SIREN : 949484208
FINANCIERE AF is a French company founded 3 years ago, specialized in the sector Services administratifs combinés de bureau. Based in COURCHEVEL (73120), this company of category PME shows in 2025 a revenue of 264 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
| Indicator | 2025 | 2024 |
|---|---|---|
| Revenue | 264 000 € | 300 000 € |
| Net income | 118 071 € | 124 400 € |
| EBITDA | 39 367 € | 53 295 € |
| Net margin | 44.7% | 41.5% |
In 2025, FINANCIERE AF achieves revenue of 264 k€. Significant drop of -12% vs 2024. After deducting consumption (0 €), gross margin stands at 264 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 39 k€, representing 14.9% of revenue. Warning negative scissor effect: despite revenue change (-12%), EBITDA varies by -26%, reducing margin by 2.9 pts. This reflects costs rising faster than revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 118 k€, i.e. 44.7% of revenue. This profit can be retained or distributed to shareholders.
264 000 €
264 000 €
39 367 €
39 367 €
118 071 €
14.9%
The debt ratio (= Financial debt / Equity x 100) stands at 6%. 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 89%. 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 0.4 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 44.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
5.82%
88.744%
44.724%
0.393
In 2025, the debt ratio of FINANCIERE AF (5.82) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2025, the financial autonomy of FINANCIERE AF (88.7%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2025, the repayment capacity of FINANCIERE AF (0.39) 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 518.21. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
518.211
0.0
In 2025, the liquidity ratio of FINANCIERE AF (518.21) 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.
In 2025, the interest coverage of FINANCIERE AF (0.0x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 196 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 0 days. The gap of 196 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 192 days of revenue, i.e. 141 k€ to permanently finance.
140 530 €
196 j
0 j
0 j
192 j
Based on 173 transactions of similar company sales (all years), the value of FINANCIERE AF is estimated at 181 311 € (range 60 467€ - 424 803€). With an EBITDA of 39 367€, 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 FINANCIERE AF with other companies in the same sector:
Voir toutes les statistiques du secteur Services administratifs combinés de bureau
The revenue of FINANCIERE AF in 2025 is 264 k€.
Yes, FINANCIERE AF generated a net profit of 118 k€ in 2025.
The headquarters of FINANCIERE AF is located in COURCHEVEL (73120), in the department Savoie.
The tax return of FINANCIERE AF 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).
FINANCIERE AF 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.