SIREN : 095720165
BAYI FINANCES is a French company founded 69 years ago, specialized in the sector Activités des sociétés holding. Based in ALENCON (61000), this company of category ETI shows in 2024 a revenue of 7.6 M€. 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 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 7 585 911 € | 6 721 074 € | 5 287 372 € | 5 567 245 € | 4 833 017 € | 4 706 917 € | 4 537 307 € | 4 690 789 € | 4 501 112 € |
| Net income | 2 452 229 € | 1 274 764 € | 1 202 114 € | 1 255 972 € | 1 332 387 € | 1 408 420 € | 1 076 983 € | 899 167 € | 204 343 € |
| EBITDA | 3 860 707 € | 3 282 784 € | 2 314 801 € | 2 673 270 € | 1 931 357 € | 1 802 090 € | 1 794 376 € | 1 759 430 € | 1 576 526 € |
| Net margin | 32.3% | 19.0% | 22.7% | 22.6% | 27.6% | 29.9% | 23.7% | 19.2% | 4.5% |
In 2024, BAYI FINANCES achieves revenue of 7.6 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +6.7%. Vs 2023, growth of +13% (6.7 M€ -> 7.6 M€). After deducting consumption (48 k€), gross margin stands at 7.5 M€, i.e. a rate of 99%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 3.9 M€, representing 50.9% of revenue. Positive scissor effect: EBITDA margin improves by +2.0 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 2.5 M€, i.e. 32.3% of revenue. This profit can be retained or distributed to shareholders.
7 585 911 €
7 538 125 €
3 860 707 €
2 571 135 €
2 452 229 €
50.9%
The debt ratio (= Financial debt / Equity x 100) stands at 118%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 45%. 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 9.6 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 48.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
117.659%
45.263%
48.642%
9.61
63.5%
In 2024, the debt ratio of BAYI FINANCES (117.66) 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 BAYI FINANCES (45.3%) 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 2024, the repayment capacity of BAYI FINANCES (9.61) 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 1669.00. 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 33.4x. Operating income very largely covers interest expenses: high safety margin.
1669.0
33.395
In 2024, the liquidity ratio of BAYI FINANCES (1669.00) 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 BAYI FINANCES (33.4x) 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: 39 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 49 days. Favorable situation: supplier credit is longer than customer credit by 10 days. Overall, WCR represents 681 days of revenue, i.e. 14.3 M€ to permanently finance. Over 2016-2024, WCR increased by +75%, requiring additional financing.
14 347 385 €
39 j
49 j
0 j
681 j
Based on 54 transactions of similar company sales
in 2024,
the value of BAYI FINANCES is estimated at
11 390 843 €
(range 2 870 436€ - 21 342 534€).
With an EBITDA of 3 860 707€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.59x
(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 54 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 BAYI FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of BAYI FINANCES in 2024 is 7.6 M€.
Yes, BAYI FINANCES generated a net profit of 2.5 M€ in 2024.
The headquarters of BAYI FINANCES is located in ALENCON (61000), in the department Orne.
The tax return of BAYI 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).
BAYI FINANCES operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.