FINANCIERE DE LA LYS : revenue, balance sheet and financial ratios

FINANCIERE DE LA LYS is a French company founded 34 years ago, specialized in the sector Fonds de placement et entités financières similaires. Based in NIEPPE (59850), this company of category PME shows in 2025 a revenue of 30 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

Financial history - FINANCIERE DE LA LYS (SIREN 384518403)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017
Revenue 29 696 € 28 934 € 31 420 € 28 925 € 22 469 € 30 576 € 29 799 € 28 936 € 29 082 €
Net income 56 814 € 57 850 € 18 994 € 100 747 € 54 630 € 85 919 € 70 884 € 64 226 € 23 877 €
EBITDA -21 509 € -16 173 € -10 972 € -11 511 € -9 667 € -9 738 € -15 913 € -9 164 € -13 762 €
Net margin 191.3% 199.9% 60.5% 348.3% 243.1% 281.0% 237.9% 222.0% 82.1%

Revenue and income statement

In 2025, FINANCIERE DE LA LYS achieves revenue of 30 k€. Revenue is growing positively over 9 years (CAGR: +0.3%). Vs 2024: +3%. After deducting consumption (0 €), gross margin stands at 30 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 -22 k€, representing -72.4% of revenue. Warning negative scissor effect: despite revenue change (+3%), EBITDA varies by -33%, reducing margin by 16.5 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 57 k€, i.e. 191.3% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

29 696 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

29 696 €

EBITDA (2025) ?
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

-21 509 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-23 473 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

56 814 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-72.4%

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 1%. 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 98%. 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 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 189.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

1.211%

Financial autonomy (2025) ?
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

97.578%

Cash flow / Revenue (2025) ?
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

189.877%

Repayment capacity (2025) ?
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

0.319

Asset age ratio (2025) ?
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

44.0%

Solvency indicators evolution
FINANCIERE DE LA LYS

Sector positioning

Debt ratio
1.21 2025
2023
2024
2025
Q1: 0.14
Med: 27.24
Q3: 146.28
Good -12 pts over 3 years

In 2025, the debt ratio of FINANCIERE DE LA LYS (1.21) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
97.58% 2025
2023
2024
2025
Q1: 17.38%
Med: 54.75%
Q3: 87.41%
Excellent

In 2025, the financial autonomy of FINANCIERE DE LA LYS (97.6%) 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.

Repayment capacity
0.32 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 0.77 years
Q3: 6.12 years
Good -17 pts over 3 years

In 2025, the repayment capacity of FINANCIERE DE LA LYS (0.32) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 1496.62. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
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

1496.623

Interest coverage (2025) ?
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

-1.265

Liquidity indicators evolution
FINANCIERE DE LA LYS

Sector positioning

Liquidity ratio
1496.62 2025
2023
2024
2025
Q1: 159.67
Med: 1116.63
Q3: 6512.12
Good +10 pts over 3 years

In 2025, the liquidity ratio of FINANCIERE DE LA LYS (1496.62) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
-1.26x 2025
2023
2024
2025
Q1: -191.54x
Med: -25.42x
Q3: 0.0x
Good +49 pts over 3 years

In 2025, the interest coverage of FINANCIERE DE LA LYS (-1.3x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.

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: 88 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 96 days. Favorable situation: supplier credit is longer than customer credit by 8 days. Overall, WCR represents 132 days of revenue, i.e. 11 k€ to permanently finance. Over 2017-2025, WCR increased by +176%, requiring additional financing.

Operating WCR (2025) ?
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

10 905 €

Customer credit (2025) ?
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

88 j

Supplier credit (2025) ?
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

96 j

Inventory turnover (2025) ?
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 (2025) ?
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

132 j

WCR and payment terms evolution
FINANCIERE DE LA LYS

Positioning of FINANCIERE DE LA LYS in its sector

Comparison with sector Fonds de placement et entités financières similaires

Valuation estimate

Based on 170 transactions of similar company sales (all years), the value of FINANCIERE DE LA LYS is estimated at 248 226 € (range 154 477€ - 381 184€). The price/revenue ratio is 0.71x (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.

Estimated enterprise value 2025
170 transactions
154k€ 248k€ 381k€
248 226 € Range: 154 477€ - 381 184€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
29 696 € × 0.71x
Estimation 21 057 €
14 074€ - 24 608€
Net Income Multiple 20%
56 814 € × 10.4x
Estimation 588 979 €
365 082€ - 916 049€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 170 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 (Fonds de placement et entités financières similaires)

Compare FINANCIERE DE LA LYS with other companies in the same sector:

Voir toutes les statistiques du secteur Fonds de placement et entités financières similaires

Frequently asked questions about FINANCIERE DE LA LYS

What is the revenue of FINANCIERE DE LA LYS ?

The revenue of FINANCIERE DE LA LYS in 2025 is 30 k€.

Is FINANCIERE DE LA LYS profitable?

Yes, FINANCIERE DE LA LYS generated a net profit of 57 k€ in 2025.

Where is the headquarters of FINANCIERE DE LA LYS ?

The headquarters of FINANCIERE DE LA LYS is located in NIEPPE (59850), in the department Nord.

Where to find the tax return of FINANCIERE DE LA LYS ?

The tax return of FINANCIERE DE LA LYS 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 DE LA LYS operate?

FINANCIERE DE LA LYS operates in the sector Fonds de placement et entités financières similaires (NAF code 64.30Z). See the 'Sector positioning' section above to compare the company with its competitors.