ICAUNAISE DE FINANCES ET DE GESTION : revenue, balance sheet and financial ratios

ICAUNAISE DE FINANCES ET DE GESTION is a French company founded 9 years ago, specialized in the sector Activités des sièges sociaux. Based in MALAY-LE-GRAND (89100), this company of category PME shows in 2024 a revenue of 233 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - ICAUNAISE DE FINANCES ET DE GESTION (SIREN 822501003)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017
Revenue 232 887 € 231 683 € 283 673 € 270 307 € 205 011 € 204 336 € 149 902 € 4 921 €
Net income 53 350 € 104 255 € 76 479 € 14 115 € 145 000 € 55 702 € 60 823 € 324 857 €
EBITDA -6 809 € -11 051 € 5 656 € -1 140 € -13 492 € -3 343 € -34 866 € -73 592 €
Net margin 22.9% 45.0% 27.0% 5.2% 70.7% 27.3% 40.6% 6601.4%

Revenue and income statement

In 2024, ICAUNAISE DE FINANCES ET DE GESTION achieves revenue of 233 k€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +73.5%. Vs 2023: +1%. After deducting consumption (6 k€), gross margin stands at 227 k€, i.e. a rate of 97%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -7 k€, representing -2.9% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 53 k€, i.e. 22.9% of revenue. This profit can be retained or distributed to shareholders.

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

232 887 €

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

226 945 €

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

-6 809 €

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

-2 883 €

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

53 350 €

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

-2.9%

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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 24%. 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 18%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 5.3 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 23.4% 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 (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

23.847%

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

18.181%

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

23.43%

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

5.336

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

23.2%

Solvency indicators evolution
ICAUNAISE DE FINANCES ET DE GESTION

Sector positioning

Debt ratio
23.85 2024
2022
2023
2024
Q1: 0.06
Med: 14.6
Q3: 89.53
Average

In 2024, the debt ratio of ICAUNAISE DE FINANCES ET ... (23.85) 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
18.18% 2024
2022
2023
2024
Q1: 11.56%
Med: 51.97%
Q3: 85.23%
Average

In 2024, the financial autonomy of ICAUNAISE DE FINANCES ET ... (18.2%) 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
5.34 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.2 years
Q3: 3.73 years
Average

In 2024, the repayment capacity of ICAUNAISE DE FINANCES ET ... (5.34) 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 43.89. 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

43.887

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

-191.511

Liquidity indicators evolution
ICAUNAISE DE FINANCES ET DE GESTION

Sector positioning

Liquidity ratio
43.89 2024
2022
2023
2024
Q1: 116.68
Med: 458.4
Q3: 2174.13
Average

In 2024, the liquidity ratio of ICAUNAISE DE FINANCES ET ... (43.89) 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
-191.51x 2024
2022
2023
2024
Q1: -45.52x
Med: 0.0x
Q3: 2.86x
Average -50 pts over 3 years

In 2024, the interest coverage of ICAUNAISE DE FINANCES ET ... (-191.5x) 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: 53 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 316 days. Excellent situation: suppliers finance 263 days of the operating cycle (retail model). WCR is negative (-92 days): operations structurally generate cash. Notable WCR improvement over the period (-481%), freeing up cash.

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

-59 267 €

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

53 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

316 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

-92 j

WCR and payment terms evolution
ICAUNAISE DE FINANCES ET DE GESTION

Positioning of ICAUNAISE DE FINANCES ET DE GESTION in its sector

Comparison with sector Activités des sièges sociaux

Valuation estimate

Based on 103 transactions of similar company sales in 2024, the value of ICAUNAISE DE FINANCES ET DE GESTION is estimated at 255 664 € (range 94 817€ - 652 911€). The price/revenue ratio is 0.38x (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
94k€ 255k€ 652k€
255 664 € Range: 94 817€ - 652 911€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
232 887 € × 0.38x
Estimation 87 942 €
41 916€ - 177 613€
Net Income Multiple 20%
53 350 € × 9.5x
Estimation 507 247 €
174 170€ - 1 365 859€

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 (Activités des sièges sociaux)

Compare ICAUNAISE DE FINANCES ET DE GESTION with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sièges sociaux

Frequently asked questions about ICAUNAISE DE FINANCES ET DE GESTION

What is the revenue of ICAUNAISE DE FINANCES ET DE GESTION ?

The revenue of ICAUNAISE DE FINANCES ET DE GESTION in 2024 is 233 k€.

Is ICAUNAISE DE FINANCES ET DE GESTION profitable?

Yes, ICAUNAISE DE FINANCES ET DE GESTION generated a net profit of 53 k€ in 2024.

Where is the headquarters of ICAUNAISE DE FINANCES ET DE GESTION ?

The headquarters of ICAUNAISE DE FINANCES ET DE GESTION is located in MALAY-LE-GRAND (89100), in the department Yonne.

Where to find the tax return of ICAUNAISE DE FINANCES ET DE GESTION ?

The tax return of ICAUNAISE DE FINANCES ET DE GESTION 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 ICAUNAISE DE FINANCES ET DE GESTION operate?

ICAUNAISE DE FINANCES ET DE GESTION operates in the sector Activités des sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.