SIREN : 832989255
FINANCIERE C.V.L. is a French company founded 8 years ago, specialized in the sector Activités des sièges sociaux. Based in ANNECY (74000), this company of category ETI shows in 2025 a revenue of 1.5 M€. 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 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1 500 910 € | 1 442 097 € | 400 000 € | 180 000 € | 180 000 € | 180 000 € | 180 000 € | 125 000 € |
| Net income | 3 314 077 € | 4 247 984 € | 916 562 € | 1 145 855 € | 297 333 € | 171 736 € | 200 348 € | 119 671 € |
| EBITDA | 1 158 729 € | 1 051 198 € | 143 776 € | -90 485 € | -119 745 € | -17 883 € | -27 787 € | -67 004 € |
| Net margin | 220.8% | 294.6% | 229.1% | 636.6% | 165.2% | 95.4% | 111.3% | 95.7% |
In 2025, FINANCIERE C.V.L. achieves revenue of 1.5 M€. Over the period 2018-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +42.6%. Vs 2024: +4%. After deducting consumption (0 €), gross margin stands at 1.5 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 1.2 M€, representing 77.2% of revenue. Positive scissor effect: EBITDA margin improves by +4.3 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 3.3 M€, i.e. 220.8% of revenue. This profit can be retained or distributed to shareholders.
1 500 910 €
1 500 910 €
1 158 729 €
1 151 199 €
3 314 077 €
77.2%
The debt ratio (= Financial debt / Equity x 100) stands at 76%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 54%. 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 176.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
76.483%
54.362%
176.134%
3.157
38.5%
In 2025, the debt ratio of FINANCIERE C.V.L. (76.48) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2025, the financial autonomy of FINANCIERE C.V.L. (54.4%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2025, the repayment capacity of FINANCIERE C.V.L. (3.16) 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 536.57. 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 36.9x. Operating income very largely covers interest expenses: high safety margin.
536.574
36.903
In 2025, the liquidity ratio of FINANCIERE C.V.L. (536.57) 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 C.V.L. (36.9x) 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: 266 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 89 days. The gap of 177 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 278 days of revenue, i.e. 1.2 M€ to permanently finance. Over 2018-2025, WCR increased by +182%, requiring additional financing.
1 159 693 €
266 j
89 j
0 j
278 j
Based on 54 transactions of similar company sales
in 2025,
the value of FINANCIERE C.V.L. is estimated at
2 736 400 €
(range 1 013 261€ - 5 561 594€).
With an EBITDA of 1 158 729€, the sector multiple of 1.1x is applied.
The price/revenue ratio is 0.63x
(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 C.V.L. with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sièges sociaux
The revenue of FINANCIERE C.V.L. in 2025 is 1.5 M€.
Yes, FINANCIERE C.V.L. generated a net profit of 3.3 M€ in 2025.
The headquarters of FINANCIERE C.V.L. is located in ANNECY (74000), in the department Haute-Savoie.
The tax return of FINANCIERE C.V.L. 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 C.V.L. operates in the sector Activités des sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.