SIREN : 484913215
FINANCIERE DB is a French company founded 20 years ago, specialized in the sector Activités des sociétés holding. Based in SAINT-NAZAIRE (44600), this company of category PME shows in 2023 a revenue of 198 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2023 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2014 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 198 000 € | 198 000 € | 144 000 € | 162 000 € | 192 000 € | 228 000 € | 156 000 € | 105 000 € |
| Net income | 69 702 € | 55 684 € | 23 814 € | 13 032 € | 43 543 € | 69 035 € | 13 105 € | 11 376 € |
| EBITDA | -3 340 € | 12 552 € | -18 085 € | -28 421 € | 3 775 € | 36 474 € | 15 559 € | 6 242 € |
| Net margin | 35.2% | 28.1% | 16.5% | 8.0% | 22.7% | 30.3% | 8.4% | 10.8% |
In 2023, FINANCIERE DB achieves revenue of 198 k€. Over the period 2014-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +7.3%. Slight decline of 0% vs 2021. After deducting consumption (0 €), gross margin stands at 198 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 -3 k€, representing -1.7% of revenue. Warning negative scissor effect: despite revenue change (+0%), EBITDA varies by -127%, reducing margin by 8.0 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 70 k€, i.e. 35.2% of revenue. This profit can be retained or distributed to shareholders.
198 000 €
198 000 €
-3 340 €
2 659 €
69 702 €
-1.7%
The debt ratio (= Financial debt / Equity x 100) stands at 16%. 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 77%. 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 1.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 32.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
15.994%
77.42%
32.173%
1.12
In 2023, the debt ratio of FINANCIERE DB (15.99) 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 2023, the financial autonomy of FINANCIERE DB (77.4%) 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 2023, the repayment capacity of FINANCIERE DB (1.12) 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 459.17. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
459.169
-28.114
In 2023, the liquidity ratio of FINANCIERE DB (459.17) 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 2023, the interest coverage of FINANCIERE DB (-28.1x) 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: 120 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 286 days. Excellent situation: suppliers finance 166 days of the operating cycle (retail model). Overall, WCR represents 138 days of revenue, i.e. 76 k€ to permanently finance. Over 2014-2023, WCR increased by +132%, requiring additional financing.
75 771 €
120 j
286 j
0 j
138 j
Based on 63 transactions of similar company sales
in 2023,
the value of FINANCIERE DB is estimated at
288 635 €
(range 68 302€ - 470 763€).
The price/revenue ratio is 0.24x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 63 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 DB with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of FINANCIERE DB in 2023 is 198 k€.
Yes, FINANCIERE DB generated a net profit of 70 k€ in 2023.
The headquarters of FINANCIERE DB is located in SAINT-NAZAIRE (44600), in the department Loire-Atlantique.
The tax return of FINANCIERE DB 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 DB 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.