FINANCIERE DE RECOUVREMENT FINREC : revenue, balance sheet and financial ratios

FINANCIERE DE RECOUVREMENT FINREC is a French company founded 30 years ago, specialized in the sector Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle. Based in ARCUEIL (94110), this company of category PME shows in 2022 a revenue of 5.5 M€. 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 RECOUVREMENT FINREC (SIREN 404213944)
Indicator 2024 2023 2022 2021 2016 2015
Revenue N/C N/C 5 534 955 € N/C 5 669 858 € 5 810 011 €
Net income 56 449 € 309 533 € 221 254 € 221 645 € 198 662 € 120 275 €
EBITDA N/C N/C 298 142 € N/C 73 934 € 313 559 €
Net margin N/C N/C 4.0% N/C 3.5% 2.1%

Revenue and income statement

In 2024, FINANCIERE DE RECOUVREMENT FINREC generates positive net income of 56 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2015-2024: 120 k€ -> 56 k€.

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

56 449 €

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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 22%. 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 31%. The balance between equity and debt is satisfactory.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

21.7%

Financial autonomy (2024) ?
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

31.465%

Asset age ratio (2024) ?
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

61.7%

Solvency indicators evolution
FINANCIERE DE RECOUVREMENT FINREC

Sector positioning

Debt ratio
21.7 2024
2022
2023
2024
Q1: 0.0
Med: 3.83
Q3: 45.91
Average -9 pts over 3 years

In 2024, the debt ratio of FINANCIERE DE RECOUVREMEN... (21.70) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
31.46% 2024
2022
2023
2024
Q1: 2.37%
Med: 31.72%
Q3: 53.17%
Average

In 2024, the financial autonomy of FINANCIERE DE RECOUVREMEN... (31.5%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
1.72 years 2022
2022
Q1: 0.0 years
Med: 0.0 years
Q3: 1.27 years
Watch

In 2022, the repayment capacity of FINANCIERE DE RECOUVREMEN... (1.72) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 64.75. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
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

64.746

Liquidity indicators evolution
FINANCIERE DE RECOUVREMENT FINREC

Sector positioning

Liquidity ratio
64.75 2024
2022
2023
2024
Q1: 130.85
Med: 203.74
Q3: 398.26
Watch

In 2024, the liquidity ratio of FINANCIERE DE RECOUVREMEN... (64.75) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
1.24x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 0.82x
Excellent

In 2022, the interest coverage of FINANCIERE DE RECOUVREMEN... (1.2x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2024) ?
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

0 €

Customer credit (2024) ?
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

0 j

Supplier credit (2024) ?
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

0 j

Inventory turnover (2024) ?
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 and payment terms evolution
FINANCIERE DE RECOUVREMENT FINREC

Positioning of FINANCIERE DE RECOUVREMENT FINREC in its sector

Comparison with sector Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle

Valuation estimate

Based on 158 transactions of similar company sales (all years), the value of FINANCIERE DE RECOUVREMENT FINREC is estimated at 184 821 € (range 49 496€ - 448 353€). 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 2024
158 transactions
49k€ 184k€ 448k€
184 821 € Range: 49 496€ - 448 353€
NAF 4 all-time Aggregated at NAF sub-class level

Valuation method used

Net Income Multiple
56 449 € × 3.3x = 184 822 €
Range: 49 496€ - 448 353€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 158 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 (Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle)

Compare FINANCIERE DE RECOUVREMENT FINREC with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle

Frequently asked questions about FINANCIERE DE RECOUVREMENT FINREC

What is the revenue of FINANCIERE DE RECOUVREMENT FINREC ?

The revenue of FINANCIERE DE RECOUVREMENT FINREC in 2022 is 5.5 M€.

Is FINANCIERE DE RECOUVREMENT FINREC profitable?

Yes, FINANCIERE DE RECOUVREMENT FINREC generated a net profit of 56 k€ in 2024.

Where is the headquarters of FINANCIERE DE RECOUVREMENT FINREC ?

The headquarters of FINANCIERE DE RECOUVREMENT FINREC is located in ARCUEIL (94110), in the department Val-de-Marne.

Where to find the tax return of FINANCIERE DE RECOUVREMENT FINREC ?

The tax return of FINANCIERE DE RECOUVREMENT FINREC 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 RECOUVREMENT FINREC operate?

FINANCIERE DE RECOUVREMENT FINREC operates in the sector Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle (NAF code 82.91Z). See the 'Sector positioning' section above to compare the company with its competitors.