SIREN : 438285256
FINANCIERE OPAL is a French company founded 24 years ago, specialized in the sector Activités des sociétés holding. Based in LA MADELEINE (59110), this company of category PME shows in 2023 a revenue of 358 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 | 2022 | 2021 | 2020 | 2019 | 2018 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 357 786 € | 575 144 € | 526 124 € | 527 311 € | 521 981 € | 577 453 € | 589 552 € |
| Net income | -258 925 € | -120 677 € | -197 732 € | 235 447 € | 33 253 € | -258 743 € | -171 847 € |
| EBITDA | -99 089 € | -202 848 € | -183 264 € | -270 114 € | -105 935 € | -49 143 € | -34 911 € |
| Net margin | -72.4% | -21.0% | -37.6% | 44.7% | 6.4% | -44.8% | -29.1% |
In 2023, FINANCIERE OPAL achieves revenue of 358 k€. Revenue is declining over the period 2016-2023 (CAGR: -6.9%). Significant drop of -38% vs 2022. After deducting consumption (0 €), gross margin stands at 358 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 -99 k€, representing -27.7% of revenue. Positive scissor effect: EBITDA margin improves by +7.6 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -259 k€ (-72.4% of revenue), which will impact equity.
357 786 €
357 786 €
-99 089 €
-89 943 €
-258 925 €
-27.7%
The debt ratio (= Financial debt / Equity x 100) stands at 77%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 53%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
77.042%
52.615%
-57.602%
-9.887
6.6%
In 2023, the debt ratio of FINANCIERE OPAL (77.04) 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 OPAL (52.6%) 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 2023, the repayment capacity of FINANCIERE OPAL (-9.89) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.
The liquidity ratio (= Current assets / Current liabilities) stands at 130.56. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
130.559
-94.616
In 2023, the liquidity ratio of FINANCIERE OPAL (130.56) 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 OPAL (-94.6x) 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: 64 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 32 days. The gap of 32 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 38 days of revenue, i.e. 38 k€ to permanently finance. Notable WCR improvement over the period (-91%), freeing up cash.
37 932 €
64 j
32 j
0 j
38 j
Based on 63 transactions of similar company sales
in 2023,
the value of FINANCIERE OPAL is estimated at
86 039 €
(range 62 924€ - 255 528€).
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.
Only this financial indicator is available for this company.
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 OPAL with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of FINANCIERE OPAL in 2023 is 358 k€.
FINANCIERE OPAL recorded a net loss in 2023.
The headquarters of FINANCIERE OPAL is located in LA MADELEINE (59110), in the department Nord.
The tax return of FINANCIERE OPAL 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 OPAL 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.