SIREN : 827802737
CNOVA PAY is a French company founded 9 years ago, specialized in the sector Autres intermédiations monétaires. Based in BORDEAUX (33300), this company of category GE shows in 2022 a revenue of 7.7 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 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|
| Revenue | 7 698 336 € | 7 199 099 € | 3 527 129 € | 1 572 440 € | 1 813 985 € | N/C |
| Net income | 319 438 € | 291 988 € | 610 024 € | 83 451 € | 206 412 € | -991 734 € |
| EBITDA | 965 119 € | 937 995 € | 827 135 € | 108 249 € | 231 214 € | -991 733 € |
| Net margin | 4.1% | 4.1% | 17.3% | 5.3% | 11.4% | N/C |
In 2022, CNOVA PAY achieves revenue of 7.7 M€. Over the period 2018-2022, the company shows strong growth with a CAGR (compound annual growth rate) of +43.5%. Vs 2021: +7%. After deducting consumption (0 €), gross margin stands at 7.7 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 965 k€, representing 12.5% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 319 k€, i.e. 4.1% of revenue. This profit can be retained or distributed to shareholders.
7 698 336 €
7 698 336 €
965 119 €
937 497 €
319 438 €
12.5%
The debt ratio (= Financial debt / Equity x 100) stands at 111%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 8%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 17.7 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 4.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
111.384%
7.523%
4.508%
17.714
In 2022, the debt ratio of CNOVA PAY (111.38) 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 2022, the financial autonomy of CNOVA PAY (7.5%) 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 2022, the repayment capacity of CNOVA PAY (17.71) 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 118.32. 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 53.0x. Operating income very largely covers interest expenses: high safety margin.
118.323
53.007
In 2022, the liquidity ratio of CNOVA PAY (118.32) 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 2022, the interest coverage of CNOVA PAY (53.0x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 63 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 65 days. Favorable situation: supplier credit is longer than customer credit by 2 days. WCR is negative (-2738 days): operations structurally generate cash.
-58 549 002 €
63 j
65 j
0 j
-2738 j
Based on 95 transactions of similar company sales
in 2022,
the value of CNOVA PAY is estimated at
3 222 636 €
(range 1 326 545€ - 7 458 973€).
With an EBITDA of 965 119€, the sector multiple of 2.8x is applied.
The price/revenue ratio is 0.68x
(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 95 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 CNOVA PAY with other companies in the same sector:
Voir toutes les statistiques du secteur Autres intermédiations monétaires
The revenue of CNOVA PAY in 2022 is 7.7 M€.
Yes, CNOVA PAY generated a net profit of 319 k€ in 2022.
The headquarters of CNOVA PAY is located in BORDEAUX (33300), in the department Gironde.
The tax return of CNOVA PAY 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).
CNOVA PAY operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.