CABOT FINANCIAL FRANCE : revenue, balance sheet and financial ratios

CABOT FINANCIAL FRANCE is a French company founded 20 years ago, specialized in the sector Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle. Based in CALUIRE-ET-CUIRE (69300), this company of category PME shows in 2024 a revenue of 25.9 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 - CABOT FINANCIAL FRANCE (SIREN 488862277)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 25 932 150 € 19 884 514 € 19 864 579 € 18 672 326 € 13 738 765 € 10 270 071 € 6 416 207 € 4 856 060 € 4 240 947 €
Net income 1 567 794 € 2 066 820 € 1 219 266 € 1 753 839 € 187 046 € 709 574 € 429 755 € 346 783 € 71 332 €
EBITDA 3 796 194 € 1 342 646 € 4 870 016 € 5 352 327 € 3 785 027 € 2 902 129 € 1 623 358 € 743 090 € 526 246 €
Net margin 6.0% 10.4% 6.1% 9.4% 1.4% 6.9% 6.7% 7.1% 1.7%

Revenue and income statement

In 2024, CABOT FINANCIAL FRANCE achieves revenue of 25.9 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +25.4%. Vs 2023, growth of +30% (19.9 M€ -> 25.9 M€). After deducting consumption (0 €), gross margin stands at 25.9 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 3.8 M€, representing 14.6% of revenue. Positive scissor effect: EBITDA margin improves by +7.9 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 1.6 M€, i.e. 6.0% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

25 932 150 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

25 932 150 €

EBITDA (2024) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

3 796 194 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

1 208 339 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

1 567 794 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

14.6%

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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 145%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 24%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 16.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

144.795%

Financial autonomy (2024) ?
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

24.236%

Cash flow / Revenue (2024) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

15.967%

Repayment capacity (2024) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

2.331

Asset age ratio (2024) ?
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

47.7%

Solvency indicators evolution
CABOT FINANCIAL FRANCE

Sector positioning

Debt ratio
144.79 2024
2022
2023
2024
Q1: 0.0
Med: 3.83
Q3: 45.91
Watch

In 2024, the debt ratio of CABOT FINANCIAL FRANCE (144.79) 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
24.24% 2024
2022
2023
2024
Q1: 2.37%
Med: 31.72%
Q3: 53.17%
Average

In 2024, the financial autonomy of CABOT FINANCIAL FRANCE (24.2%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
2.33 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.65 years
Watch

In 2024, the repayment capacity of CABOT FINANCIAL FRANCE (2.33) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 225.88. 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 3.0x. Financial charges are adequately covered by operations.

Liquidity ratio (2024) ?
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

225.876

Interest coverage (2024) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

2.975

Liquidity indicators evolution
CABOT FINANCIAL FRANCE

Sector positioning

Liquidity ratio
225.88 2024
2022
2023
2024
Q1: 130.85
Med: 203.74
Q3: 398.26
Good -22 pts over 3 years

In 2024, the liquidity ratio of CABOT FINANCIAL FRANCE (225.88) 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.

Interest coverage
2.98x 2024
2022
2023
2024
Q1: -0.0x
Med: 0.0x
Q3: 0.8x
Excellent

In 2024, the interest coverage of CABOT FINANCIAL FRANCE (3.0x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 141 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 47 days. The gap of 94 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 13 days of revenue, i.e. 962 k€ to permanently finance. Notable WCR improvement over the period (-43%), freeing up cash.

Operating WCR (2024) ?
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

961 823 €

Customer credit (2024) ?
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

141 j

Supplier credit (2024) ?
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

47 j

Inventory turnover (2024) ?
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 in days of revenue (2024) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

13 j

WCR and payment terms evolution
CABOT FINANCIAL FRANCE

Positioning of CABOT FINANCIAL FRANCE in its sector

Comparison with sector Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle

Valuation estimate

Based on 158 transactions of similar company sales (all years), the value of CABOT FINANCIAL FRANCE is estimated at 10 128 850 € (range 3 772 301€ - 22 700 246€). With an EBITDA of 3 796 194€, the sector multiple of 3.3x is applied. The price/revenue ratio is 0.36x (conservative valuation). 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.

Estimated enterprise value 2024
158 transactions
3772k€ 10128k€ 22700k€
10 128 850 € Range: 3 772 301€ - 22 700 246€
NAF 4 all-time Aggregated at NAF sub-class level

Valuation detail by method

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EBITDA Multiple 50%
3 796 194 € × 3.3x
Estimation 12 659 255 €
4 096 300€ - 30 027 901€
Revenue Multiple 30%
25 932 150 € × 0.36x
Estimation 9 241 963 €
4 830 710€ - 17 319 387€
Net Income Multiple 20%
1 567 794 € × 3.3x
Estimation 5 133 172 €
1 374 695€ - 12 452 402€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 158 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 (Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle)

Compare CABOT FINANCIAL FRANCE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle

Frequently asked questions about CABOT FINANCIAL FRANCE

What is the revenue of CABOT FINANCIAL FRANCE ?

The revenue of CABOT FINANCIAL FRANCE in 2024 is 25.9 M€.

Is CABOT FINANCIAL FRANCE profitable?

Yes, CABOT FINANCIAL FRANCE generated a net profit of 1.6 M€ in 2024.

Where is the headquarters of CABOT FINANCIAL FRANCE ?

The headquarters of CABOT FINANCIAL FRANCE is located in CALUIRE-ET-CUIRE (69300), in the department Rhone.

Where to find the tax return of CABOT FINANCIAL FRANCE ?

The tax return of CABOT FINANCIAL FRANCE 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 CABOT FINANCIAL FRANCE operate?

CABOT FINANCIAL FRANCE operates in the sector Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle (NAF code 82.91Z). See the 'Sector positioning' section above to compare the company with its competitors.