SIREN : 810146167
FOCALES FINANCES is a French company founded 11 years ago, specialized in the sector Activités des sociétés holding. Based in ROSPORDEN (29140), this company of category PME shows in 2024 a revenue of 214 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 | 2024 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|
| Revenue | 214 000 € | 208 800 € | 219 252 € | 140 000 € | 140 000 € | 185 000 € | 220 000 € |
| Net income | 451 481 € | 30 667 € | 21 666 € | -51 865 € | 111 736 € | 12 946 € | -9 656 € |
| EBITDA | 9 681 € | 8 282 € | 28 600 € | -42 360 € | -51 767 € | 9 956 € | -12 879 € |
| Net margin | 211.0% | 14.7% | 9.9% | -37.0% | 79.8% | 7.0% | -4.4% |
In 2024, FOCALES FINANCES achieves revenue of 214 k€. Activity remains stable over the period (CAGR: -0.4%). Vs 2022: +2%. After deducting consumption (0 €), gross margin stands at 214 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 10 k€, representing 4.5% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 451 k€, i.e. 211.0% of revenue. This profit can be retained or distributed to shareholders.
214 000 €
214 000 €
9 681 €
19 912 €
451 481 €
4.5%
The debt ratio (= Financial debt / Equity x 100) stands at 3%. 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 82%. 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 0.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 206.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
3.325%
82.429%
206.192%
0.15
In 2024, the debt ratio of FOCALES FINANCES (3.33) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of FOCALES FINANCES (82.4%) 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 2024, the repayment capacity of FOCALES FINANCES (0.15) 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 147.28. 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.
147.281
12.426
In 2024, the liquidity ratio of FOCALES FINANCES (147.28) 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 FOCALES FINANCES (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: 8 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 68 days. Excellent situation: suppliers finance 60 days of the operating cycle (retail model). Overall, WCR represents 255 days of revenue, i.e. 151 k€ to permanently finance. Over 2017-2024, WCR increased by +229%, requiring additional financing.
151 307 €
8 j
68 j
0 j
255 j
Based on 54 transactions of similar company sales
in 2024,
the value of FOCALES FINANCES is estimated at
193 036 €
(range 111 556€ - 759 648€).
With an EBITDA of 9 681€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.59x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 54 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 FOCALES FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of FOCALES FINANCES in 2024 is 214 k€.
Yes, FOCALES FINANCES generated a net profit of 451 k€ in 2024.
The headquarters of FOCALES FINANCES is located in ROSPORDEN (29140), in the department Finistere.
The tax return of FOCALES FINANCES 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).
FOCALES FINANCES 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.