SIREN : 429814395
EMPRUNTIS is a French company founded 26 years ago, specialized in the sector Autres intermédiations monétaires. Based in SAINT-DENIS (93200), this company of category ETI shows in 2023 a revenue of 7.3 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 | 2023 | 2022 | 2021 | 2020 | 2019 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 7 311 307 € | 6 437 128 € | 6 585 696 € | 7 729 634 € | 12 776 430 € | 18 809 446 € | 17 791 509 € | 19 649 559 € |
| Net income | -3 300 090 € | -6 971 861 € | -5 243 411 € | -3 911 904 € | 109 385 € | 1 829 002 € | 1 809 592 € | 2 813 623 € |
| EBITDA | -1 257 868 € | -3 885 934 € | -4 590 398 € | -2 913 220 € | -221 675 € | 2 678 194 € | 2 924 337 € | 5 268 053 € |
| Net margin | -45.1% | -108.3% | -79.6% | -50.6% | 0.9% | 9.7% | 10.2% | 14.3% |
In 2023, EMPRUNTIS achieves revenue of 7.3 M€. Revenue is declining over the period 2015-2023 (CAGR: -11.6%). Vs 2022, growth of +14% (6.4 M€ -> 7.3 M€). After deducting consumption (0 €), gross margin stands at 7.3 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 -1.3 M€, representing -17.2% of revenue. Positive scissor effect: EBITDA margin improves by +43.2 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -3.3 M€ (-45.1% of revenue), which will impact equity.
7 311 307 €
7 311 307 €
-1 257 868 €
-2 982 405 €
-3 300 090 €
-17.1%
The debt ratio (= Financial debt / Equity x 100) stands at -138%. 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 -130%. Low autonomy: the company heavily depends on external financing (banks, suppliers).
-137.533%
-129.727%
-33.164%
-4.523
15.2%
In 2023, the debt ratio of EMPRUNTIS (-137.53) 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 EMPRUNTIS (-129.7%) ranks in the bottom 25% of the sector. This ratio represents the share of equity in total financing. Low autonomy may limit investment capacity and increase vulnerability.
In 2023, the repayment capacity of EMPRUNTIS (-4.52) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 143.09. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
143.09
-25.535
In 2023, the liquidity ratio of EMPRUNTIS (143.09) 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 2023, the interest coverage of EMPRUNTIS (-25.5x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 157 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 73 days. The gap of 84 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 119 days of revenue, i.e. 2.4 M€ to permanently finance. Over 2015-2023, WCR increased by +94%, requiring additional financing.
2 417 337 €
157 j
73 j
0 j
119 j
Based on 94 transactions of similar company sales
in 2023,
the value of EMPRUNTIS is estimated at
2 826 467 €
(range 1 296 477€ - 5 503 012€).
The price/revenue ratio is 0.39x
(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.
Only this financial indicator is available for this company.
This estimate is based on the analysis of 94 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 EMPRUNTIS with other companies in the same sector:
Voir toutes les statistiques du secteur Autres intermédiations monétaires
The revenue of EMPRUNTIS in 2023 is 7.3 M€.
EMPRUNTIS recorded a net loss in 2023.
The headquarters of EMPRUNTIS is located in SAINT-DENIS (93200), in the department Seine-Saint-Denis.
The tax return of EMPRUNTIS 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).
EMPRUNTIS operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.