FIDUCIAIRE ET INFORMATIQUE GENERALE : revenue, balance sheet and financial ratios

FIDUCIAIRE ET INFORMATIQUE GENERALE is a French company founded 48 years ago, specialized in the sector Conseil pour les affaires et autres conseils de gestion. Based in MARSEILLE (13015), this company of category ETI shows in 2023 a revenue of 2.6 M€. 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 - FIDUCIAIRE ET INFORMATIQUE GENERALE (SIREN 312382591)
Indicator 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 2 646 709 € 1 690 320 € 2 156 133 € 1 289 780 € 1 291 597 € 1 969 566 € 1 871 883 € 1 678 924 €
Net income 84 457 € -194 429 € 60 535 € -60 334 € 78 119 € 537 469 € 472 390 € 358 059 €
EBITDA 678 045 € 33 226 € 281 301 € 87 940 € 220 213 € 784 448 € 696 792 € 535 797 €
Net margin 3.2% -11.5% 2.8% -4.7% 6.0% 27.3% 25.2% 21.3%

Revenue and income statement

In 2023, FIDUCIAIRE ET INFORMATIQUE GENERALE achieves revenue of 2.6 M€. Over the period 2016-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +6.7%. Vs 2022, growth of +57% (1.7 M€ -> 2.6 M€). After deducting consumption (0 €), gross margin stands at 2.6 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 678 k€, representing 25.6% of revenue. Positive scissor effect: EBITDA margin improves by +23.7 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 84 k€, i.e. 3.2% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

2 646 709 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

2 646 709 €

EBITDA (2023) ?
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

678 045 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

384 527 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

84 457 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

25.6%

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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 -5287%. 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 -1%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 14.0 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 14.3% 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 (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

-5287.346%

Financial autonomy (2023) ?
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

-1.478%

Cash flow / Revenue (2023) ?
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

14.297%

Repayment capacity (2023) ?
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

14.02

Asset age ratio (2023) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

18.1%

Solvency indicators evolution
FIDUCIAIRE ET INFORMATIQUE GENERALE

Sector positioning

Debt ratio
-5287.35 2023
2021
2022
2023
Q1: 0.0
Med: 4.57
Q3: 46.63
Excellent -50 pts over 3 years

In 2023, the debt ratio of FIDUCIAIRE ET INFORMATIQU... (-5287.35) 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
-1.48% 2023
2021
2022
2023
Q1: 4.34%
Med: 38.51%
Q3: 74.89%
Average

In 2023, the financial autonomy of FIDUCIAIRE ET INFORMATIQU... (-1.5%) 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
14.02 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.0 years
Q3: 1.06 years
Average

In 2023, the repayment capacity of FIDUCIAIRE ET INFORMATIQU... (14.02) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 369.79. 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 37.9x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2023) ?
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

369.786

Interest coverage (2023) ?
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

37.937

Liquidity indicators evolution
FIDUCIAIRE ET INFORMATIQUE GENERALE

Sector positioning

Liquidity ratio
369.79 2023
2021
2022
2023
Q1: 139.84
Med: 306.31
Q3: 899.92
Good

In 2023, the liquidity ratio of FIDUCIAIRE ET INFORMATIQU... (369.79) 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.

Interest coverage
37.94x 2023
2021
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 0.24x
Excellent

In 2023, the interest coverage of FIDUCIAIRE ET INFORMATIQU... (37.9x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 647 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 126 days. The gap of 521 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 647 days of revenue, i.e. 4.8 M€ to permanently finance. Over 2016-2023, WCR increased by +934%, requiring additional financing.

Operating WCR (2023) ?
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

4 759 180 €

Customer credit (2023) ?
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

647 j

Supplier credit (2023) ?
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

126 j

Inventory turnover (2023) ?
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 (2023) ?
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

647 j

WCR and payment terms evolution
FIDUCIAIRE ET INFORMATIQUE GENERALE

Positioning of FIDUCIAIRE ET INFORMATIQUE GENERALE in its sector

Comparison with sector Conseil pour les affaires et autres conseils de gestion

Valuation estimate

Based on 66 transactions of similar company sales in 2023, the value of FIDUCIAIRE ET INFORMATIQUE GENERALE is estimated at 1 961 488 € (range 523 368€ - 3 057 007€). With an EBITDA of 678 045€, the sector multiple of 4.0x is applied. The price/revenue ratio is 0.63x (in line with sector norms). 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.

Estimated enterprise value 2023
66 tx
523k€ 1961k€ 3057k€
1 961 488 € Range: 523 368€ - 3 057 007€
NAF 5 année 2023

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
678 045 € × 4.0x
Estimation 2 684 248 €
497 593€ - 3 934 581€
Revenue Multiple 30%
2 646 709 € × 0.63x
Estimation 1 673 643 €
722 049€ - 2 622 989€
Net Income Multiple 20%
84 457 € × 6.9x
Estimation 586 358 €
289 787€ - 1 514 098€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 66 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 (Conseil pour les affaires et autres conseils de gestion)

Compare FIDUCIAIRE ET INFORMATIQUE GENERALE with other companies in the same sector:

Voir toutes les statistiques du secteur Conseil pour les affaires et autres conseils de gestion

Frequently asked questions about FIDUCIAIRE ET INFORMATIQUE GENERALE

What is the revenue of FIDUCIAIRE ET INFORMATIQUE GENERALE ?

The revenue of FIDUCIAIRE ET INFORMATIQUE GENERALE in 2023 is 2.6 M€.

Is FIDUCIAIRE ET INFORMATIQUE GENERALE profitable?

Yes, FIDUCIAIRE ET INFORMATIQUE GENERALE generated a net profit of 84 k€ in 2023.

Where is the headquarters of FIDUCIAIRE ET INFORMATIQUE GENERALE ?

The headquarters of FIDUCIAIRE ET INFORMATIQUE GENERALE is located in MARSEILLE (13015), in the department Bouches-du-Rhone.

Where to find the tax return of FIDUCIAIRE ET INFORMATIQUE GENERALE ?

The tax return of FIDUCIAIRE ET INFORMATIQUE GENERALE 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 FIDUCIAIRE ET INFORMATIQUE GENERALE operate?

FIDUCIAIRE ET INFORMATIQUE GENERALE operates in the sector Conseil pour les affaires et autres conseils de gestion (NAF code 70.22Z). See the 'Sector positioning' section above to compare the company with its competitors.