SIREN : 794665000
FINANZEN FRANCE is a French company founded 12 years ago, specialized in the sector Autre distribution de crédit. Based in PARIS (75002), this company of category PME shows in 2024 a revenue of 8.6 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 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 8 604 854 € | 8 554 575 € | 11 567 528 € | 10 521 679 € | 10 134 623 € | 10 915 782 € | 11 781 319 € | 7 347 696 € | 3 995 619 € |
| Net income | -31 000 € | -709 850 € | 52 601 € | 746 963 € | 617 994 € | 130 994 € | 775 914 € | 617 791 € | -138 287 € |
| EBITDA | 286 986 € | 390 265 € | 463 024 € | 786 304 € | 1 220 757 € | 613 810 € | 155 792 € | 700 516 € | 93 812 € |
| Net margin | -0.4% | -8.3% | 0.5% | 7.1% | 6.1% | 1.2% | 6.6% | 8.4% | -3.5% |
In 2024, FINANZEN FRANCE achieves revenue of 8.6 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +10.1%. Vs 2023: +1%. After deducting consumption (0 €), gross margin stands at 8.6 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 287 k€, representing 3.3% of revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -31 k€ (-0.4% of revenue), which will impact equity.
8 604 854 €
8 604 854 €
286 986 €
104 307 €
-31 000 €
3.3%
The debt ratio (= Financial debt / Equity x 100) stands at 91%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 30%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 14.4 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 0.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
90.894%
30.032%
0.903%
14.382
27.0%
In 2024, the debt ratio of FINANZEN FRANCE (90.89) 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 FINANZEN FRANCE (30.0%) 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 FINANZEN FRANCE (14.38) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.
The liquidity ratio (= Current assets / Current liabilities) stands at 208.85. 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 12.4x. Operating income very largely covers interest expenses: high safety margin.
208.847
12.437
In 2024, the liquidity ratio of FINANZEN FRANCE (208.85) 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 FINANZEN FRANCE (12.4x) 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: 56 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 33 days. The company must finance 23 days of gap between collections and payments. Overall, WCR represents 55 days of revenue, i.e. 1.3 M€ to permanently finance. Over 2016-2024, WCR increased by +63%, requiring additional financing.
1 311 982 €
56 j
33 j
0 j
55 j
Based on 135 transactions of similar company sales (all years), the value of FINANZEN FRANCE is estimated at 430 699 € (range 348 376€ - 1 211 561€). With an EBITDA of 286 986€, the sector multiple of 0.3x is applied. The price/revenue ratio is 0.11x (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.
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This estimate is based on the analysis of 135 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 FINANZEN FRANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Autre distribution de crédit
The revenue of FINANZEN FRANCE in 2024 is 8.6 M€.
FINANZEN FRANCE recorded a net loss in 2024.
The headquarters of FINANZEN FRANCE is located in PARIS (75002), in the department Paris.
The tax return of FINANZEN FRANCE 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).
FINANZEN FRANCE operates in the sector Autre distribution de crédit (NAF code 64.92Z). See the 'Sector positioning' section above to compare the company with its competitors.