SIREN : 341396067
CONVERGENCE FINANCIERE is a French company founded 39 years ago, specialized in the sector Activités des sociétés holding. Based in CESSON (77240), this company of category PME shows in 2023 a revenue of 343 k€. 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
| Indicator | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 342 879 € | 85 800 € | 206 275 € | 145 900 € | 141 580 € | 152 350 € | 145 357 € | 161 352 € | 150 141 € |
| Net income | 663 550 € | 107 531 € | 73 025 € | 115 440 € | 214 879 € | 235 571 € | 53 542 € | 21 196 € | -319 765 € |
| EBITDA | 48 541 € | -213 669 € | -6 319 € | -56 969 € | -23 192 € | -21 730 € | -64 020 € | -74 733 € | -56 631 € |
| Net margin | 193.5% | 125.3% | 35.4% | 79.1% | 151.8% | 154.6% | 36.8% | 13.1% | -213.0% |
In 2023, CONVERGENCE FINANCIERE achieves revenue of 343 k€. Over the period 2015-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +10.9%. Vs 2022, growth of +300% (86 k€ -> 343 k€). After deducting consumption (0 €), gross margin stands at 343 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 49 k€, representing 14.2% of revenue. Positive scissor effect: EBITDA margin improves by +263.2 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 664 k€, i.e. 193.5% of revenue. This profit can be retained or distributed to shareholders.
342 879 €
342 879 €
48 541 €
301 778 €
663 550 €
14.2%
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 96%. 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 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 115.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.009%
95.842%
115.234%
0.001
In 2023, the debt ratio of CONVERGENCE FINANCIERE (0.01) 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.
In 2023, the financial autonomy of CONVERGENCE FINANCIERE (95.8%) 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 2023, the repayment capacity of CONVERGENCE FINANCIERE (0.00) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
The liquidity ratio (= Current assets / Current liabilities) stands at 0.00. Alert: short-term debt exceeds current assets. Risk of payment difficulties without cash reinforcement. The interest coverage ratio (= EBIT / Interest expenses) is 11.4x. Operating income very largely covers interest expenses: high safety margin.
0.0
11.351
In 2023, the liquidity ratio of CONVERGENCE FINANCIERE (0.00) 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 2023, the interest coverage of CONVERGENCE FINANCIERE (11.3x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 54 days. Excellent situation: suppliers finance 54 days of the operating cycle (retail model). WCR is negative (-114 days): operations structurally generate cash. Notable WCR improvement over the period (-192%), freeing up cash.
-109 039 €
0 j
54 j
0 j
-114 j
Based on 63 transactions of similar company sales
in 2023,
the value of CONVERGENCE FINANCIERE is estimated at
1 373 528 €
(range 284 383€ - 2 099 097€).
With an EBITDA of 48 541€, the sector multiple of 4.6x is applied.
The price/revenue ratio is 0.24x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 63 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 CONVERGENCE FINANCIERE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of CONVERGENCE FINANCIERE in 2023 is 343 k€.
Yes, CONVERGENCE FINANCIERE generated a net profit of 664 k€ in 2023.
The headquarters of CONVERGENCE FINANCIERE is located in CESSON (77240), in the department Seine-et-Marne.
The tax return of CONVERGENCE FINANCIERE 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).
CONVERGENCE FINANCIERE operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.