 186€ - 648 402€). With an EBITDA of 57 189€, the sector multiple of 4.1x is applied. The price/revenue ratio is 0.50x (in line with sector norms). 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.
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This estimate is based on the analysis of 601 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 AEL FINANCES with other companies in the same sector:
The revenue of AEL FINANCES in 2016 is 810 k€.
Yes, AEL FINANCES generated a net profit of 75 k€ in 2016.
The headquarters of AEL FINANCES is located in CHAMPOLY (42430), in the department Loire.
The tax return of AEL 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).
AEL 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.