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FINANC PARTICIPATIONS GESTION ASSURANCES : revenue, balance sheet and financial ratios

FINANC PARTICIPATIONS GESTION ASSURANCES is a French company founded 47 years ago, specialized in the sector Activités des sociétés holding. Based in PARIS (75016), this company of category PME shows in 2017 a revenue of 780 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - FINANC PARTICIPATIONS GESTION ASSURANCES (SIREN 316099381)
Indicator 2017 2016
Revenue 779 614 € N/C
Net income -451 384 € 389 022 €
EBITDA -136 474 € -276 751 €
Net margin -57.9% N/C

Revenue and income statement

In 2017, FINANC PARTICIPATIONS GESTION ASSURANCES achieves revenue of 780 k€. After deducting consumption (560 k€), gross margin stands at 219 k€, i.e. a rate of 28%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -136 k€, representing -17.5% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -451 k€ (-57.9% of revenue), which will impact equity.

Revenue (2017) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

779 614 €

Gross margin (2017) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

219 170 €

EBITDA (2017) ?
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

-136 474 €

EBIT (2017) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

18 839 €

Net income (2017) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-451 384 €

EBITDA margin (2017) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-17.5%

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

Financial autonomy (= Equity / Total assets x 100) reaches 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 10.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Financial autonomy (2017) ?
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

0.0%

Cash flow / Revenue (2017) ?
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

10.135%

Repayment capacity (2017) ?
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

1.197

Asset age ratio (2017) ?
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

72.5%

Solvency indicators evolution
FINANC PARTICIPATIONS GESTION ASSURANCES

Sector positioning

Debt ratio
3.11 2016
2016
Q1: 0.03
Med: 15.38
Q3: 94.88
Good

In 2016, the debt ratio of FINANC PARTICIPATIONS GES... (3.11) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
0.0% 2017
2016
2017
Q1: 19.87%
Med: 57.98%
Q3: 88.0%
Average -42 pts over 2 years

In 2017, the financial autonomy of FINANC PARTICIPATIONS GES... (0.0%) 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
1.2 years 2017
2016
2017
Q1: -0.0 years
Med: 0.15 years
Q3: 4.24 years
Average

In 2017, the repayment capacity of FINANC PARTICIPATIONS GES... (1.20) 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 442.31. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2017) ?
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

442.308

Interest coverage (2017) ?
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

-10.691

Liquidity indicators evolution
FINANC PARTICIPATIONS GESTION ASSURANCES

Sector positioning

Liquidity ratio
442.31 2017
2016
2017
Q1: 100.9
Med: 392.06
Q3: 1992.6
Good +27 pts over 2 years

In 2017, the liquidity ratio of FINANC PARTICIPATIONS GES... (442.31) 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
-10.69x 2017
2016
2017
Q1: -60.98x
Med: 0.0x
Q3: 0.34x
Average

In 2017, the interest coverage of FINANC PARTICIPATIONS GES... (-10.7x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 35 days. Excellent situation: suppliers finance 35 days of the operating cycle (retail model). Overall, WCR represents 794 days of revenue, i.e. 1.7 M€ to permanently finance.

Operating WCR (2017) ?
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

1 718 901 €

Customer credit (2017) ?
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 (2017) ?
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

35 j

Inventory turnover (2017) ?
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 (2017) ?
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

794 j

WCR and payment terms evolution
FINANC PARTICIPATIONS GESTION ASSURANCES

Positioning of FINANC PARTICIPATIONS GESTION ASSURANCES in its sector

Comparison with sector Activités des sociétés holding

Valuation estimate

Based on 85 transactions of similar company sales in 2017, the value of FINANC PARTICIPATIONS GESTION ASSURANCES is estimated at 498 894 € (range 221 238€ - 718 816€). The price/revenue ratio is 0.64x (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 2017
85 tx
221k€ 498k€ 718k€
498 894 € Range: 221 238€ - 718 816€
NAF 5 année 2017

Valuation method used

Revenue Multiple
779 614 € × 0.64x = 498 895 €
Range: 221 239€ - 718 817€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 85 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 (Activités des sociétés holding)

Compare FINANC PARTICIPATIONS GESTION ASSURANCES with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sociétés holding

Frequently asked questions about FINANC PARTICIPATIONS GESTION ASSURANCES

What is the revenue of FINANC PARTICIPATIONS GESTION ASSURANCES ?

The revenue of FINANC PARTICIPATIONS GESTION ASSURANCES in 2017 is 780 k€.

Is FINANC PARTICIPATIONS GESTION ASSURANCES profitable?

FINANC PARTICIPATIONS GESTION ASSURANCES recorded a net loss in 2017.

Where is the headquarters of FINANC PARTICIPATIONS GESTION ASSURANCES ?

The headquarters of FINANC PARTICIPATIONS GESTION ASSURANCES is located in PARIS (75016), in the department Paris.

Where to find the tax return of FINANC PARTICIPATIONS GESTION ASSURANCES ?

The tax return of FINANC PARTICIPATIONS GESTION ASSURANCES 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 FINANC PARTICIPATIONS GESTION ASSURANCES operate?

FINANC PARTICIPATIONS GESTION ASSURANCES operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.