GROUPE CONSEIL FINANCEMENT : revenue, balance sheet and financial ratios

GROUPE CONSEIL FINANCEMENT is a French company founded 26 years ago, specialized in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.. Based in PARIS (75011), this company of category PME shows in 2022 a revenue of 1.2 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 - GROUPE CONSEIL FINANCEMENT (SIREN 424247765)
Indicator 2022 2021 2020 2019 2018 2017 2016
Revenue 1 169 049 € 1 251 712 € 1 629 125 € 1 894 678 € 1 776 836 € 2 447 681 € 1 851 276 €
Net income 130 219 € 230 662 € 405 730 € 328 215 € 441 843 € 506 362 € 239 537 €
EBITDA 76 473 € 200 057 € 413 366 € 410 363 € 301 305 € 644 996 € 396 939 €
Net margin 11.1% 18.4% 24.9% 17.3% 24.9% 20.7% 12.9%

Revenue and income statement

In 2022, GROUPE CONSEIL FINANCEMENT achieves revenue of 1.2 M€. Revenue is declining over the period 2016-2022 (CAGR: -7.4%). Slight decline of -7% vs 2021. After deducting consumption (0 €), gross margin stands at 1.2 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 76 k€, representing 6.5% of revenue. Warning negative scissor effect: despite revenue change (-7%), EBITDA varies by -62%, reducing margin by 9.4 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 130 k€, i.e. 11.1% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

1 169 049 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

1 169 049 €

EBITDA (2022) ?
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

76 473 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

40 833 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

130 219 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

6.5%

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Chart evolution

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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 310%. 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 19%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 4.0 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 14.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

309.706%

Financial autonomy (2022) ?
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

18.519%

Cash flow / Revenue (2022) ?
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

14.187%

Repayment capacity (2022) ?
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

4.015

Asset age ratio (2022) ?
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

56.9%

Solvency indicators evolution
GROUPE CONSEIL FINANCEMENT

Sector positioning

Debt ratio
309.71 2022
2020
2021
2022
Q1: 0.0
Med: 7.69
Q3: 79.46
Average

In 2022, the debt ratio of GROUPE CONSEIL FINANCEMENT (309.71) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
18.52% 2022
2020
2021
2022
Q1: 9.79%
Med: 43.97%
Q3: 76.41%
Average -11 pts over 3 years

In 2022, the financial autonomy of GROUPE CONSEIL FINANCEMENT (18.5%) 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
4.01 years 2022
2020
2021
2022
Q1: 0.0 years
Med: 0.0 years
Q3: 1.59 years
Average

In 2022, the repayment capacity of GROUPE CONSEIL FINANCEMENT (4.01) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 379.17. 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 22.0x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2022) ?
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

379.166

Interest coverage (2022) ?
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

22.001

Liquidity indicators evolution
GROUPE CONSEIL FINANCEMENT

Sector positioning

Liquidity ratio
379.17 2022
2020
2021
2022
Q1: 133.65
Med: 294.73
Q3: 834.04
Good

In 2022, the liquidity ratio of GROUPE CONSEIL FINANCEMENT (379.17) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
22.0x 2022
2020
2021
2022
Q1: 0.0x
Med: 0.0x
Q3: 0.91x
Excellent

In 2022, the interest coverage of GROUPE CONSEIL FINANCEMENT (22.0x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 29 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 48 days. Favorable situation: supplier credit is longer than customer credit by 19 days. WCR is negative (-0 days): operations structurally generate cash. Over 2016-2022, WCR increased by +99%, requiring additional financing.

Operating WCR (2022) ?
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

-924 €

Customer credit (2022) ?
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

29 j

Supplier credit (2022) ?
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

48 j

Inventory turnover (2022) ?
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 (2022) ?
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

0 j

WCR and payment terms evolution
GROUPE CONSEIL FINANCEMENT

Positioning of GROUPE CONSEIL FINANCEMENT in its sector

Comparison with sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Valuation estimate

Based on 103 transactions of similar company sales (all years), the value of GROUPE CONSEIL FINANCEMENT is estimated at 291 549 € (range 132 216€ - 711 593€). With an EBITDA of 76 473€, the sector multiple of 2.5x is applied. The price/revenue ratio is 0.30x (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 2022
103 transactions
132k€ 291k€ 711k€
291 549 € Range: 132 216€ - 711 593€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
76 473 € × 2.5x
Estimation 194 871 €
86 778€ - 383 170€
Revenue Multiple 30%
1 169 049 € × 0.30x
Estimation 356 547 €
189 677€ - 986 555€
Net Income Multiple 20%
130 219 € × 3.3x
Estimation 435 750 €
159 625€ - 1 120 212€

Valuation evolution

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 (Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.)

Compare GROUPE CONSEIL FINANCEMENT with other companies in the same sector:

Voir toutes les statistiques du secteur Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Frequently asked questions about GROUPE CONSEIL FINANCEMENT

What is the revenue of GROUPE CONSEIL FINANCEMENT ?

The revenue of GROUPE CONSEIL FINANCEMENT in 2022 is 1.2 M€.

Is GROUPE CONSEIL FINANCEMENT profitable?

Yes, GROUPE CONSEIL FINANCEMENT generated a net profit of 130 k€ in 2022.

Where is the headquarters of GROUPE CONSEIL FINANCEMENT ?

The headquarters of GROUPE CONSEIL FINANCEMENT is located in PARIS (75011), in the department Paris.

Where to find the tax return of GROUPE CONSEIL FINANCEMENT ?

The tax return of GROUPE CONSEIL FINANCEMENT 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 GROUPE CONSEIL FINANCEMENT operate?

GROUPE CONSEIL FINANCEMENT operates in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a. (NAF code 66.19B). See the 'Sector positioning' section above to compare the company with its competitors.