SIREN : 982048704
IGA FINANCES is a French company founded 2 years ago, specialized in the sector Gestion de fonds. Based in DOUVRES-LA-DELIVRANDE (14440), this company of category PME shows in 2025 a revenue of 230 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2025 | 2024 |
|---|---|---|
| Revenue | 230 126 € | 147 268 € |
| Net income | 438 304 € | -39 042 € |
| EBITDA | 745 € | 1 942 € |
| Net margin | 190.5% | -26.5% |
In 2025, IGA FINANCES achieves revenue of 230 k€. Vs 2024, growth of +56% (147 k€ -> 230 k€). After deducting consumption (0 €), gross margin stands at 230 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 745 €, representing 0.3% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 438 k€, i.e. 190.5% of revenue. This profit can be retained or distributed to shareholders.
230 126 €
230 126 €
745 €
358 €
438 304 €
0.3%
The debt ratio (= Financial debt / Equity x 100) stands at 754%. 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 12%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 9.5 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 192.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
754.478%
11.663%
192.679%
9.471
In 2025, the debt ratio of IGA FINANCES (754.48) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2025, the financial autonomy of IGA FINANCES (11.7%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2025, the repayment capacity of IGA FINANCES (9.47) 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 1501.66. 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 35256.2x. Operating income very largely covers interest expenses: high safety margin.
1501.659
35256.242
In 2025, the liquidity ratio of IGA FINANCES (1501.66) 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.
In 2025, the interest coverage of IGA FINANCES (35256.2x) 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: 20 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 61 days. Excellent situation: suppliers finance 41 days of the operating cycle (retail model). Overall, WCR represents 52 days of revenue, i.e. 33 k€ to permanently finance.
33 472 €
20 j
61 j
0 j
52 j
Indicative estimate only : the number of comparable transactions in this sector is limited (40 transactions). This range of 123 113€ to 781 799€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 40 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 IGA FINANCES with other companies in the same sector:
The revenue of IGA FINANCES in 2025 is 230 k€.
Yes, IGA FINANCES generated a net profit of 438 k€ in 2025.
The headquarters of IGA FINANCES is located in DOUVRES-LA-DELIVRANDE (14440), in the department Calvados.
The tax return of IGA 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).
IGA FINANCES operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.