SIREN : 532057858
FINANCIERE BCL is a French company founded 15 years ago, specialized in the sector Activités des sociétés holding. Based in LYON (69008), this company of category PME shows in 2024 a revenue of 507 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 | 2024 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 507 062 € | 481 103 € | 811 092 € | 779 106 € | 866 152 € | 436 338 € | 430 134 € | 225 000 € |
| Net income | 431 987 € | 652 505 € | 14 632 371 € | 505 115 € | 651 590 € | 554 514 € | 370 965 € | 314 340 € |
| EBITDA | 241 220 € | 132 425 € | 84 200 € | 127 790 € | 176 629 € | 26 848 € | 18 448 € | -23 487 € |
| Net margin | 85.2% | 135.6% | 1804.0% | 64.8% | 75.2% | 127.1% | 86.2% | 139.7% |
In 2024, FINANCIERE BCL achieves revenue of 507 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +10.7%. Vs 2022: +5%. After deducting consumption (0 €), gross margin stands at 507 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 241 k€, representing 47.6% of revenue. Positive scissor effect: EBITDA margin improves by +20.0 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 432 k€, i.e. 85.2% of revenue. This profit can be retained or distributed to shareholders.
507 062 €
507 062 €
241 220 €
246 301 €
431 987 €
47.6%
The debt ratio (= Financial debt / Equity x 100) stands at 7%. 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 86%. 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 3.2 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 91.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
6.856%
85.896%
91.567%
3.229
0.0%
In 2024, the debt ratio of FINANCIERE BCL (6.86) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of FINANCIERE BCL (85.9%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
In 2024, the repayment capacity of FINANCIERE BCL (3.23) 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 346.36. 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 41.4x. Operating income very largely covers interest expenses: high safety margin.
346.357
41.43
In 2024, the liquidity ratio of FINANCIERE BCL (346.36) 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 2024, the interest coverage of FINANCIERE BCL (41.4x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 30 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 100 days. Excellent situation: suppliers finance 70 days of the operating cycle (retail model). Overall, WCR represents 3484 days of revenue, i.e. 4.9 M€ to permanently finance. Over 2016-2024, WCR increased by +471%, requiring additional financing.
4 906 662 €
30 j
100 j
0 j
3484 j
Based on 54 transactions of similar company sales
in 2024,
the value of FINANCIERE BCL is estimated at
798 951 €
(range 234 897€ - 1 756 842€).
With an EBITDA of 241 220€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.59x
(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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 54 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 BCL with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of FINANCIERE BCL in 2024 is 507 k€.
Yes, FINANCIERE BCL generated a net profit of 432 k€ in 2024.
The headquarters of FINANCIERE BCL is located in LYON (69008), in the department Rhone.
The tax return of FINANCIERE BCL 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 BCL 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.