INVESTIG RECOUVR AMIAB CREANC REUN : revenue, balance sheet and financial ratios

INVESTIG RECOUVR AMIAB CREANC REUN is a French company founded 20 years ago, specialized in the sector Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle. Based in SAINT-ANDRE (97440), this company of category PME shows in 2022 a revenue of 404 k€. 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 - INVESTIG RECOUVR AMIAB CREANC REUN (SIREN 482981362)
Indicator 2022 2021 2020 2019 2018 2017 2016 2015
Revenue 403 617 € 452 426 € 470 213 € N/C 552 195 € 453 019 € 374 363 € 391 270 €
Net income 26 284 € 96 614 € 126 436 € 95 638 € 135 707 € 55 496 € 38 121 € 85 498 €
EBITDA 5 514 € 105 115 € 134 575 € -251 706 € 145 303 € 60 583 € 43 981 € 90 184 €
Net margin 6.5% 21.4% 26.9% N/C 24.6% 12.3% 10.2% 21.9%

Revenue and income statement

In 2022, INVESTIG RECOUVR AMIAB CREANC REUN achieves revenue of 404 k€. Revenue is growing positively over 8 years (CAGR: +0.4%). Significant drop of -11% vs 2021. After deducting consumption (0 €), gross margin stands at 404 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 6 k€, representing 1.4% of revenue. Warning negative scissor effect: despite revenue change (-11%), EBITDA varies by -95%, reducing margin by 21.9 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 26 k€, i.e. 6.5% 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

403 617 €

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

403 617 €

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

5 514 €

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

-2 145 €

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

26 284 €

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

1.3%

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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 0%. 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 28%. The balance between equity and debt is satisfactory. Cash flow represents 7.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

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

0.001%

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

27.693%

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

7.85%

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

0.0

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

19.2%

Solvency indicators evolution
INVESTIG RECOUVR AMIAB CREANC REUN

Sector positioning

Debt ratio
0.0 2022
2020
2021
2022
Q1: 0.0
Med: 0.73
Q3: 41.16
Excellent

In 2022, the debt ratio of INVESTIG RECOUVR AMIAB CR... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
27.69% 2022
2020
2021
2022
Q1: 2.31%
Med: 28.88%
Q3: 51.4%
Average -18 pts over 3 years

In 2022, the financial autonomy of INVESTIG RECOUVR AMIAB CR... (27.7%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
0.0 years 2022
2020
2021
2022
Q1: 0.0 years
Med: 0.0 years
Q3: 1.27 years
Excellent -25 pts over 3 years

In 2022, the repayment capacity of INVESTIG RECOUVR AMIAB CR... (0.00) 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 134.53. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

134.532

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

0.0

Liquidity indicators evolution
INVESTIG RECOUVR AMIAB CREANC REUN

Sector positioning

Liquidity ratio
134.53 2022
2020
2021
2022
Q1: 123.06
Med: 206.09
Q3: 292.39
Average -20 pts over 3 years

In 2022, the liquidity ratio of INVESTIG RECOUVR AMIAB CR... (134.53) 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
0.0x 2022
2020
2021
2022
Q1: 0.0x
Med: 0.0x
Q3: 0.82x
Average -25 pts over 3 years

In 2022, the interest coverage of INVESTIG RECOUVR AMIAB CR... (0.0x) 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: 27 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 25 days. The company must finance 2 days of gap between collections and payments. WCR is negative (-311 days): operations structurally generate cash. Notable WCR improvement over the period (-146%), freeing up cash.

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

-348 406 €

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

27 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

25 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

-311 j

WCR and payment terms evolution
INVESTIG RECOUVR AMIAB CREANC REUN

Positioning of INVESTIG RECOUVR AMIAB CREANC REUN in its sector

Comparison with sector Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle

Valuation estimate

Based on 158 transactions of similar company sales (all years), the value of INVESTIG RECOUVR AMIAB CREANC REUN is estimated at 69 558 € (range 30 140€ - 144 430€). With an EBITDA of 5 514€, the sector multiple of 3.3x is applied. The price/revenue ratio is 0.36x (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
158 transactions
30k€ 69k€ 144k€
69 558 € Range: 30 140€ - 144 430€
NAF 4 all-time Aggregated at NAF sub-class level

Valuation detail by method

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EBITDA Multiple 50%
5 514 € × 3.3x
Estimation 18 388 €
5 950€ - 43 616€
Revenue Multiple 30%
403 617 € × 0.36x
Estimation 143 845 €
75 187€ - 269 565€
Net Income Multiple 20%
26 284 € × 3.3x
Estimation 86 057 €
23 047€ - 208 764€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 158 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 agences de recouvrement de factures et des sociétés d'information financière sur la clientèle)

Compare INVESTIG RECOUVR AMIAB CREANC REUN with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle

Frequently asked questions about INVESTIG RECOUVR AMIAB CREANC REUN

What is the revenue of INVESTIG RECOUVR AMIAB CREANC REUN ?

The revenue of INVESTIG RECOUVR AMIAB CREANC REUN in 2022 is 404 k€.

Is INVESTIG RECOUVR AMIAB CREANC REUN profitable?

Yes, INVESTIG RECOUVR AMIAB CREANC REUN generated a net profit of 26 k€ in 2022.

Where is the headquarters of INVESTIG RECOUVR AMIAB CREANC REUN ?

The headquarters of INVESTIG RECOUVR AMIAB CREANC REUN is located in SAINT-ANDRE (97440), in the department La Reunion.

Where to find the tax return of INVESTIG RECOUVR AMIAB CREANC REUN ?

The tax return of INVESTIG RECOUVR AMIAB CREANC REUN 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 INVESTIG RECOUVR AMIAB CREANC REUN operate?

INVESTIG RECOUVR AMIAB CREANC REUN operates in the sector Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle (NAF code 82.91Z). See the 'Sector positioning' section above to compare the company with its competitors.