SIREN : 439332040
FINANCIERE N.S is a French company founded 24 years ago, specialized in the sector Activités des sociétés holding. Based in GIROUSSENS (81500), this company of category PME shows in 2024 a revenue of 1.4 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1 432 880 € | 1 278 196 € | 1 238 421 € | 1 148 099 € | 1 246 722 € | 1 107 196 € | 1 017 276 € | 545 951 € |
| Net income | 158 885 € | 155 698 € | -527 881 € | -44 791 € | 162 294 € | 100 799 € | 47 196 € | 51 960 € |
| EBITDA | 101 079 € | -48 516 € | -56 964 € | -60 602 € | 37 563 € | -116 808 € | -114 408 € | -81 083 € |
| Net margin | 11.1% | 12.2% | -42.6% | -3.9% | 13.0% | 9.1% | 4.6% | 9.5% |
In 2024, FINANCIERE N.S achieves revenue of 1.4 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +12.8%. Vs 2023, growth of +12% (1.3 M€ -> 1.4 M€). After deducting consumption (512 €), gross margin stands at 1.4 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 101 k€, representing 7.1% of revenue. Positive scissor effect: EBITDA margin improves by +10.8 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 159 k€, i.e. 11.1% of revenue. This profit can be retained or distributed to shareholders.
1 432 880 €
1 432 368 €
101 079 €
57 519 €
158 885 €
7.1%
The debt ratio (= Financial debt / Equity x 100) stands at 101%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 38%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 4.6 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 14.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
101.351%
38.336%
14.067%
4.587
14.2%
In 2024, the debt ratio of FINANCIERE N.S (101.35) 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 N.S (38.3%) 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 2024, the repayment capacity of FINANCIERE N.S (4.59) 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 169.63. 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 1.0x. Coverage is limited: any activity downturn would jeopardize interest payments.
169.627
1.032
In 2024, the liquidity ratio of FINANCIERE N.S (169.63) 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 N.S (1.0x) 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: 178 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 34 days. The gap of 144 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 100 days of revenue, i.e. 400 k€ to permanently finance. Over 2016-2024, WCR increased by +121%, requiring additional financing.
399 902 €
178 j
34 j
0 j
100 j
Based on 54 transactions of similar company sales
in 2024,
the value of FINANCIERE N.S is estimated at
543 886 €
(range 228 415€ - 959 378€).
With an EBITDA of 101 079€, 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.
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 N.S with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of FINANCIERE N.S in 2024 is 1.4 M€.
Yes, FINANCIERE N.S generated a net profit of 159 k€ in 2024.
The headquarters of FINANCIERE N.S is located in GIROUSSENS (81500), in the department Tarn.
The tax return of FINANCIERE N.S 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 N.S 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.