SIREN : 514129014
FINANCIERE DE NORMANDIE is a French company founded 16 years ago, specialized in the sector Activités des sociétés holding. Based in ROUEN (76000), this company of category PME shows in 2024 a revenue of 20 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 | 2023 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|
| Revenue | 20 000 € | 20 000 € | 32 050 € | 29 000 € | 14 000 € | 25 800 € | 8 000 € |
| Net income | 170 181 € | -43 490 € | 2 628 € | 23 578 € | -835 € | 14 489 € | -10 203 € |
| EBITDA | 12 013 € | 14 132 € | 6 688 € | 22 694 € | -745 € | 13 978 € | -9 903 € |
| Net margin | 850.9% | -217.5% | 8.2% | 81.3% | -6.0% | 56.2% | -127.5% |
In 2024, FINANCIERE DE NORMANDIE achieves revenue of 20 k€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +14.0%. Slight decline of 0% vs 2023. After deducting consumption (0 €), gross margin stands at 20 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 12 k€, representing 60.1% of revenue. Warning negative scissor effect: despite revenue change (+0%), EBITDA varies by -15%, reducing margin by 10.6 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 170 k€, i.e. 850.9% of revenue. This profit can be retained or distributed to shareholders.
20 000 €
20 000 €
12 013 €
11 704 €
170 181 €
60.1%
The debt ratio (= Financial debt / Equity x 100) stands at 39%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 70%. 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 13.4 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 33.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
38.846%
70.063%
33.845%
13.365
In 2024, the debt ratio of FINANCIERE DE NORMANDIE (38.85) 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 2024, the financial autonomy of FINANCIERE DE NORMANDIE (70.1%) 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 DE NORMANDIE (13.37) 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 260.44. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
260.442
0.0
In 2024, the liquidity ratio of FINANCIERE DE NORMANDIE (260.44) 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 DE NORMANDIE (0.0x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 180 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 262 days. Excellent situation: suppliers finance 82 days of the operating cycle (retail model). Overall, WCR represents 337 days of revenue, i.e. 19 k€ to permanently finance. Notable WCR improvement over the period (-63%), freeing up cash.
18 740 €
180 j
262 j
0 j
337 j
Based on 54 transactions of similar company sales
in 2024,
the value of FINANCIERE DE NORMANDIE is estimated at
82 270 €
(range 38 807€ - 308 453€).
With an EBITDA of 12 013€, 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.
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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 DE NORMANDIE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of FINANCIERE DE NORMANDIE in 2024 is 20 k€.
Yes, FINANCIERE DE NORMANDIE generated a net profit of 170 k€ in 2024.
The headquarters of FINANCIERE DE NORMANDIE is located in ROUEN (76000), in the department Seine-Maritime.
The tax return of FINANCIERE DE NORMANDIE 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 DE NORMANDIE 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.