FINANCIAL SOFTWARE TECHNOLOGIES SAS : revenue, balance sheet and financial ratios

FINANCIAL SOFTWARE TECHNOLOGIES SAS is a French company founded 22 years ago, specialized in the sector Edition de logiciels applicatifs. Based in PARIS (75008), this company of category PME shows in 2019 a revenue of 527 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

Financial history - FINANCIAL SOFTWARE TECHNOLOGIES SAS (SIREN 453385874)
Indicator 2019 2017 2016
Revenue 527 350 € 572 580 € 514 891 €
Net income 4 108 € 56 242 € -65 487 €
EBITDA 80 073 € 116 709 € 51 593 €
Net margin 0.8% 9.8% -12.7%

Revenue and income statement

In 2019, FINANCIAL SOFTWARE TECHNOLOGIES SAS achieves revenue of 527 k€. Revenue is growing positively over 3 years (CAGR: +0.8%). Slight decline of -8% vs 2017. After deducting consumption (0 €), gross margin stands at 527 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 80 k€, representing 15.2% of revenue. Warning negative scissor effect: despite revenue change (-8%), EBITDA varies by -31%, reducing margin by 5.2 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 4 k€, i.e. 0.8% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2019) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

527 350 €

Gross margin (2019) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

527 350 €

EBITDA (2019) ?
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

80 073 €

EBIT (2019) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-11 871 €

Net income (2019) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

4 108 €

EBITDA margin (2019) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

15.2%

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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 60%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 38%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.9 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 32.1% 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 (2019) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

60.486%

Financial autonomy (2019) ?
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

38.34%

Cash flow / Revenue (2019) ?
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

32.149%

Repayment capacity (2019) ?
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

1.893

Solvency indicators evolution
FINANCIAL SOFTWARE TECHNOLOGIES SAS

Sector positioning

Debt ratio
60.49 2019
2016
2017
2019
Q1: 0.0
Med: 4.65
Q3: 39.43
Average

In 2019, the debt ratio of FINANCIAL SOFTWARE TECHNO... (60.49) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
38.34% 2019
2016
2017
2019
Q1: 14.63%
Med: 41.95%
Q3: 63.84%
Average

In 2019, the financial autonomy of FINANCIAL SOFTWARE TECHNO... (38.3%) 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
1.89 years 2019
2016
2017
2019
Q1: 0.0 years
Med: 0.0 years
Q3: 0.61 years
Average

In 2019, the repayment capacity of FINANCIAL SOFTWARE TECHNO... (1.89) 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 366.20. 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 12.3x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2019) ?
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

366.204

Interest coverage (2019) ?
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

12.301

Liquidity indicators evolution
FINANCIAL SOFTWARE TECHNOLOGIES SAS

Sector positioning

Liquidity ratio
366.2 2019
2016
2017
2019
Q1: 142.57
Med: 249.11
Q3: 421.42
Good -5 pts over 3 years

In 2019, the liquidity ratio of FINANCIAL SOFTWARE TECHNO... (366.20) 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
12.3x 2019
2016
2017
2019
Q1: 0.0x
Med: 0.0x
Q3: 1.03x
Excellent

In 2019, the interest coverage of FINANCIAL SOFTWARE TECHNO... (12.3x) 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: 168 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 159 days. The company must finance 9 days of gap between collections and payments. Overall, WCR represents 166 days of revenue, i.e. 244 k€ to permanently finance. Over 2016-2019, WCR increased by +82%, requiring additional financing.

Operating WCR (2019) ?
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

243 567 €

Customer credit (2019) ?
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

168 j

Supplier credit (2019) ?
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

159 j

Inventory turnover (2019) ?
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 (2019) ?
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

166 j

WCR and payment terms evolution
FINANCIAL SOFTWARE TECHNOLOGIES SAS

Positioning of FINANCIAL SOFTWARE TECHNOLOGIES SAS in its sector

Comparison with sector Edition de logiciels applicatifs

Valuation estimate

Based on 103 transactions of similar company sales (all years), the value of FINANCIAL SOFTWARE TECHNOLOGIES SAS is estimated at 79 224 € (range 30 506€ - 215 521€). With an EBITDA of 80 073€, the sector multiple of 1.0x is applied. The price/revenue ratio is 0.25x (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.

Estimated enterprise value 2019
103 transactions
30k€ 79k€ 215k€
79 224 € Range: 30 506€ - 215 521€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
80 073 € × 1.0x
Estimation 77 718 €
25 487€ - 251 144€
Revenue Multiple 30%
527 350 € × 0.25x
Estimation 131 222 €
57 968€ - 288 796€
Net Income Multiple 20%
4 108 € × 1.2x
Estimation 4 993 €
1 863€ - 16 556€
How is this estimate calculated?

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.

  • 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 (Edition de logiciels applicatifs)

Compare FINANCIAL SOFTWARE TECHNOLOGIES SAS with other companies in the same sector:

Voir toutes les statistiques du secteur Edition de logiciels applicatifs

Frequently asked questions about FINANCIAL SOFTWARE TECHNOLOGIES SAS

What is the revenue of FINANCIAL SOFTWARE TECHNOLOGIES SAS ?

The revenue of FINANCIAL SOFTWARE TECHNOLOGIES SAS in 2019 is 527 k€.

Is FINANCIAL SOFTWARE TECHNOLOGIES SAS profitable?

Yes, FINANCIAL SOFTWARE TECHNOLOGIES SAS generated a net profit of 4 k€ in 2019.

Where is the headquarters of FINANCIAL SOFTWARE TECHNOLOGIES SAS ?

The headquarters of FINANCIAL SOFTWARE TECHNOLOGIES SAS is located in PARIS (75008), in the department Paris.

Where to find the tax return of FINANCIAL SOFTWARE TECHNOLOGIES SAS ?

The tax return of FINANCIAL SOFTWARE TECHNOLOGIES SAS 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 FINANCIAL SOFTWARE TECHNOLOGIES SAS operate?

FINANCIAL SOFTWARE TECHNOLOGIES SAS operates in the sector Edition de logiciels applicatifs (NAF code 58.29C). See the 'Sector positioning' section above to compare the company with its competitors.