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GROUPE EMPRUNTIS : revenue, balance sheet and financial ratios

GROUPE EMPRUNTIS is a French company founded 4 years ago, specialized in the sector Activités des sociétés holding. Based in PARIS (75009), this company of category ETI shows in 2023 a revenue of 3.5 M€. 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

Financial history - GROUPE EMPRUNTIS (SIREN 908267859)
Indicator 2023 2021
Revenue 3 541 013 € N/C
Net income -134 508 888 € -4 410 €
EBITDA -328 350 € -4 410 €
Net margin -3798.6% N/C

Revenue and income statement

In 2023, GROUPE EMPRUNTIS achieves revenue of 3.5 M€. After deducting consumption (0 €), gross margin stands at 3.5 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 -328 k€, representing -9.3% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -134.5 M€ (-3798.6% of revenue), which will impact equity.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

3 541 013 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

3 541 013 €

EBITDA (2023) ?
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

-328 350 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-1 655 800 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-134 508 888 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-9.3%

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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 82%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 54%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

81.596%

Financial autonomy (2023) ?
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

54.489%

Cash flow / Revenue (2023) ?
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

-23.677%

Repayment capacity (2023) ?
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

-313.677

Asset age ratio (2023) ?
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

84.8%

Solvency indicators evolution
GROUPE EMPRUNTIS

Sector positioning

Debt ratio
81.6 2023
2021
2023
Q1: 0.03
Med: 10.87
Q3: 70.22
Average +50 pts over 2 years

In 2023, the debt ratio of GROUPE EMPRUNTIS (81.60) 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
54.49% 2023
2021
2023
Q1: 17.2%
Med: 61.39%
Q3: 90.77%
Average +21 pts over 2 years

In 2023, the financial autonomy of GROUPE EMPRUNTIS (54.5%) 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
-313.68 years 2023
2021
2023
Q1: 0.0 years
Med: 0.09 years
Q3: 3.23 years
Excellent

In 2023, the repayment capacity of GROUPE EMPRUNTIS (-313.68) 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 771.50. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

771.504

Interest coverage (2023) ?
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

-46607.747

Liquidity indicators evolution
GROUPE EMPRUNTIS

Sector positioning

Liquidity ratio
771.5 2023
2021
2023
Q1: 126.86
Med: 619.0
Q3: 3548.33
Good +27 pts over 2 years

In 2023, the liquidity ratio of GROUPE EMPRUNTIS (771.50) 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
-46607.75x 2023
2021
2023
Q1: -65.31x
Med: 0.0x
Q3: 0.0x
Average -25 pts over 2 years

In 2023, the interest coverage of GROUPE EMPRUNTIS (-46607.8x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 447 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 305 days. The gap of 142 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 3946 days of revenue, i.e. 38.8 M€ to permanently finance.

Operating WCR (2023) ?
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

38 813 610 €

Customer credit (2023) ?
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

447 j

Supplier credit (2023) ?
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

305 j

Inventory turnover (2023) ?
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 (2023) ?
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

3946 j

WCR and payment terms evolution
GROUPE EMPRUNTIS

Positioning of GROUPE EMPRUNTIS in its sector

Comparison with sector Activités des sociétés holding

Valuation estimate

Based on 63 transactions of similar company sales in 2023, the value of GROUPE EMPRUNTIS is estimated at 851 535 € (range 622 769€ - 2 528 966€). The price/revenue ratio is 0.24x (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.
Medium reliability: estimate to be confirmed with in-depth analysis.

Estimated enterprise value 2023
63 tx
622k€ 851k€ 2528k€
851 535 € Range: 622 769€ - 2 528 966€
NAF 5 année 2023

Valuation method used

Revenue Multiple
3 541 013 € × 0.24x = 851 535 €
Range: 622 769€ - 2 528 967€

Only this financial indicator is available for this company.

How is this estimate calculated?

This estimate is based on the analysis of 63 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 (Activités des sociétés holding)

Compare GROUPE EMPRUNTIS with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sociétés holding

Frequently asked questions about GROUPE EMPRUNTIS

What is the revenue of GROUPE EMPRUNTIS ?

The revenue of GROUPE EMPRUNTIS in 2023 is 3.5 M€.

Is GROUPE EMPRUNTIS profitable?

GROUPE EMPRUNTIS recorded a net loss in 2023.

Where is the headquarters of GROUPE EMPRUNTIS ?

The headquarters of GROUPE EMPRUNTIS is located in PARIS (75009), in the department Paris.

Where to find the tax return of GROUPE EMPRUNTIS ?

The tax return of GROUPE EMPRUNTIS 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 EMPRUNTIS operate?

GROUPE EMPRUNTIS 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.