C'EST MON PLAN DE FINANCEMENT : revenue, balance sheet and financial ratios

C'EST MON PLAN DE FINANCEMENT is a French company now closed founded 9 years ago, formerly specialized in the sector Autre distribution de crédit. Based in VAUX-LE-PENIL (77000), this company of category ETI shows in 2023 a revenue of 24 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

Financial history - C'EST MON PLAN DE FINANCEMENT (SIREN 828475459)
Indicator 2023 2022 2021 2020 2019 2017
Revenue 23 502 € 110 722 € 196 100 € 226 996 € 153 466 € 11 886 €
Net income -46 366 € -28 409 € -20 799 € -62 392 € -183 178 € 5 995 €
EBITDA -39 629 € -12 835 € -8 829 € -56 079 € -181 349 € 7 203 €
Net margin -197.3% -25.7% -10.6% -27.5% -119.4% 50.4%

Revenue and income statement

In 2023, C'EST MON PLAN DE FINANCEMENT achieves revenue of 24 k€. Over the period 2017-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +12.0%. Significant drop of -79% vs 2022. After deducting consumption (0 €), gross margin stands at 24 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 -40 k€, representing -168.6% of revenue. Warning negative scissor effect: despite revenue change (-79%), EBITDA varies by -209%, reducing margin by 157.0 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -46 k€ (-197.3% of revenue), which will impact equity.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

23 502 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

23 502 €

EBITDA (2023) ?
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

-39 629 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-37 917 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-46 366 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-168.6%

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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 -111%. 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 -731%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

-110.819%

Financial autonomy (2023) ?
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

-731.153%

Cash flow / Revenue (2023) ?
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

-259.927%

Repayment capacity (2023) ?
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

-5.906

Solvency indicators evolution
C'EST MON PLAN DE FINANCEMENT

Sector positioning

Debt ratio
-110.82 2023
2021
2022
2023
Q1: 0.0
Med: 16.65
Q3: 102.7
Excellent

In 2023, the debt ratio of C'EST MON PLAN DE FINANCE... (-110.82) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
-731.15% 2023
2021
2022
2023
Q1: 10.98%
Med: 45.7%
Q3: 82.3%
Watch

In 2023, the financial autonomy of C'EST MON PLAN DE FINANCE... (-731.1%) ranks in the bottom 25% of the sector. This ratio represents the share of equity in total financing. Low autonomy may limit investment capacity and increase vulnerability.

Repayment capacity
-5.91 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.0 years
Q3: 2.38 years
Excellent

In 2023, the repayment capacity of C'EST MON PLAN DE FINANCE... (-5.91) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 476.67. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

476.667

Interest coverage (2023) ?
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

-17.853

Liquidity indicators evolution
C'EST MON PLAN DE FINANCEMENT

Sector positioning

Liquidity ratio
476.67 2023
2021
2022
2023
Q1: 138.43
Med: 387.45
Q3: 1020.67
Good

In 2023, the liquidity ratio of C'EST MON PLAN DE FINANCE... (476.67) 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
-17.85x 2023
2021
2022
2023
Q1: -1.38x
Med: 0.0x
Q3: 0.35x
Watch

In 2023, the interest coverage of C'EST MON PLAN DE FINANCE... (-17.9x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.

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: 147 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 110 days. The gap of 37 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 92 days of revenue, i.e. 6 k€ to permanently finance. Notable WCR improvement over the period (-49%), freeing up cash.

Operating WCR (2023) ?
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

6 000 €

Customer credit (2023) ?
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

147 j

Supplier credit (2023) ?
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

110 j

Inventory turnover (2023) ?
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 (2023) ?
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

92 j

WCR and payment terms evolution
C'EST MON PLAN DE FINANCEMENT

Positioning of C'EST MON PLAN DE FINANCEMENT in its sector

Comparison with sector Autre distribution de crédit

Valuation estimate

Based on 135 transactions of similar company sales (all years), the value of C'EST MON PLAN DE FINANCEMENT is estimated at 2 680 € (range 2 221€ - 5 368€). The price/revenue ratio is 0.11x (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 2023
135 transactions
2k€ 2k€ 5k€
2 680 € Range: 2 221€ - 5 368€
NAF 5 all-time

Valuation method used

Revenue Multiple
23 502 € × 0.11x = 2 681 €
Range: 2 221€ - 5 369€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 135 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 (Autre distribution de crédit)

Compare C'EST MON PLAN DE FINANCEMENT with other companies in the same sector:

Voir toutes les statistiques du secteur Autre distribution de crédit

Frequently asked questions about C'EST MON PLAN DE FINANCEMENT

What is the revenue of C'EST MON PLAN DE FINANCEMENT ?

The revenue of C'EST MON PLAN DE FINANCEMENT in 2023 is 24 k€.

Is C'EST MON PLAN DE FINANCEMENT profitable?

C'EST MON PLAN DE FINANCEMENT recorded a net loss in 2023.

Where is the headquarters of C'EST MON PLAN DE FINANCEMENT ?

The headquarters of C'EST MON PLAN DE FINANCEMENT is located in VAUX-LE-PENIL (77000), in the department Seine-et-Marne.

Where to find the tax return of C'EST MON PLAN DE FINANCEMENT ?

The tax return of C'EST MON PLAN DE FINANCEMENT 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 C'EST MON PLAN DE FINANCEMENT operate?

C'EST MON PLAN DE FINANCEMENT operates in the sector Autre distribution de crédit (NAF code 64.92Z). See the 'Sector positioning' section above to compare the company with its competitors.