SIREN : 421716119
FINANCIERE RAYNAUD is a French company founded 27 years ago, specialized in the sector Activités des sociétés holding. Based in DOMPIERRE-SUR-BESBRE (03290), this company of category PME shows in 2024 a revenue of 57 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 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 57 389 € | 51 550 € | 96 000 € | 136 073 € | 96 300 € | 104 300 € | 54 654 € | 50 683 € | 50 495 € |
| Net income | 94 326 € | 17 440 € | 64 060 € | 71 785 € | 47 050 € | 10 897 € | 438 616 € | 251 605 € | 250 664 € |
| EBITDA | 12 709 € | -10 177 € | 75 438 € | 86 703 € | 50 762 € | 15 461 € | -225 381 € | 44 544 € | 44 963 € |
| Net margin | 164.4% | 33.8% | 66.7% | 52.8% | 48.9% | 10.4% | 802.5% | 496.4% | 496.4% |
In 2024, FINANCIERE RAYNAUD achieves revenue of 57 k€. Revenue is growing positively over 9 years (CAGR: +1.6%). Vs 2023, growth of +11% (52 k€ -> 57 k€). After deducting consumption (98 €), gross margin stands at 57 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 13 k€, representing 22.1% of revenue. Positive scissor effect: EBITDA margin improves by +41.9 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 94 k€, i.e. 164.4% of revenue. This profit can be retained or distributed to shareholders.
57 389 €
57 291 €
12 709 €
12 708 €
94 326 €
22.1%
The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 164.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.0%
0.0%
164.363%
0.0
In 2024, the debt ratio of FINANCIERE RAYNAUD (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
In 2024, the financial autonomy of FINANCIERE RAYNAUD (0.0%) 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 RAYNAUD (0.00) 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 2436.24. 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 62.8x. Operating income very largely covers interest expenses: high safety margin.
2436.24
62.829
In 2024, the liquidity ratio of FINANCIERE RAYNAUD (2436.24) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2024, the interest coverage of FINANCIERE RAYNAUD (62.8x) 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: 311 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 25 days. The gap of 286 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Inventory turnover is 68 days (= Average inventory / Cost of goods x 360). WCR is negative (-779 days): operations structurally generate cash. Notable WCR improvement over the period (-108%), freeing up cash.
-124 172 €
311 j
25 j
68 j
-779 j
Based on 54 transactions of similar company sales
in 2024,
the value of FINANCIERE RAYNAUD is estimated at
68 408 €
(range 29 074€ - 205 900€).
With an EBITDA of 12 709€, 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 RAYNAUD with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of FINANCIERE RAYNAUD in 2024 is 57 k€.
Yes, FINANCIERE RAYNAUD generated a net profit of 94 k€ in 2024.
The headquarters of FINANCIERE RAYNAUD is located in DOMPIERRE-SUR-BESBRE (03290), in the department Allier.
The tax return of FINANCIERE RAYNAUD 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 RAYNAUD 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.