SIREN : 505284398
FIN AND CO is a French company founded 17 years ago, specialized in the sector Services administratifs combinés de bureau. Based in PARIS (75008), this company of category PME shows in 2020 a revenue of 86 k€. 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 | 2020 | 2019 | 2018 | 2016 |
|---|---|---|---|---|
| Revenue | 86 321 € | 97 737 € | 126 441 € | 94 339 € |
| Net income | -44 875 € | 17 232 € | 38 555 € | 65 € |
| EBITDA | 26 644 € | 76 008 € | 90 524 € | 64 755 € |
| Net margin | -52.0% | 17.6% | 30.5% | 0.1% |
In 2020, FIN AND CO achieves revenue of 86 k€. Activity remains stable over the period (CAGR: -2.2%). Significant drop of -12% vs 2019. After deducting consumption (0 €), gross margin stands at 86 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 27 k€, representing 30.9% of revenue. Warning negative scissor effect: despite revenue change (-12%), EBITDA varies by -65%, reducing margin by 46.9 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Net income is negative at -45 k€ (-52.0% of revenue), which will impact equity.
86 321 €
86 321 €
26 644 €
-26 578 €
-44 875 €
30.9%
The debt ratio (= Financial debt / Equity x 100) stands at 262%. 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 24%. The balance between equity and debt is satisfactory.
262.443%
23.948%
-50.383%
-6.672
64.4%
In 2020, the debt ratio of FIN AND CO (262.44) 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 2020, the financial autonomy of FIN AND CO (23.9%) 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 2020, the repayment capacity of FIN AND CO (-6.67) 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 32.51. 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 89.0x. Operating income very largely covers interest expenses: high safety margin.
32.51
89.029
In 2020, the liquidity ratio of FIN AND CO (32.51) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.
In 2020, the interest coverage of FIN AND CO (89.0x) 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: 48 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 180 days. Excellent situation: suppliers finance 132 days of the operating cycle (retail model). WCR is negative (-36 days): operations structurally generate cash. Notable WCR improvement over the period (-102%), freeing up cash.
-8 574 €
48 j
180 j
0 j
-36 j
Based on 173 transactions of similar company sales (all years), the value of FIN AND CO is estimated at 69 671 € (range 20 888€ - 138 893€). With an EBITDA of 26 644€, the sector multiple of 3.4x is applied. The price/revenue ratio is 0.38x (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.
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This estimate is based on the analysis of 173 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 FIN AND CO with other companies in the same sector:
Voir toutes les statistiques du secteur Services administratifs combinés de bureau
The revenue of FIN AND CO in 2020 is 86 k€.
FIN AND CO recorded a net loss in 2020.
The headquarters of FIN AND CO is located in PARIS (75008), in the department Paris.
The tax return of FIN AND CO 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).
FIN AND CO operates in the sector Services administratifs combinés de bureau (NAF code 82.11Z). See the 'Sector positioning' section above to compare the company with its competitors.