SIREN : 408834778
AGIFPASS BANQUE / FINANCE is a French company founded 29 years ago, specialized in the sector Formation continue d'adultes. Based in PUTEAUX (92800), this company of category PME shows in 2024 a revenue of 3.6 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3 600 474 € | 2 924 507 € | 2 814 357 € | 2 813 477 € | 1 776 944 € | 3 535 400 € | 3 614 985 € | 5 368 625 € | 2 813 222 € |
| Net income | 104 975 € | 116 013 € | 116 225 € | 210 767 € | -9 364 € | -31 582 € | 229 318 € | 1 016 727 € | 13 816 € |
| EBITDA | 206 847 € | 165 817 € | 244 532 € | 346 155 € | 5 979 € | 77 418 € | 352 813 € | 1 714 578 € | 67 343 € |
| Net margin | 2.9% | 4.0% | 4.1% | 7.5% | -0.5% | -0.9% | 6.3% | 18.9% | 0.5% |
In 2024, AGIFPASS BANQUE / FINANCE achieves revenue of 3.6 M€. Revenue is growing positively over 9 years (CAGR: +3.6%). Vs 2023, growth of +23% (2.9 M€ -> 3.6 M€). After deducting consumption (0 €), gross margin stands at 3.6 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 207 k€, representing 5.7% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 105 k€, i.e. 2.9% of revenue. This profit can be retained or distributed to shareholders.
3 600 474 €
3 600 474 €
206 847 €
150 428 €
104 975 €
5.7%
The debt ratio (= Financial debt / Equity x 100) stands at 10%. 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 62%. 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 0.9 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 4.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
9.827%
61.969%
4.525%
0.869
1.1%
In 2024, the debt ratio of AGIFPASS BANQUE / FINANCE (9.83) 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 AGIFPASS BANQUE / FINANCE (62.0%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2024, the repayment capacity of AGIFPASS BANQUE / FINANCE (0.87) 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 356.63. 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 1.5x. Coverage is limited: any activity downturn would jeopardize interest payments.
356.626
1.514
In 2024, the liquidity ratio of AGIFPASS BANQUE / FINANCE (356.63) 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 2024, the interest coverage of AGIFPASS BANQUE / FINANCE (1.5x) 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: 96 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 70 days. The company must finance 26 days of gap between collections and payments. Overall, WCR represents 121 days of revenue, i.e. 1.2 M€ to permanently finance. Over 2017-2024, WCR increased by +104%, requiring additional financing.
1 210 767 €
96 j
70 j
0 j
121 j
Based on 134 transactions of similar company sales (all years), the value of AGIFPASS BANQUE / FINANCE is estimated at 671 985 € (range 233 074€ - 1 671 549€). With an EBITDA of 206 847€, the sector multiple of 2.2x is applied. The price/revenue ratio is 0.36x (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.
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This estimate is based on the analysis of 134 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 AGIFPASS BANQUE / FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Formation continue d'adultes
The revenue of AGIFPASS BANQUE / FINANCE in 2024 is 3.6 M€.
Yes, AGIFPASS BANQUE / FINANCE generated a net profit of 105 k€ in 2024.
The headquarters of AGIFPASS BANQUE / FINANCE is located in PUTEAUX (92800), in the department Hauts-de-Seine.
The tax return of AGIFPASS BANQUE / FINANCE 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).
AGIFPASS BANQUE / FINANCE operates in the sector Formation continue d'adultes (NAF code 85.59A). See the 'Sector positioning' section above to compare the company with its competitors.