SIREN : 442051942
FINAV is a French company founded 24 years ago, specialized in the sector Activités des sociétés holding. Based in MONTOIR-DE-BRETAGNE (44550), this company of category PME shows in 2025 a revenue of 692 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 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|
| Revenue | 692 225 € | 682 223 € | 683 064 € | 659 124 € | 661 243 € | 659 959 € | 582 750 € |
| Net income | 527 583 € | 575 753 € | 377 654 € | -87 286 € | 239 630 € | 266 605 € | 351 212 € |
| EBITDA | -122 220 € | -92 597 € | 28 317 € | -82 060 € | 104 376 € | -114 614 € | -14 931 € |
| Net margin | 76.2% | 84.4% | 55.3% | -13.2% | 36.2% | 40.4% | 60.3% |
In 2025, FINAV achieves revenue of 692 k€. Revenue is growing positively over 7 years (CAGR: +2.9%). Vs 2024: +1%. After deducting consumption (0 €), gross margin stands at 692 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 -122 k€, representing -17.7% of revenue. Warning negative scissor effect: despite revenue change (+1%), EBITDA varies by -32%, reducing margin by 4.1 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 528 k€, i.e. 76.2% of revenue. This profit can be retained or distributed to shareholders.
692 225 €
692 225 €
-122 220 €
-120 915 €
527 583 €
-17.7%
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 92%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 74.6% 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%
91.591%
74.581%
0.0
51.6%
In 2025, the debt ratio of FINAV (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 2025, the financial autonomy of FINAV (91.6%) 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 2025, the repayment capacity of FINAV (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 831.50. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
831.504
0.0
In 2025, the liquidity ratio of FINAV (831.50) 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 2025, the interest coverage of FINAV (0.0x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 58 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 113 days. Excellent situation: suppliers finance 55 days of the operating cycle (retail model). WCR is negative (-39 days): operations structurally generate cash. Notable WCR improvement over the period (-249%), freeing up cash.
-74 089 €
58 j
113 j
0 j
-39 j
Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 287 555€ to 3 113 531€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 20 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 FINAV with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of FINAV in 2025 is 692 k€.
Yes, FINAV generated a net profit of 528 k€ in 2025.
The headquarters of FINAV is located in MONTOIR-DE-BRETAGNE (44550), in the department Loire-Atlantique.
The tax return of FINAV 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).
FINAV 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.