SIREN : 907797310
FAV FINANCES is a French company founded 4 years ago, specialized in the sector Gestion de fonds. Based in LONS-LE-SAUNIER (39000), this company of category PME shows in 2024 a revenue of 260 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-11
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 |
|---|---|---|---|
| Revenue | 260 000 € | 220 000 € | 120 000 € |
| Net income | 326 238 € | 419 613 € | 17 712 € |
| EBITDA | 79 395 € | 55 051 € | 26 791 € |
| Net margin | 125.5% | 190.7% | 14.8% |
In 2024, FAV FINANCES achieves revenue of 260 k€. Over the period 2022-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +47.2%. Vs 2023, growth of +18% (220 k€ -> 260 k€). After deducting consumption (0 €), gross margin stands at 260 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 79 k€, representing 30.5% of revenue. Positive scissor effect: EBITDA margin improves by +5.5 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 326 k€, i.e. 125.5% of revenue. This profit can be retained or distributed to shareholders.
260 000 €
260 000 €
79 395 €
79 395 €
326 238 €
30.5%
The debt ratio (= Financial debt / Equity x 100) stands at 637%. 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 14.9 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 125.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
637.14%
13.439%
125.476%
14.932
In 2024, the debt ratio of FAV FINANCES (637.14) 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 FAV FINANCES (13.4%) 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 FAV FINANCES (14.93) 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 355.74. 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 55.0x. Operating income very largely covers interest expenses: high safety margin.
355.739
54.981
In 2024, the liquidity ratio of FAV FINANCES (355.74) 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 FAV FINANCES (55.0x) 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: 194 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 34 days. The gap of 160 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 161 days of revenue, i.e. 116 k€ to permanently finance. Over 2022-2024, WCR increased by +39%, requiring additional financing.
116 007 €
194 j
34 j
0 j
161 j
Based on 62 transactions of similar company sales
in 2024,
the value of FAV FINANCES is estimated at
696 464 €
(range 208 448€ - 1 450 278€).
With an EBITDA of 79 395€, the sector multiple of 4.8x 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.
Medium reliability: estimate to be confirmed with in-depth analysis.
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This estimate is based on the analysis of 62 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 FAV FINANCES with other companies in the same sector:
The revenue of FAV FINANCES in 2024 is 260 k€.
Yes, FAV FINANCES generated a net profit of 326 k€ in 2024.
The headquarters of FAV FINANCES is located in LONS-LE-SAUNIER (39000), in the department Jura.
The tax return of FAV FINANCES 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).
FAV FINANCES operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.