SIREN : 403215528
FINANCIERE AYALA is a French company founded 30 years ago, specialized in the sector Gestion de fonds. Based in PAU (64000), this company of category PME shows in 2025 a revenue of 153 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 152 912 € | 88 384 € | 83 262 € | 75 067 € | 153 000 € | 44 800 € | 82 508 € | 64 650 € | 170 456 € |
| Net income | 13 137 € | -64 243 € | -49 775 € | -25 563 € | 6 828 € | 56 601 € | -140 419 € | -139 965 € | 213 620 € |
| EBITDA | -27 828 € | -88 887 € | -70 317 € | -50 942 € | -57 668 € | -95 402 € | -40 200 € | -249 423 € | -15 518 € |
| Net margin | 8.6% | -72.7% | -59.8% | -34.1% | 4.5% | 126.3% | -170.2% | -216.5% | 125.3% |
In 2025, FINANCIERE AYALA achieves revenue of 153 k€. Activity remains stable over the period (CAGR: -1.3%). Vs 2024, growth of +73% (88 k€ -> 153 k€). After deducting consumption (34 k€), gross margin stands at 119 k€, i.e. a rate of 78%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -28 k€, representing -18.2% of revenue. Positive scissor effect: EBITDA margin improves by +82.4 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 13 k€, i.e. 8.6% of revenue. This profit can be retained or distributed to shareholders.
152 912 €
118 912 €
-27 828 €
-42 385 €
13 137 €
-18.2%
The debt ratio (= Financial debt / Equity x 100) stands at 4%. 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 91%. 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 7.5 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 3.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
4.131%
90.724%
3.828%
7.54
3.6%
In 2025, the debt ratio of FINANCIERE AYALA (4.13) 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 AYALA (90.7%) 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 AYALA (7.54) 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 560.59. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
560.587
-0.467
In 2025, the liquidity ratio of FINANCIERE AYALA (560.59) 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 2025, the interest coverage of FINANCIERE AYALA (-0.5x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 98 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 97 days. The company must finance 1 days of gap between collections and payments. Inventory turnover is 372 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 819 days of revenue, i.e. 348 k€ to permanently finance.
347 921 €
98 j
97 j
372 j
819 j
Indicative estimate only : the number of comparable transactions in this sector is limited (40 transactions). This range of 19 029€ to 205 339€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 40 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 AYALA with other companies in the same sector:
The revenue of FINANCIERE AYALA in 2025 is 153 k€.
Yes, FINANCIERE AYALA generated a net profit of 13 k€ in 2025.
The headquarters of FINANCIERE AYALA is located in PAU (64000), in the department Pyrenees-Atlantiques.
The tax return of FINANCIERE AYALA 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 AYALA operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.