FIINZ : revenue, balance sheet and financial ratios
FIINZ is a French company
founded 6 years ago,
specialized in the sector Autres intermédiations monétaires.
Based in NIORT (79000),
this company of category PME
shows in 2022 a revenue of 1.9 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
In 2024, FIINZ generates positive net income of 23 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax.
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
23 455 €
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at -1032%. 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 -3%. Low autonomy: the company heavily depends on external financing (banks, suppliers).
Debt ratio (2024)
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Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
-1031.675%
Financial autonomy (2024)
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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
-3.301%
Asset age ratio (2024)
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Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2021
2022
2023
2024
Debt ratio
-311.565
-413.272
-861.738
-1031.675
Financial autonomy
-23.784
-14.35
-7.021
-3.301
Repayment capacity
-6.195
4.634
None
None
Cash flow / Revenue
-2.168%
3.736%
None%
None%
Sector positioning
Debt ratio
-1031.672024
2022
2023
2024
Q1: 0.0
Med: 0.0
Q3: 38.07
Excellent
In 2024, the debt ratio of FIINZ (-1031.67) 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
-3.3%2024
2022
2023
2024
Q1: 6.06%
Med: 9.53%
Q3: 57.67%
Watch
In 2024, the financial autonomy of FIINZ (-3.3%) 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.
Repayment capacity
4.63 years2022
2022
Q1: 0.0 years
Med: 0.74 years
Q3: 65.08 years
Average
In 2022, the repayment capacity of FIINZ (4.63) 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 101.43. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquidity ratio (2024)
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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
101.431
Liquidity indicators evolution FIINZ
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2021
2022
2023
2024
Liquidity ratio
130.145
133.433
170.426
101.431
Interest coverage
-0.309
0.313
None
None
Sector positioning
Liquidity ratio
101.432024
2022
2023
2024
Q1: 0.0
Med: 42.63
Q3: 395.8
Good
In 2024, the liquidity ratio of FIINZ (101.43) 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
0.31x2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 0.79x
Good
In 2022, the interest coverage of FIINZ (0.3x) 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.
Operating WCR (2024)
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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 (2024)
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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 (2024)
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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 (2024)
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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 FIINZ
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2021
2022
2023
2024
Operating WCR
114 349 €
26 187 €
0 €
0 €
Inventory turnover (days)
0
0
0
0
Customer payment term (days)
30
40
0
0
Supplier payment term (days)
21
28
0
0
Positioning of FIINZ in its sector
Comparison with sector Autres intermédiations monétaires
Valuation estimate
Based on 82 transactions of similar company sales
in 2024,
the value of FIINZ is estimated at
91 989 €
(range 24 311€ - 313 310€).
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 value2024
82 tx
24k€91k€313k€
91 989 €Range: 24 311€ - 313 310€
Section année 2024
Aggregated at NAF section level
Valuation method used
Net Income Multiple
23 455 €
×
3.9x
=91 989 €
Range: 24 312€ - 313 310€
Only this financial indicator is available for this company.
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
How is this estimate calculated?
This estimate is based on the analysis of 82 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 intermédiations monétaires)
Compare FIINZ with other companies in the same sector:
Yes, FIINZ generated a net profit of 23 k€ in 2024.
Where is the headquarters of FIINZ ?
The headquarters of FIINZ is located in NIORT (79000), in the department Deux-Sevres.
Where to find the tax return of FIINZ ?
The tax return of FIINZ 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 FIINZ operate?
FIINZ operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.
Item evolution
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