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INVEST PAPIC : revenue, balance sheet and financial ratios

INVEST PAPIC is a French company founded 6 years ago, specialized in the sector Gestion de fonds. Based in CONCARNEAU (29900), this company of category PME shows in 2023 a revenue of 932 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

Financial history - INVEST PAPIC (SIREN 879972925)
Indicator 2025 2024 2023 2022 2021
Revenue N/C N/C 932 067 € N/C N/C
Net income 290 957 € 174 095 € 205 036 € 190 564 € 138 321 €
EBITDA N/C N/C 284 644 € N/C N/C
Net margin N/C N/C 22.0% N/C N/C

Revenue and income statement

In 2025, INVEST PAPIC generates positive net income of 291 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2021-2025: 138 k€ -> 291 k€.

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

290 957 €

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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 1%. 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 96%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

1.109%

Financial autonomy (2025) ?
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

96.216%

Solvency indicators evolution
INVEST PAPIC

Sector positioning

Debt ratio
1.11 2025
2023
2024
2025
Q1: 0.0
Med: 11.05
Q3: 95.39
Good -36 pts over 3 years

In 2025, the debt ratio of INVEST PAPIC (1.11) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
96.22% 2025
2023
2024
2025
Q1: 9.39%
Med: 52.08%
Q3: 89.29%
Excellent +20 pts over 3 years

In 2025, the financial autonomy of INVEST PAPIC (96.2%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
1.18 years 2023
2023
Q1: -0.04 years
Med: 0.0 years
Q3: 3.17 years
Average

In 2023, the repayment capacity of INVEST PAPIC (1.18) 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 3680.76. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
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

3680.763

Liquidity indicators evolution
INVEST PAPIC

Sector positioning

Liquidity ratio
3680.76 2025
2023
2024
2025
Q1: 117.65
Med: 590.18
Q3: 4189.62
Good +26 pts over 3 years

In 2025, the liquidity ratio of INVEST PAPIC (3680.76) 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
1.34x 2023
2023
Q1: -59.6x
Med: 0.0x
Q3: 0.0x
Excellent

In 2023, the interest coverage of INVEST PAPIC (1.3x) 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.

Operating WCR (2025) ?
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

0 €

Customer credit (2025) ?
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

0 j

Supplier credit (2025) ?
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

0 j

Inventory turnover (2025) ?
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 and payment terms evolution
INVEST PAPIC

Positioning of INVEST PAPIC in its sector

Comparison with sector Gestion de fonds

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (40 transactions). This range of 377 763€ to 2 177 057€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2025
Indicative
377k€ 745k€ 2177k€
745 132 € Range: 377 763€ - 2 177 057€
NAF 5 année 2025

Valuation evolution

How is this estimate calculated?

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.

  • 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 (Gestion de fonds)

Compare INVEST PAPIC with other companies in the same sector:

Frequently asked questions about INVEST PAPIC

What is the revenue of INVEST PAPIC ?

The revenue of INVEST PAPIC in 2023 is 932 k€.

Is INVEST PAPIC profitable?

Yes, INVEST PAPIC generated a net profit of 291 k€ in 2025.

Where is the headquarters of INVEST PAPIC ?

The headquarters of INVEST PAPIC is located in CONCARNEAU (29900), in the department Finistere.

Where to find the tax return of INVEST PAPIC ?

The tax return of INVEST PAPIC 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 INVEST PAPIC operate?

INVEST PAPIC operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.