SIREN : 803103779
E-PHYNANCE GROUP is a French company founded 11 years ago, specialized in the sector Autres activités de soutien aux entreprises n.c.a.. Based in CEBAZAT (63118), this company of category PME shows in 2023 a revenue of 185 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
| Indicator | 2023 | 2022 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|
| Revenue | 185 100 € | 266 800 € | 491 872 € | 486 604 € | 431 930 € |
| Net income | 2 873 € | 201 586 € | -16 103 € | 231 123 € | 750 143 € |
| EBITDA | 3 393 € | -6 031 € | -21 795 € | -23 492 € | -4 285 € |
| Net margin | 1.6% | 75.6% | -3.3% | 47.5% | 173.7% |
In 2023, E-PHYNANCE GROUP achieves revenue of 185 k€. Revenue is declining over the period 2017-2023 (CAGR: -13.2%). Significant drop of -31% vs 2022. After deducting consumption (0 €), gross margin stands at 185 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 3 k€, representing 1.8% of revenue. Positive scissor effect: EBITDA margin improves by +4.1 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 3 k€, i.e. 1.6% of revenue. This profit can be retained or distributed to shareholders.
185 100 €
185 100 €
3 393 €
3 400 €
2 873 €
1.8%
The debt ratio (= Financial debt / Equity x 100) stands at 3%. 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 94%. 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 24.1 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 1.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
2.685%
93.583%
1.552%
24.115
In 2023, the debt ratio of E-PHYNANCE GROUP (2.69) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2023, the financial autonomy of E-PHYNANCE GROUP (93.6%) 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 E-PHYNANCE GROUP (24.11) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.
The liquidity ratio (= Current assets / Current liabilities) stands at 682.63. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
682.632
0.0
In 2023, the liquidity ratio of E-PHYNANCE GROUP (682.63) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2023, the interest coverage of E-PHYNANCE GROUP (0.0x) 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: 395 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 277 days. The gap of 118 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 1160 days of revenue, i.e. 597 k€ to permanently finance. Over 2017-2023, WCR increased by +7839%, requiring additional financing.
596 637 €
395 j
277 j
0 j
1160 j
Based on 131 transactions of similar company sales (all years), the value of E-PHYNANCE GROUP is estimated at 29 935 € (range 12 930€ - 57 193€). With an EBITDA of 3 393€, the sector multiple of 4.8x is applied. The price/revenue ratio is 0.36x (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 131 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 E-PHYNANCE GROUP with other companies in the same sector:
Voir toutes les statistiques du secteur Autres activités de soutien aux entreprises n.c.a.
The revenue of E-PHYNANCE GROUP in 2023 is 185 k€.
Yes, E-PHYNANCE GROUP generated a net profit of 3 k€ in 2023.
The headquarters of E-PHYNANCE GROUP is located in CEBAZAT (63118), in the department Puy-de-Dome.
The tax return of E-PHYNANCE GROUP 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).
E-PHYNANCE GROUP operates in the sector Autres activités de soutien aux entreprises n.c.a. (NAF code 82.99Z). See the 'Sector positioning' section above to compare the company with its competitors.