SIREN : 494886799
CV FINANCE is a French company founded 19 years ago, specialized in the sector Activités des marchands de biens immobiliers. Based in FACHES-THUMESNIL (59155), this company of category PME shows in 2024 a revenue of 2.3 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 | 2024 | 2023 | 2022 | 2021 | 2019 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 2 342 861 € | 10 791 458 € | 7 116 323 € | N/C | 6 514 203 € | 1 414 742 € | N/C |
| Net income | 51 854 € | 845 123 € | 816 800 € | 121 889 € | 562 894 € | 53 823 € | 254 365 € |
| EBITDA | 158 081 € | 1 190 912 € | 1 169 128 € | N/C | 1 089 328 € | 258 370 € | N/C |
| Net margin | 2.2% | 7.8% | 11.5% | N/C | 8.6% | 3.8% | N/C |
In 2024, CV FINANCE achieves revenue of 2.3 M€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +7.5%. Significant drop of -78% vs 2023. After deducting consumption (1.8 M€), gross margin stands at 549 k€, i.e. a rate of 23%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 158 k€, representing 6.7% of revenue. Warning negative scissor effect: despite revenue change (-78%), EBITDA varies by -87%, reducing margin by 4.3 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 52 k€, i.e. 2.2% of revenue. This profit can be retained or distributed to shareholders.
2 342 861 €
548 872 €
158 081 €
120 598 €
51 854 €
6.7%
The debt ratio (= Financial debt / Equity x 100) stands at 58%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 40%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 12.2 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 3.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
57.556%
39.899%
3.813%
12.223
79.5%
In 2024, the debt ratio of CV FINANCE (57.56) 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 CV FINANCE (39.9%) 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 CV FINANCE (12.22) 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 720.55. 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 17.3x. Operating income very largely covers interest expenses: high safety margin.
720.549
17.303
In 2024, the liquidity ratio of CV FINANCE (720.55) 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 2024, the interest coverage of CV FINANCE (17.3x) 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. Inventory turnover is 687 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 401 days of revenue, i.e. 2.6 M€ to permanently finance.
2 606 737 €
0 j
0 j
687 j
401 j
Indicative estimate only : the number of comparable transactions in this sector is limited (22 transactions). This range of 513 322€ to 1 128 824€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 22 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 CV FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des marchands de biens immobiliers
The revenue of CV FINANCE in 2024 is 2.3 M€.
Yes, CV FINANCE generated a net profit of 52 k€ in 2024.
The headquarters of CV FINANCE is located in FACHES-THUMESNIL (59155), in the department Nord.
The tax return of CV FINANCE 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).
CV FINANCE operates in the sector Activités des marchands de biens immobiliers (NAF code 68.10Z). See the 'Sector positioning' section above to compare the company with its competitors.