FINANCIERE ARTUR KRAMER : revenue, balance sheet and financial ratios

FINANCIERE ARTUR KRAMER is a French company founded 20 years ago, specialized in the sector Conseil pour les affaires et autres conseils de gestion. Based in SAINTE-CONSORCE (69280), this company of category PME shows in 2024 a revenue of 264 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

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

Financial history - FINANCIERE ARTUR KRAMER (SIREN 484848510)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 264 500 € 342 000 € 334 992 € 413 992 € 424 991 € 433 806 € 483 488 € 428 988 € 447 571 €
Net income -72 105 € 161 022 € 563 149 € -100 155 € -637 822 € -3 948 374 € 106 163 € 16 135 € 3 122 €
EBITDA -133 253 € -289 809 € -109 369 € -48 844 € -4 180 € -49 013 € -59 498 € -147 183 € -53 534 €
Net margin -27.3% 47.1% 168.1% -24.2% -150.1% -910.2% 22.0% 3.8% 0.7%

Revenue and income statement

In 2024, FINANCIERE ARTUR KRAMER achieves revenue of 264 k€. Revenue is declining over the period 2016-2024 (CAGR: -6.4%). Significant drop of -23% vs 2023. 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 -133 k€, representing -50.4% of revenue. Positive scissor effect: EBITDA margin improves by +34.4 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -72 k€ (-27.3% of revenue), which will impact equity.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

264 500 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

264 500 €

EBITDA (2024) ?
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

-133 253 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-143 390 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-72 105 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-50.4%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at -2319%. 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 -4%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

-2318.511%

Financial autonomy (2024) ?
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

-3.61%

Cash flow / Revenue (2024) ?
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

-35.863%

Repayment capacity (2024) ?
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

-17.618

Asset age ratio (2024) ?
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

81.6%

Solvency indicators evolution
FINANCIERE ARTUR KRAMER

Sector positioning

Debt ratio
-2318.51 2024
2022
2023
2024
Q1: 0.0
Med: 3.99
Q3: 41.75
Excellent

In 2024, the debt ratio of FINANCIERE ARTUR KRAMER (-2318.51) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
-3.61% 2024
2022
2023
2024
Q1: 4.19%
Med: 38.81%
Q3: 76.4%
Average

In 2024, the financial autonomy of FINANCIERE ARTUR KRAMER (-3.6%) 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
-17.62 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 1.1 years
Excellent -50 pts over 3 years

In 2024, the repayment capacity of FINANCIERE ARTUR KRAMER (-17.62) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 222.43. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
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

222.429

Interest coverage (2024) ?
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

-38.776

Liquidity indicators evolution
FINANCIERE ARTUR KRAMER

Sector positioning

Liquidity ratio
222.43 2024
2022
2023
2024
Q1: 138.7
Med: 312.74
Q3: 965.51
Average +12 pts over 3 years

In 2024, the liquidity ratio of FINANCIERE ARTUR KRAMER (222.43) 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.

Interest coverage
-38.78x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 0.26x
Average

In 2024, the interest coverage of FINANCIERE ARTUR KRAMER (-38.8x) 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: 388 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 104 days. The gap of 284 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 7 days of revenue, i.e. 5 k€ to permanently finance. Notable WCR improvement over the period (-94%), freeing up cash.

Operating WCR (2024) ?
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

5 089 €

Customer credit (2024) ?
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

388 j

Supplier credit (2024) ?
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

104 j

Inventory turnover (2024) ?
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 (2024) ?
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

7 j

WCR and payment terms evolution
FINANCIERE ARTUR KRAMER

Positioning of FINANCIERE ARTUR KRAMER in its sector

Comparison with sector Conseil pour les affaires et autres conseils de gestion

Valuation estimate

Based on 69 transactions of similar company sales in 2024, the value of FINANCIERE ARTUR KRAMER is estimated at 174 279 € (range 101 425€ - 192 710€). The price/revenue ratio is 0.66x (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 2024
69 tx
101k€ 174k€ 192k€
174 279 € Range: 101 425€ - 192 710€
NAF 5 année 2024

Valuation method used

Revenue Multiple
264 500 € × 0.66x = 174 279 €
Range: 101 425€ - 192 711€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 69 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 (Conseil pour les affaires et autres conseils de gestion)

Compare FINANCIERE ARTUR KRAMER with other companies in the same sector:

Voir toutes les statistiques du secteur Conseil pour les affaires et autres conseils de gestion

Frequently asked questions about FINANCIERE ARTUR KRAMER

What is the revenue of FINANCIERE ARTUR KRAMER ?

The revenue of FINANCIERE ARTUR KRAMER in 2024 is 264 k€.

Is FINANCIERE ARTUR KRAMER profitable?

FINANCIERE ARTUR KRAMER recorded a net loss in 2024.

Where is the headquarters of FINANCIERE ARTUR KRAMER ?

The headquarters of FINANCIERE ARTUR KRAMER is located in SAINTE-CONSORCE (69280), in the department Rhone.

Where to find the tax return of FINANCIERE ARTUR KRAMER ?

The tax return of FINANCIERE ARTUR KRAMER 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 FINANCIERE ARTUR KRAMER operate?

FINANCIERE ARTUR KRAMER operates in the sector Conseil pour les affaires et autres conseils de gestion (NAF code 70.22Z). See the 'Sector positioning' section above to compare the company with its competitors.