SIREN : 424879567
FINANCIERE TRIO is a French company founded 26 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in LILLE (59800), this company of category ETI shows in 2024 a revenue of 3.9 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-25
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2021 | 2019 | 2017 |
|---|---|---|---|---|---|
| Revenue | 3 905 114 € | 3 767 612 € | 3 667 977 € | 3 719 173 € | 3 289 715 € |
| Net income | -2 828 003 € | 899 814 € | 2 126 754 € | 2 753 354 € | -150 460 € |
| EBITDA | 136 204 € | 392 292 € | 611 401 € | 602 641 € | 261 987 € |
| Net margin | -72.4% | 23.9% | 58.0% | 74.0% | -4.6% |
In 2024, FINANCIERE TRIO achieves revenue of 3.9 M€. Revenue is growing positively over 5 years (CAGR: +2.5%). Vs 2023: +4%. After deducting consumption (0 €), gross margin stands at 3.9 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 136 k€, representing 3.5% of revenue. Warning negative scissor effect: despite revenue change (+4%), EBITDA varies by -65%, reducing margin by 6.9 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -2.8 M€ (-72.4% of revenue), which will impact equity.
3 905 114 €
3 905 114 €
136 204 €
813 571 €
-2 828 003 €
3.5%
The debt ratio (= Financial debt / Equity x 100) stands at 15%. 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 86%. 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 2.8 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 67.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
14.513%
86.282%
67.828%
2.769
56.3%
In 2024, the debt ratio of FINANCIERE TRIO (14.51) 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 TRIO (86.3%) 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.
In 2024, the repayment capacity of FINANCIERE TRIO (2.77) 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 3886.62. 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 4353.3x. Operating income very largely covers interest expenses: high safety margin.
3886.625
4353.254
In 2024, the liquidity ratio of FINANCIERE TRIO (3886.62) 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.
In 2024, the interest coverage of FINANCIERE TRIO (4353.2x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 37 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 51 days. Favorable situation: supplier credit is longer than customer credit by 14 days. Overall, WCR represents 601 days of revenue, i.e. 6.5 M€ to permanently finance.
6 522 126 €
37 j
51 j
0 j
601 j
Based on 169 transactions of similar company sales in 2024, the value of FINANCIERE TRIO is estimated at 1 657 938 € (range 577 574€ - 3 053 573€). With an EBITDA of 136 204€, the sector multiple of 5.6x is applied. The price/revenue ratio is 0.81x (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.
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This estimate is based on the analysis of 169 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 TRIO with other companies in the same sector:
Voir toutes les statistiques du secteur Location de terrains et d'autres biens immobiliers
The revenue of FINANCIERE TRIO in 2024 is 3.9 M€.
FINANCIERE TRIO recorded a net loss in 2024.
The headquarters of FINANCIERE TRIO is located in LILLE (59800), in the department Nord.
The tax return of FINANCIERE TRIO 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 TRIO operates in the sector Location de terrains et d'autres biens immobiliers (NAF code 68.20B). See the 'Sector positioning' section above to compare the company with its competitors.