EMIL FREY FRANCE FINANCEMENT ET SERVICES : revenue, balance sheet and financial ratios

EMIL FREY FRANCE FINANCEMENT ET SERVICES is a French company founded 17 years ago, specialized in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.. Based in CHASSENEUIL-DU-POITOU (86360), this company of category GE shows in 2024 a revenue of 38.6 M€. 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

Financial history - EMIL FREY FRANCE FINANCEMENT ET SERVICES (SIREN 509357893)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 38 563 160 € 23 283 948 € 34 596 764 € 28 440 223 € 25 385 562 € 23 828 857 € 18 857 003 € 17 197 773 € 15 023 567 €
Net income 22 145 145 € 10 934 897 € 19 535 956 € 14 858 319 € 12 229 158 € 10 524 746 € 8 410 096 € 7 517 368 € 5 934 317 €
EBITDA 29 833 383 € 14 708 075 € 26 297 293 € 20 316 196 € 17 173 695 € 15 515 031 € 12 560 583 € 11 245 824 € 9 121 372 €
Net margin 57.4% 47.0% 56.5% 52.2% 48.2% 44.2% 44.6% 43.7% 39.5%

Revenue and income statement

In 2024, EMIL FREY FRANCE FINANCEMENT ET SERVICES achieves revenue of 38.6 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +12.5%. Vs 2023, growth of +66% (23.3 M€ -> 38.6 M€). After deducting consumption (0 €), gross margin stands at 38.6 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 29.8 M€, representing 77.4% of revenue. Positive scissor effect: EBITDA margin improves by +14.2 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 22.1 M€, i.e. 57.4% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

38 563 160 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

38 563 160 €

EBITDA (2024) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

29 833 383 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

29 821 323 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

22 145 145 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

77.4%

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

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 29%. The balance between equity and debt is satisfactory. Cash flow represents 57.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.0%

Financial autonomy (2024) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

28.9%

Cash flow / Revenue (2024) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

57.426%

Repayment capacity (2024) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

0.0

Solvency indicators evolution
EMIL FREY FRANCE FINANCEMENT ET SERVICES

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 3.37
Q3: 50.52
Excellent

In 2024, the debt ratio of EMIL FREY FRANCE FINANCEM... (0.00) 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.

Financial autonomy
28.9% 2024
2022
2023
2024
Q1: 2.67%
Med: 40.69%
Q3: 75.63%
Average -26 pts over 3 years

In 2024, the financial autonomy of EMIL FREY FRANCE FINANCEM... (28.9%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
0.0 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 1.48 years
Excellent

In 2024, the repayment capacity of EMIL FREY FRANCE FINANCEM... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 140.54. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

140.537

Interest coverage (2024) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

0.0

Liquidity indicators evolution
EMIL FREY FRANCE FINANCEMENT ET SERVICES

Sector positioning

Liquidity ratio
140.54 2024
2022
2023
2024
Q1: 139.62
Med: 325.32
Q3: 1062.61
Average -26 pts over 3 years

In 2024, the liquidity ratio of EMIL FREY FRANCE FINANCEM... (140.54) 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.

Interest coverage
0.0x 2024
2022
2023
2024
Q1: -0.45x
Med: 0.0x
Q3: 0.61x
Good +25 pts over 3 years

In 2024, the interest coverage of EMIL FREY FRANCE FINANCEM... (0.0x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 326 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 125 days. The gap of 201 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 241 days of revenue, i.e. 25.8 M€ to permanently finance. Over 2016-2024, WCR increased by +293%, requiring additional financing.

Operating WCR (2024) ?
Operating WCR
Definition
Financing requirement generated by the operating cycle (inventory + receivables - trade payables).
Formula
Inventory + Customer receivables - Trade payables
Interpretation
Negative = cash released
Positive = financing needed

25 787 185 €

Customer credit (2024) ?
Customer credit (days)
Definition
Average payment term granted to customers.
Formula
(Customer receivables / Revenue incl. VAT) x 360
Interpretation
< 45j : Good
45-60j : Average
> 60j : Long

326 j

Supplier credit (2024) ?
Supplier credit (days)
Definition
Average payment term obtained from suppliers.
Formula
(Trade payables / Purchases incl. VAT) x 360
Interpretation
The longer the term, the better for cash flow

125 j

Inventory turnover (2024) ?
Inventory turnover (days)
Definition
Average storage duration for goods or materials.
Formula
(Inventory / Cost of goods) x 360
Interpretation
The lower the ratio, the faster the turnover

0 j

WCR in days of revenue (2024) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

241 j

WCR and payment terms evolution
EMIL FREY FRANCE FINANCEMENT ET SERVICES

Positioning of EMIL FREY FRANCE FINANCEMENT ET SERVICES in its sector

Comparison with sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Valuation estimate

Based on 103 transactions of similar company sales (all years), the value of EMIL FREY FRANCE FINANCEMENT ET SERVICES is estimated at 56 360 431 € (range 24 232 911€ - 122 604 219€). With an EBITDA of 29 833 383€, the sector multiple of 2.5x is applied. The price/revenue ratio is 0.30x (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.

Estimated enterprise value 2024
103 transactions
24232k€ 56360k€ 122604k€
56 360 431 € Range: 24 232 911€ - 122 604 219€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
29 833 383 € × 2.5x
Estimation 76 022 454 €
33 853 347€ - 149 480 825€
Revenue Multiple 30%
38 563 160 € × 0.30x
Estimation 11 761 343 €
6 256 829€ - 32 543 269€
Net Income Multiple 20%
22 145 145 € × 3.3x
Estimation 74 104 009 €
27 145 947€ - 190 504 135€

Valuation evolution

How is this estimate calculated?

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.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.)

Compare EMIL FREY FRANCE FINANCEMENT ET SERVICES with other companies in the same sector:

Voir toutes les statistiques du secteur Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Frequently asked questions about EMIL FREY FRANCE FINANCEMENT ET SERVICES

What is the revenue of EMIL FREY FRANCE FINANCEMENT ET SERVICES ?

The revenue of EMIL FREY FRANCE FINANCEMENT ET SERVICES in 2024 is 38.6 M€.

Is EMIL FREY FRANCE FINANCEMENT ET SERVICES profitable?

Yes, EMIL FREY FRANCE FINANCEMENT ET SERVICES generated a net profit of 22.1 M€ in 2024.

Where is the headquarters of EMIL FREY FRANCE FINANCEMENT ET SERVICES ?

The headquarters of EMIL FREY FRANCE FINANCEMENT ET SERVICES is located in CHASSENEUIL-DU-POITOU (86360), in the department Vienne.

Where to find the tax return of EMIL FREY FRANCE FINANCEMENT ET SERVICES ?

The tax return of EMIL FREY FRANCE FINANCEMENT ET SERVICES 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).

In which sector does EMIL FREY FRANCE FINANCEMENT ET SERVICES operate?

EMIL FREY FRANCE FINANCEMENT ET SERVICES operates in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a. (NAF code 66.19B). See the 'Sector positioning' section above to compare the company with its competitors.