SIREN : 478990039
AZLO is a French company founded 21 years ago, specialized in the sector Fonds de placement et entités financières similaires. Based in SAINT-ETIENNE (42000), this company of category PME shows in 2025 a revenue of 100 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 | 99 711 € | 87 456 € | 78 049 € | 67 897 € | 64 160 € | 50 843 € | 45 137 € | 174 721 € | 39 526 € | 39 417 € |
| Net income | 11 780 € | 6 279 € | 9 905 € | 6 768 € | 33 776 € | 20 407 € | 8 978 € | 7 516 € | 10 364 € | 564 € |
| EBITDA | 57 078 € | 42 526 € | 28 977 € | 47 961 € | 48 170 € | 32 488 € | 25 035 € | 26 180 € | 24 320 € | 25 395 € |
| Net margin | 11.8% | 7.2% | 12.7% | 10.0% | 52.6% | 40.1% | 19.9% | 4.3% | 26.2% | 1.4% |
In 2025, AZLO achieves revenue of 100 k€. Over the period 2016-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +10.9%. Vs 2024, growth of +14% (87 k€ -> 100 k€). After deducting consumption (0 €), gross margin stands at 100 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 57.2% of revenue. Positive scissor effect: EBITDA margin improves by +8.6 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 12 k€, i.e. 11.8% of revenue. This profit can be retained or distributed to shareholders.
99 711 €
99 711 €
57 078 €
22 313 €
11 780 €
57.2%
The debt ratio (= Financial debt / Equity x 100) stands at 201%. 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 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 8.2 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 46.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
200.826%
61.632%
46.679%
8.246
70.8%
In 2025, the debt ratio of AZLO (200.83) 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 2025, the financial autonomy of AZLO (61.6%) 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 AZLO (8.25) 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 39.25. 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 14.9x. Operating income very largely covers interest expenses: high safety margin.
39.25
14.883
In 2025, the liquidity ratio of AZLO (39.25) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.
In 2025, the interest coverage of AZLO (14.9x) 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: 15 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 71 days. Excellent situation: suppliers finance 56 days of the operating cycle (retail model). WCR is negative (-156 days): operations structurally generate cash. Notable WCR improvement over the period (-604%), freeing up cash.
-43 158 €
15 j
71 j
0 j
-156 j
Based on 170 transactions of similar company sales (all years), the value of AZLO is estimated at 239 975 € (range 147 063€ - 405 279€). With an EBITDA of 57 078€, the sector multiple of 6.8x is applied. The price/revenue ratio is 0.71x (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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 170 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 AZLO with other companies in the same sector:
Voir toutes les statistiques du secteur Fonds de placement et entités financières similaires
The revenue of AZLO in 2025 is 100 k€.
Yes, AZLO generated a net profit of 12 k€ in 2025.
The headquarters of AZLO is located in SAINT-ETIENNE (42000), in the department Loire.
The tax return of AZLO 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).
AZLO operates in the sector Fonds de placement et entités financières similaires (NAF code 64.30Z). See the 'Sector positioning' section above to compare the company with its competitors.