SIREN : 504746645
BOREAL FINANCE is a French company founded 17 years ago, specialized in the sector Conseil pour les affaires et autres conseils de gestion. Based in LILLE (59800), this company of category PME shows in 2021 a revenue of 31 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2021 | 2020 |
|---|---|---|
| Revenue | 30 600 € | 34 800 € |
| Net income | 21 835 € | 23 336 € |
| EBITDA | 24 475 € | 26 786 € |
| Net margin | 71.4% | 67.1% |
In 2021, BOREAL FINANCE achieves revenue of 31 k€. Significant drop of -12% vs 2020. After deducting consumption (0 €), gross margin stands at 31 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 24 k€, representing 80.0% of revenue. Positive scissor effect: EBITDA margin improves by +3.0 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 22 k€, i.e. 71.4% of revenue. This profit can be retained or distributed to shareholders.
30 600 €
30 600 €
24 475 €
23 644 €
21 835 €
80.0%
The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 98%. 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 0.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 74.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.394%
98.249%
74.072%
0.054
In 2021, the debt ratio of BOREAL FINANCE (0.39) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2021, the financial autonomy of BOREAL FINANCE (98.2%) 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 2021, the repayment capacity of BOREAL FINANCE (0.05) 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 7311.16. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
7311.16
0.0
In 2021, the liquidity ratio of BOREAL FINANCE (7311.16) 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.
In 2021, the interest coverage of BOREAL FINANCE (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 18 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 135 days. Excellent situation: suppliers finance 117 days of the operating cycle (retail model). Overall, WCR represents 6 days of revenue, i.e. 491 € to permanently finance.
491 €
18 j
135 j
0 j
6 j
Based on 61 transactions of similar company sales
in 2021,
the value of BOREAL FINANCE is estimated at
53 135 €
(range 29 310€ - 119 956€).
With an EBITDA of 24 475€, the sector multiple of 3.1x is applied.
The price/revenue ratio is 0.54x
(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 61 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 BOREAL FINANCE 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 BOREAL FINANCE in 2021 is 31 k€.
Yes, BOREAL FINANCE generated a net profit of 22 k€ in 2021.
The headquarters of BOREAL FINANCE is located in LILLE (59800), in the department Nord.
The tax return of BOREAL 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).
BOREAL FINANCE 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.