SIREN : 904354578
APFIN is a French company founded 4 years ago, specialized in the sector Conseil pour les affaires et autres conseils de gestion. Based in MONTROND-LES-BAINS (42210), this company of category PME shows in 2024 a revenue of 650 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 | 2024 | 2023 | 2022 |
|---|---|---|---|
| Revenue | 650 000 € | 650 000 € | 600 000 € |
| Net income | 162 525 € | 142 559 € | 31 027 € |
| EBITDA | 88 047 € | 72 617 € | 22 583 € |
| Net margin | 25.0% | 21.9% | 5.2% |
In 2024, APFIN achieves revenue of 650 k€. Revenue is growing positively over 3 years (CAGR: +4.1%). Slight decline of 0% vs 2023. After deducting consumption (0 €), gross margin stands at 650 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 88 k€, representing 13.5% of revenue. Positive scissor effect: EBITDA margin improves by +2.4 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 163 k€, i.e. 25.0% of revenue. This profit can be retained or distributed to shareholders.
650 000 €
650 000 €
88 047 €
88 042 €
162 525 €
13.5%
The debt ratio (= Financial debt / Equity x 100) stands at 227%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 30%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 13.0 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 25.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
226.845%
30.033%
25.004%
12.996
In 2024, the debt ratio of APFIN (226.84) 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 APFIN (30.0%) 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 APFIN (13.00) 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 564.60. 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 54.7x. Operating income very largely covers interest expenses: high safety margin.
564.599
54.666
In 2024, the liquidity ratio of APFIN (564.60) 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 APFIN (54.7x) 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: 20 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 12 days. The company must finance 8 days of gap between collections and payments. Overall, WCR represents 101 days of revenue, i.e. 183 k€ to permanently finance. Over 2022-2024, WCR increased by +902%, requiring additional financing.
182 819 €
20 j
12 j
0 j
101 j
Based on 69 transactions of similar company sales
in 2024,
the value of APFIN is estimated at
541 066 €
(range 197 043€ - 1 005 736€).
With an EBITDA of 88 047€, the sector multiple of 4.3x is applied.
The price/revenue ratio is 0.66x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 69 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 APFIN with other companies in the same sector:
Voir toutes les statistiques du secteur Conseil pour les affaires et autres conseils de gestion
The revenue of APFIN in 2024 is 650 k€.
Yes, APFIN generated a net profit of 163 k€ in 2024.
The headquarters of APFIN is located in MONTROND-LES-BAINS (42210), in the department Loire.
The tax return of APFIN 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).
APFIN operates in the sector Conseil pour les affaires et autres conseils de gestion (NAF code 70.22Z). See the 'Sector positioning' section above to compare the company with its competitors.