SIREN : 500963681
CHARLIA FINANCES is a French company founded 18 years ago, specialized in the sector Activités des sièges sociaux. Based in BREST (29200), this company of category ETI shows in 2024 a revenue of 722 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-25
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 722 149 € | 710 563 € | 716 118 € | 1 591 086 € | 572 929 € | 458 034 € | 457 870 € | 494 403 € | 400 044 € |
| Net income | 650 972 € | 673 871 € | 370 885 € | 179 604 € | 313 072 € | 353 220 € | 376 178 € | 281 446 € | 129 510 € |
| EBITDA | -136 841 € | -75 791 € | -27 509 € | -13 490 € | -105 140 € | -87 998 € | -98 780 € | -104 371 € | -100 811 € |
| Net margin | 90.1% | 94.8% | 51.8% | 11.3% | 54.6% | 77.1% | 82.2% | 56.9% | 32.4% |
In 2024, CHARLIA FINANCES achieves revenue of 722 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +7.7%. Vs 2023: +2%. After deducting consumption (101 k€), gross margin stands at 621 k€, i.e. a rate of 86%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -137 k€, representing -18.9% of revenue. Warning negative scissor effect: despite revenue change (+2%), EBITDA varies by -81%, reducing margin by 8.3 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 651 k€, i.e. 90.1% of revenue. This profit can be retained or distributed to shareholders.
722 149 €
621 060 €
-136 841 €
28 575 €
650 972 €
-18.9%
The debt ratio (= Financial debt / Equity x 100) stands at 18%. 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 71%. 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 2.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 65.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
17.979%
70.792%
65.641%
2.127
94.3%
In 2024, the debt ratio of CHARLIA FINANCES (17.98) 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 CHARLIA FINANCES (70.8%) 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 2024, the repayment capacity of CHARLIA FINANCES (2.13) 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 364.61. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
364.613
-120.162
In 2024, the liquidity ratio of CHARLIA FINANCES (364.61) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.
In 2024, the interest coverage of CHARLIA FINANCES (-120.2x) 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: 648 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 759 days. Excellent situation: suppliers finance 111 days of the operating cycle (retail model). Overall, WCR represents 1715 days of revenue, i.e. 3.4 M€ to permanently finance. Over 2016-2024, WCR increased by +317%, requiring additional financing.
3 440 159 €
648 j
759 j
0 j
1715 j
Based on 103 transactions of similar company sales in 2024, the value of CHARLIA FINANCES is estimated at 2 639 373 € (range 928 068€ - 6 996 885€). The price/revenue ratio is 0.38x (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.
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This estimate is based on the analysis of 103 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 CHARLIA FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sièges sociaux
The revenue of CHARLIA FINANCES in 2024 is 722 k€.
Yes, CHARLIA FINANCES generated a net profit of 651 k€ in 2024.
The headquarters of CHARLIA FINANCES is located in BREST (29200), in the department Finistere.
The tax return of CHARLIA 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).
CHARLIA FINANCES operates in the sector Activités des sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.