SIREN : 817448798
EBC FINANCE is a French company founded 10 years ago, specialized in the sector Activités des sièges sociaux. Based in RENNES (35000), this company of category ETI shows in 2024 a revenue of 3.5 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 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|
| Revenue | 3 451 389 € | 3 794 626 € | 2 645 924 € | 2 797 034 € | 2 369 441 € | 919 533 € | 5 000 € |
| Net income | 123 532 € | 135 846 € | 50 706 € | 68 374 € | 50 330 € | 1 684 € | -317 € |
| EBITDA | 336 951 € | 304 443 € | 147 324 € | 201 982 € | 67 787 € | 3 425 € | 87 € |
| Net margin | 3.6% | 3.6% | 1.9% | 2.4% | 2.1% | 0.2% | -6.3% |
In 2024, EBC FINANCE achieves revenue of 3.5 M€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +154.4%. Slight decline of -9% vs 2023. After deducting consumption (0 €), gross margin stands at 3.5 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 337 k€, representing 9.8% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 124 k€, i.e. 3.6% of revenue. This profit can be retained or distributed to shareholders.
3 451 389 €
3 451 389 €
336 951 €
204 150 €
123 532 €
9.8%
The debt ratio (= Financial debt / Equity x 100) stands at 358%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 13%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 5.3 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 8.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
357.533%
13.139%
8.099%
5.256
52.8%
In 2024, the debt ratio of EBC FINANCE (357.53) 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 EBC FINANCE (13.1%) 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 2024, the repayment capacity of EBC FINANCE (5.26) 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 58.70. 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 16.0x. Operating income very largely covers interest expenses: high safety margin.
58.704
15.982
In 2024, the liquidity ratio of EBC FINANCE (58.70) 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 EBC FINANCE (16.0x) 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: 18 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 54 days. Excellent situation: suppliers finance 36 days of the operating cycle (retail model). WCR is negative (-52 days): operations structurally generate cash. Notable WCR improvement over the period (-9342%), freeing up cash.
-500 935 €
18 j
54 j
0 j
-52 j
Based on 103 transactions of similar company sales in 2024, the value of EBC FINANCE is estimated at 1 473 551 € (range 412 934€ - 2 824 477€). With an EBITDA of 336 951€, the sector multiple of 5.0x is applied. 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 EBC FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sièges sociaux
The revenue of EBC FINANCE in 2024 is 3.5 M€.
Yes, EBC FINANCE generated a net profit of 124 k€ in 2024.
The headquarters of EBC FINANCE is located in RENNES (35000), in the department Ille-et-Vilaine.
The tax return of EBC 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).
EBC FINANCE 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.