FINANCIERE ORTELLI FINOR : revenue, balance sheet and financial ratios

FINANCIERE ORTELLI FINOR is a French company founded 63 years ago, specialized in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.. Based in CHOISEY (39100), this company of category PME shows in 2023 a revenue of 976 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

Financial history - FINANCIERE ORTELLI FINOR (SIREN 037350154)
Indicator 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 975 877 € 934 063 € 818 420 € 961 039 € 1 117 610 € 1 078 619 € 1 247 776 € 1 332 038 €
Net income 369 250 € 694 801 € 285 232 € 1 031 048 € 438 743 € 66 669 € 422 307 € 238 744 €
EBITDA 609 908 € 594 743 € 445 706 € 578 733 € 659 452 € 487 802 € 429 192 € 514 477 €
Net margin 37.8% 74.4% 34.9% 107.3% 39.3% 6.2% 33.8% 17.9%

Revenue and income statement

In 2023, FINANCIERE ORTELLI FINOR achieves revenue of 976 k€. Activity remains stable over the period (CAGR: -4.3%). Vs 2022: +4%. After deducting consumption (0 €), gross margin stands at 976 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 610 k€, representing 62.5% of 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 369 k€, i.e. 37.8% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

975 877 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

975 877 €

EBITDA (2023) ?
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

609 908 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

518 096 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

369 250 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

62.5%

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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 3%. 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 96%. 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 53.1% 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 (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

3.17%

Financial autonomy (2023) ?
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

96.478%

Cash flow / Revenue (2023) ?
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

53.061%

Repayment capacity (2023) ?
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

0.347

Asset age ratio (2023) ?
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

30.7%

Solvency indicators evolution
FINANCIERE ORTELLI FINOR

Sector positioning

Debt ratio
3.17 2023
2021
2022
2023
Q1: 0.0
Med: 5.37
Q3: 59.79
Good +7 pts over 3 years

In 2023, the debt ratio of FINANCIERE ORTELLI FINOR (3.17) 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
96.48% 2023
2021
2022
2023
Q1: 5.1%
Med: 41.81%
Q3: 76.55%
Excellent

In 2023, the financial autonomy of FINANCIERE ORTELLI FINOR (96.5%) 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
0.35 years 2023
2021
2022
2023
Q1: -0.01 years
Med: 0.0 years
Q3: 1.17 years
Average

In 2023, the repayment capacity of FINANCIERE ORTELLI FINOR (0.35) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 12330.91. 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 52.7x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2023) ?
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

12330.912

Interest coverage (2023) ?
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

52.741

Liquidity indicators evolution
FINANCIERE ORTELLI FINOR

Sector positioning

Liquidity ratio
12330.91 2023
2021
2022
2023
Q1: 142.15
Med: 323.83
Q3: 1004.83
Excellent

In 2023, the liquidity ratio of FINANCIERE ORTELLI FINOR (12330.91) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
52.74x 2023
2021
2022
2023
Q1: -0.68x
Med: 0.0x
Q3: 0.46x
Excellent

In 2023, the interest coverage of FINANCIERE ORTELLI FINOR (52.7x) 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. Average customer payment term: 6 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 15 days. Favorable situation: supplier credit is longer than customer credit by 9 days. Overall, WCR represents 230 days of revenue, i.e. 624 k€ to permanently finance. Over 2016-2023, WCR increased by +134%, requiring additional financing.

Operating WCR (2023) ?
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

623 751 €

Customer credit (2023) ?
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

6 j

Supplier credit (2023) ?
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

15 j

Inventory turnover (2023) ?
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 (2023) ?
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

230 j

WCR and payment terms evolution
FINANCIERE ORTELLI FINOR

Positioning of FINANCIERE ORTELLI FINOR in its sector

Comparison with sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Valuation estimate

Based on 103 transactions of similar company sales (all years), the value of FINANCIERE ORTELLI FINOR is estimated at 1 113 507 € (range 484 072€ - 2 410 336€). With an EBITDA of 609 908€, the sector multiple of 2.5x is applied. The price/revenue ratio is 0.30x (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.

Estimated enterprise value 2023
103 transactions
484k€ 1113k€ 2410k€
1 113 507 € Range: 484 072€ - 2 410 336€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
609 908 € × 2.5x
Estimation 1 554 189 €
692 091€ - 3 055 958€
Revenue Multiple 30%
975 877 € × 0.30x
Estimation 297 632 €
158 335€ - 823 538€
Net Income Multiple 20%
369 250 € × 3.3x
Estimation 1 235 616 €
452 634€ - 3 176 482€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 103 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 (Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.)

Compare FINANCIERE ORTELLI FINOR with other companies in the same sector:

Voir toutes les statistiques du secteur Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Frequently asked questions about FINANCIERE ORTELLI FINOR

What is the revenue of FINANCIERE ORTELLI FINOR ?

The revenue of FINANCIERE ORTELLI FINOR in 2023 is 976 k€.

Is FINANCIERE ORTELLI FINOR profitable?

Yes, FINANCIERE ORTELLI FINOR generated a net profit of 369 k€ in 2023.

Where is the headquarters of FINANCIERE ORTELLI FINOR ?

The headquarters of FINANCIERE ORTELLI FINOR is located in CHOISEY (39100), in the department Jura.

Where to find the tax return of FINANCIERE ORTELLI FINOR ?

The tax return of FINANCIERE ORTELLI FINOR 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 ORTELLI FINOR operate?

FINANCIERE ORTELLI FINOR operates in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a. (NAF code 66.19B). See the 'Sector positioning' section above to compare the company with its competitors.