ASSISTANCE BANCAIRE FINANCIERE LOCATION DE MATERIEL-ABFLM : revenue, balance sheet and financial ratios

ASSISTANCE BANCAIRE FINANCIERE LOCATION DE MATERIEL-ABFLM is a French company founded 22 years ago, specialized in the sector Location et location-bail d'autres machines, équipements et biens matériels n.c.a. . Based in LIVRY-GARGAN (93190), this company of category PME shows in 2021 a revenue of 12.3 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

Financial history - ASSISTANCE BANCAIRE FINANCIERE LOCATION DE MATERIEL-ABFLM (SIREN 453535080)
Indicator 2025 2024 2023 2021 2020 2019 2018 2017 2016
Revenue N/C N/C N/C 12 256 179 € 10 441 049 € 11 707 955 € 7 625 579 € 7 826 492 € 6 855 167 €
Net income 1 387 233 € 1 017 798 € 965 473 € 263 364 € 162 420 € 219 308 € 170 402 € 219 808 € 151 382 €
EBITDA N/C N/C N/C 7 938 871 € 6 418 377 € 6 585 229 € 6 018 259 € 5 234 654 € 4 561 811 €
Net margin N/C N/C N/C 2.1% 1.6% 1.9% 2.2% 2.8% 2.2%

Revenue and income statement

In 2025, ASSISTANCE BANCAIRE FINANCIERE LOCATION DE MATERIEL-ABFLM generates positive net income of 1.4 M€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2025: 151 k€ -> 1.4 M€.

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

1 387 233 €

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 506%. 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 15%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

506.239%

Financial autonomy (2025) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

15.246%

Asset age ratio (2025) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

56.5%

Solvency indicators evolution
ASSISTANCE BANCAIRE FINANCIERE LOCATION DE MATERIEL-ABFLM

Sector positioning

Debt ratio
506.24 2025
2023
2024
2025
Q1: -100.0
Med: 3.81
Q3: 49.7
Watch

In 2025, the debt ratio of ASSISTANCE BANCAIRE FINAN... (506.24) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
15.25% 2025
2023
2024
2025
Q1: 14.71%
Med: 48.82%
Q3: 82.4%
Average -20 pts over 3 years

In 2025, the financial autonomy of ASSISTANCE BANCAIRE FINAN... (15.2%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 563.37. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

563.367

Liquidity indicators evolution
ASSISTANCE BANCAIRE FINANCIERE LOCATION DE MATERIEL-ABFLM

Sector positioning

Liquidity ratio
563.37 2025
2023
2024
2025
Q1: 103.54
Med: 203.36
Q3: 418.46
Excellent

In 2025, the liquidity ratio of ASSISTANCE BANCAIRE FINAN... (563.37) 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.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2025) ?
Operating WCR
Definition
Financing requirement generated by the operating cycle (inventory + receivables - trade payables).
Formula
Inventory + Customer receivables - Trade payables
Interpretation
Negative = cash released
Positive = financing needed

0 €

Customer credit (2025) ?
Customer credit (days)
Definition
Average payment term granted to customers.
Formula
(Customer receivables / Revenue incl. VAT) x 360
Interpretation
< 45j : Good
45-60j : Average
> 60j : Long

0 j

Supplier credit (2025) ?
Supplier credit (days)
Definition
Average payment term obtained from suppliers.
Formula
(Trade payables / Purchases incl. VAT) x 360
Interpretation
The longer the term, the better for cash flow

0 j

Inventory turnover (2025) ?
Inventory turnover (days)
Definition
Average storage duration for goods or materials.
Formula
(Inventory / Cost of goods) x 360
Interpretation
The lower the ratio, the faster the turnover

0 j

WCR and payment terms evolution
ASSISTANCE BANCAIRE FINANCIERE LOCATION DE MATERIEL-ABFLM

Positioning of ASSISTANCE BANCAIRE FINANCIERE LOCATION DE MATERIEL-ABFLM in its sector

Comparison with sector Location et location-bail d'autres machines, équipements et biens matériels n.c.a.

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (38 transactions). This range of 2 132 416€ to 7 973 161€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2025
Indicative
2132k€ 2444k€ 7973k€
2 444 841 € Range: 2 132 416€ - 7 973 161€
NAF 5 all-time

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 38 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Location et location-bail d'autres machines, équipements et biens matériels n.c.a. )

Compare ASSISTANCE BANCAIRE FINANCIERE LOCATION DE MATERIEL-ABFLM with other companies in the same sector:

Voir toutes les statistiques du secteur Location et location-bail d'autres machines, équipements et biens matériels n.c.a.

Frequently asked questions about ASSISTANCE BANCAIRE FINANCIERE LOCATION DE MATERIEL-ABFLM

What is the revenue of ASSISTANCE BANCAIRE FINANCIERE LOCATION DE MATERIEL-ABFLM ?

The revenue of ASSISTANCE BANCAIRE FINANCIERE LOCATION DE MATERIEL-ABFLM in 2021 is 12.3 M€.

Is ASSISTANCE BANCAIRE FINANCIERE LOCATION DE MATERIEL-ABFLM profitable?

Yes, ASSISTANCE BANCAIRE FINANCIERE LOCATION DE MATERIEL-ABFLM generated a net profit of 1.4 M€ in 2025.

Where is the headquarters of ASSISTANCE BANCAIRE FINANCIERE LOCATION DE MATERIEL-ABFLM ?

The headquarters of ASSISTANCE BANCAIRE FINANCIERE LOCATION DE MATERIEL-ABFLM is located in LIVRY-GARGAN (93190), in the department Seine-Saint-Denis.

Where to find the tax return of ASSISTANCE BANCAIRE FINANCIERE LOCATION DE MATERIEL-ABFLM ?

The tax return of ASSISTANCE BANCAIRE FINANCIERE LOCATION DE MATERIEL-ABFLM 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).

In which sector does ASSISTANCE BANCAIRE FINANCIERE LOCATION DE MATERIEL-ABFLM operate?

ASSISTANCE BANCAIRE FINANCIERE LOCATION DE MATERIEL-ABFLM operates in the sector Location et location-bail d'autres machines, équipements et biens matériels n.c.a. (NAF code 77.39Z). See the 'Sector positioning' section above to compare the company with its competitors.