SIREN : 520956590
FINARVOR is a French company founded 16 years ago, specialized in the sector Location de logements. Based in DINAN (22100), this company of category PME shows in 2023 a revenue of 156 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 |
|---|---|---|---|---|
| Revenue | 156 000 € | 115 052 € | 31 200 € | 134 605 € |
| Net income | 66 245 € | -102 831 € | 29 252 € | 46 306 € |
| EBITDA | -32 657 € | -47 563 € | -115 676 € | -122 221 € |
| Net margin | 42.5% | -89.4% | 93.8% | 34.4% |
In 2023, FINARVOR achieves revenue of 156 k€. Over the period 2020-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +5.0%. Vs 2022, growth of +36% (115 k€ -> 156 k€). After deducting consumption (0 €), gross margin stands at 156 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 -33 k€, representing -20.9% of revenue. Positive scissor effect: EBITDA margin improves by +20.4 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 66 k€, i.e. 42.5% of revenue. This profit can be retained or distributed to shareholders.
156 000 €
156 000 €
-32 657 €
-33 249 €
66 245 €
-20.9%
The debt ratio (= Financial debt / Equity x 100) stands at 83%. 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.
82.525%
53.273%
-29.006%
-21.251
In 2023, the debt ratio of FINARVOR (82.53) 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 FINARVOR (53.3%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
In 2023, the repayment capacity of FINARVOR (-21.25) 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 0.00. Alert: short-term debt exceeds current assets. Risk of payment difficulties without cash reinforcement.
0.0
-62.67
In 2023, the liquidity ratio of FINARVOR (0.00) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.
In 2023, the interest coverage of FINARVOR (-62.7x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 12 days. Favorable situation: supplier credit is longer than customer credit by 12 days. WCR is negative (-134 days): operations structurally generate cash. Notable WCR improvement over the period (-116%), freeing up cash.
-58 090 €
0 j
12 j
0 j
-134 j
Based on 215 transactions of similar company sales in 2023, the value of FINARVOR is estimated at 198 073 € (range 76 846€ - 400 176€). The price/revenue ratio is 0.51x (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 215 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 FINARVOR with other companies in the same sector:
Voir toutes les statistiques du secteur Location de logements
The revenue of FINARVOR in 2023 is 156 k€.
Yes, FINARVOR generated a net profit of 66 k€ in 2023.
The headquarters of FINARVOR is located in DINAN (22100), in the department Cotes-d'Armor.
The tax return of FINARVOR 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).
FINARVOR operates in the sector Location de logements (NAF code 68.20A). See the 'Sector positioning' section above to compare the company with its competitors.