SIREN : 808668941
FINAFIVE is a French company founded 11 years ago, specialized in the sector Activités des sièges sociaux. Based in CERGY (95800), this company of category PME shows in 2024 a revenue of 2.6 M€. 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 | 2024 | 2023 | 2022 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 2 592 002 € | 2 575 592 € | 1 714 889 € | 1 172 090 € | 769 330 € | 396 000 € | 158 000 € | 45 000 € |
| Net income | 1 001 963 € | 1 478 490 € | 199 202 € | 1 024 763 € | 1 253 827 € | 440 823 € | 162 448 € | 27 563 € |
| EBITDA | 140 543 € | 680 057 € | 394 650 € | 178 274 € | 46 785 € | -6 759 € | 56 527 € | 40 400 € |
| Net margin | 38.7% | 57.4% | 11.6% | 87.4% | 163.0% | 111.3% | 102.8% | 61.3% |
In 2024, FINAFIVE achieves revenue of 2.6 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +66.0%. Vs 2023: +1%. 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 141 k€, representing 5.4% of revenue. Warning negative scissor effect: despite revenue change (+1%), EBITDA varies by -79%, reducing margin by 21.0 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 1.0 M€, i.e. 38.7% of revenue. This profit can be retained or distributed to shareholders.
2 592 002 €
2 592 002 €
140 543 €
48 821 €
1 001 963 €
5.4%
The debt ratio (= Financial debt / Equity x 100) stands at 8%. 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 78%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 42.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
7.655%
78.27%
42.179%
0.329
73.7%
In 2024, the debt ratio of FINAFIVE (7.66) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of FINAFIVE (78.3%) 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.
In 2024, the repayment capacity of FINAFIVE (0.33) 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 193.43. 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 4.8x. Financial charges are adequately covered by operations.
193.429
4.763
In 2024, the liquidity ratio of FINAFIVE (193.43) 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 FINAFIVE (4.8x) 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: 19 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 47 days. Favorable situation: supplier credit is longer than customer credit by 28 days. Overall, WCR represents 115 days of revenue, i.e. 829 k€ to permanently finance. Over 2016-2024, WCR increased by +2366%, requiring additional financing.
828 844 €
19 j
47 j
0 j
115 j
Based on 103 transactions of similar company sales in 2024, the value of FINAFIVE is estimated at 2 552 510 € (range 855 033€ - 6 308 357€). With an EBITDA of 140 543€, the sector multiple of 5.0x 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 103 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 FINAFIVE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sièges sociaux
The revenue of FINAFIVE in 2024 is 2.6 M€.
Yes, FINAFIVE generated a net profit of 1.0 M€ in 2024.
The headquarters of FINAFIVE is located in CERGY (95800), in the department Val-d'Oise.
The tax return of FINAFIVE 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).
FINAFIVE operates in the sector Activités des sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.