FIS FINANCIAL SYSTEMS (FRANCE) : revenue, balance sheet and financial ratios

FIS FINANCIAL SYSTEMS (FRANCE) is a French company founded 37 years ago, specialized in the sector Edition de logiciels applicatifs. Based in PARIS (75002), this company of category ETI shows in 2024 a revenue of 81.5 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

Financial history - FIS FINANCIAL SYSTEMS (FRANCE) (SIREN 347600645)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 81 456 000 € 79 384 000 € 77 287 000 € 87 625 000 € 96 829 000 € 77 102 000 € 84 969 000 € 101 098 000 € 89 739 000 €
Net income -21 167 000 € -10 342 000 € 10 871 000 € 50 822 000 € -855 000 € -19 782 000 € -44 331 000 € 57 262 000 € -35 952 000 €
EBITDA -14 833 000 € -12 920 000 € -9 065 000 € 4 937 000 € 10 692 000 € -2 990 000 € 2 575 000 € 18 861 000 € 3 061 000 €
Net margin -26.0% -13.0% 14.1% 58.0% -0.9% -25.7% -52.2% 56.6% -40.1%

Revenue and income statement

In 2024, FIS FINANCIAL SYSTEMS (FRANCE) achieves revenue of 81.5 M€. Activity remains stable over the period (CAGR: -1.2%). Vs 2023: +3%. After deducting consumption (213 k€), gross margin stands at 81.2 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 -14.8 M€, representing -18.2% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -21.2 M€ (-26.0% of revenue), which will impact equity.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

81 456 000 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

81 243 000 €

EBITDA (2024) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

-14 833 000 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-6 837 000 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-21 167 000 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-18.2%

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 272%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 13%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

272.484%

Financial autonomy (2024) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

12.624%

Cash flow / Revenue (2024) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

-35.857%

Repayment capacity (2024) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

-1.679

Asset age ratio (2024) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

17.8%

Solvency indicators evolution
FIS FINANCIAL SYSTEMS (FRANCE)

Sector positioning

Debt ratio
272.48 2024
2022
2023
2024
Q1: 0.0
Med: 5.29
Q3: 44.39
Watch +22 pts over 3 years

In 2024, the debt ratio of FIS FINANCIAL SYSTEMS (FR... (272.48) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
12.62% 2024
2022
2023
2024
Q1: 11.65%
Med: 39.77%
Q3: 62.21%
Average -21 pts over 3 years

In 2024, the financial autonomy of FIS FINANCIAL SYSTEMS (FR... (12.6%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
-1.68 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.8 years
Excellent -50 pts over 3 years

In 2024, the repayment capacity of FIS FINANCIAL SYSTEMS (FR... (-1.68) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 184.48. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

184.484

Interest coverage (2024) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

-113.113

Liquidity indicators evolution
FIS FINANCIAL SYSTEMS (FRANCE)

Sector positioning

Liquidity ratio
184.48 2024
2022
2023
2024
Q1: 146.39
Med: 243.79
Q3: 459.15
Average

In 2024, the liquidity ratio of FIS FINANCIAL SYSTEMS (FR... (184.48) 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.

Interest coverage
-113.11x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.19x
Watch

In 2024, the interest coverage of FIS FINANCIAL SYSTEMS (FR... (-113.1x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 354 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 256 days. The gap of 98 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 381 days of revenue, i.e. 86.1 M€ to permanently finance. Over 2016-2024, WCR increased by +198%, requiring additional financing.

Operating WCR (2024) ?
Operating WCR
Definition
Financing requirement generated by the operating cycle (inventory + receivables - trade payables).
Formula
Inventory + Customer receivables - Trade payables
Interpretation
Negative = cash released
Positive = financing needed

86 148 680 €

Customer credit (2024) ?
Customer credit (days)
Definition
Average payment term granted to customers.
Formula
(Customer receivables / Revenue incl. VAT) x 360
Interpretation
< 45j : Good
45-60j : Average
> 60j : Long

354 j

Supplier credit (2024) ?
Supplier credit (days)
Definition
Average payment term obtained from suppliers.
Formula
(Trade payables / Purchases incl. VAT) x 360
Interpretation
The longer the term, the better for cash flow

256 j

Inventory turnover (2024) ?
Inventory turnover (days)
Definition
Average storage duration for goods or materials.
Formula
(Inventory / Cost of goods) x 360
Interpretation
The lower the ratio, the faster the turnover

0 j

WCR in days of revenue (2024) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

381 j

WCR and payment terms evolution
FIS FINANCIAL SYSTEMS (FRANCE)

Positioning of FIS FINANCIAL SYSTEMS (FRANCE) in its sector

Comparison with sector Edition de logiciels applicatifs

Valuation estimate

Based on 103 transactions of similar company sales (all years), the value of FIS FINANCIAL SYSTEMS (FRANCE) is estimated at 20 268 859 € (range 8 953 894€ - 44 608 254€). The price/revenue ratio is 0.25x (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.

Estimated enterprise value 2024
103 transactions
8953k€ 20268k€ 44608k€
20 268 859 € Range: 8 953 894€ - 44 608 254€
NAF 5 all-time

Valuation method used

Revenue Multiple
81 456 000 € × 0.25x = 20 268 859 €
Range: 8 953 895€ - 44 608 255€

Only this financial indicator is available for this company.

How is this estimate calculated?

This estimate is based on the analysis of 103 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Edition de logiciels applicatifs)

Compare FIS FINANCIAL SYSTEMS (FRANCE) with other companies in the same sector:

Voir toutes les statistiques du secteur Edition de logiciels applicatifs

Frequently asked questions about FIS FINANCIAL SYSTEMS (FRANCE)

What is the revenue of FIS FINANCIAL SYSTEMS (FRANCE) ?

The revenue of FIS FINANCIAL SYSTEMS (FRANCE) in 2024 is 81.5 M€.

Is FIS FINANCIAL SYSTEMS (FRANCE) profitable?

FIS FINANCIAL SYSTEMS (FRANCE) recorded a net loss in 2024.

Where is the headquarters of FIS FINANCIAL SYSTEMS (FRANCE) ?

The headquarters of FIS FINANCIAL SYSTEMS (FRANCE) is located in PARIS (75002), in the department Paris.

Where to find the tax return of FIS FINANCIAL SYSTEMS (FRANCE) ?

The tax return of FIS FINANCIAL SYSTEMS (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).

In which sector does FIS FINANCIAL SYSTEMS (FRANCE) operate?

FIS FINANCIAL SYSTEMS (FRANCE) operates in the sector Edition de logiciels applicatifs (NAF code 58.29C). See the 'Sector positioning' section above to compare the company with its competitors.