ESPACE FINANCE : revenue, balance sheet and financial ratios

ESPACE FINANCE is a French company founded 24 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in NICE (06000), this company of category PME shows in 2017 a revenue of 426 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - ESPACE FINANCE (SIREN 441356318)
Indicator 2021 2019 2017 2016
Revenue N/C N/C 425 688 € 397 789 €
Net income 193 033 € 53 387 € 19 214 € 17 162 €
EBITDA N/C N/C 86 996 € 60 210 €
Net margin N/C N/C 4.5% 4.3%

Revenue and income statement

In 2021, ESPACE FINANCE generates positive net income of 193 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2021: 17 k€ -> 193 k€.

Net income (2021) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

193 033 €

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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 32%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 68%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2021) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

31.919%

Financial autonomy (2021) ?
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

67.609%

Solvency indicators evolution
ESPACE FINANCE

Sector positioning

Debt ratio
31.92 2021
2017
2019
2021
Q1: 0.06
Med: 13.41
Q3: 70.61
Average

In 2021, the debt ratio of ESPACE FINANCE (31.92) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
67.61% 2021
2017
2019
2021
Q1: 17.04%
Med: 46.52%
Q3: 72.42%
Good

In 2021, the financial autonomy of ESPACE FINANCE (67.6%) 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.

Repayment capacity
2.86 years 2017
2017
Q1: 0.0 years
Med: 0.06 years
Q3: 1.92 years
Average

In 2017, the repayment capacity of ESPACE FINANCE (2.86) 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.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2021) ?
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

0 €

Customer credit (2021) ?
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

0 j

Supplier credit (2021) ?
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

0 j

Inventory turnover (2021) ?
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 and payment terms evolution
ESPACE FINANCE

Positioning of ESPACE FINANCE in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (44 transactions). This range of 168 701€ to 1 543 796€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2021
Indicative
168k€ 238k€ 1543k€
238 101 € Range: 168 701€ - 1 543 796€
NAF 5 année 2021

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 44 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 (Activités des agents et courtiers d'assurances)

Compare ESPACE FINANCE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about ESPACE FINANCE

What is the revenue of ESPACE FINANCE ?

The revenue of ESPACE FINANCE in 2017 is 426 k€.

Is ESPACE FINANCE profitable?

Yes, ESPACE FINANCE generated a net profit of 193 k€ in 2021.

Where is the headquarters of ESPACE FINANCE ?

The headquarters of ESPACE FINANCE is located in NICE (06000), in the department Alpes-Maritimes.

Where to find the tax return of ESPACE FINANCE ?

The tax return of ESPACE 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).

In which sector does ESPACE FINANCE operate?

ESPACE FINANCE operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.