INVESTISSEMENTS ET FINANCE : revenue, balance sheet and financial ratios

INVESTISSEMENTS ET FINANCE is a French company founded 36 years ago, specialized in the sector Fonds de placement et entités financières similaires. Based in NEUILLY-SUR-SEINE (92200), this company of category PME shows in 2018 a revenue of 50 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 - INVESTISSEMENTS ET FINANCE (SIREN 352405799)
Indicator 2018 2017 2016
Revenue 50 154 € 73 091 € 74 992 €
Net income 655 434 € -47 903 € -66 791 €
EBITDA -181 753 € -78 541 € -68 066 €
Net margin 1306.8% -65.5% -89.1%

Revenue and income statement

In 2018, INVESTISSEMENTS ET FINANCE achieves revenue of 50 k€. Revenue is declining over the period 2016-2018 (CAGR: -18.2%). Significant drop of -31% vs 2017. After deducting consumption (2 k€), gross margin stands at 48 k€, i.e. a rate of 96%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -182 k€, representing -362.4% of revenue. Warning negative scissor effect: despite revenue change (-31%), EBITDA varies by -131%, reducing margin by 254.9 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 655 k€, i.e. 1306.8% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2018) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

50 154 €

Gross margin (2018) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

48 122 €

EBITDA (2018) ?
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

-181 753 €

EBIT (2018) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-191 775 €

Net income (2018) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

655 434 €

EBITDA margin (2018) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-362.4%

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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 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 80%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2018) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.475%

Financial autonomy (2018) ?
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

79.783%

Cash flow / Revenue (2018) ?
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

-763.714%

Repayment capacity (2018) ?
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

-0.017

Solvency indicators evolution
INVESTISSEMENTS ET FINANCE

Sector positioning

Debt ratio
0.47 2018
2016
2017
2018
Q1: 0.0
Med: 9.68
Q3: 69.31
Good -33 pts over 3 years

In 2018, the debt ratio of INVESTISSEMENTS ET FINANCE (0.47) 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
79.78% 2018
2016
2017
2018
Q1: 16.73%
Med: 60.92%
Q3: 90.64%
Good +10 pts over 3 years

In 2018, the financial autonomy of INVESTISSEMENTS ET FINANCE (79.8%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
-0.02 years 2018
2016
2017
2018
Q1: 0.0 years
Med: 0.01 years
Q3: 3.23 years
Excellent

In 2018, the repayment capacity of INVESTISSEMENTS ET FINANCE (-0.02) 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 495.94. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2018) ?
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

495.942

Interest coverage (2018) ?
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

-5.387

Liquidity indicators evolution
INVESTISSEMENTS ET FINANCE

Sector positioning

Liquidity ratio
495.94 2018
2016
2017
2018
Q1: 96.2
Med: 435.9
Q3: 2617.52
Good

In 2018, the liquidity ratio of INVESTISSEMENTS ET FINANCE (495.94) 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
-5.39x 2018
2016
2017
2018
Q1: -71.83x
Med: 0.0x
Q3: 0.0x
Average

In 2018, the interest coverage of INVESTISSEMENTS ET FINANCE (-5.4x) 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: 161 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 235 days. Excellent situation: suppliers finance 74 days of the operating cycle (retail model). Inventory turnover is 492 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 2952 days of revenue, i.e. 411 k€ to permanently finance.

Operating WCR (2018) ?
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

411 321 €

Customer credit (2018) ?
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

161 j

Supplier credit (2018) ?
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

235 j

Inventory turnover (2018) ?
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

492 j

WCR in days of revenue (2018) ?
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

2952 j

WCR and payment terms evolution
INVESTISSEMENTS ET FINANCE

Positioning of INVESTISSEMENTS ET FINANCE in its sector

Comparison with sector Fonds de placement et entités financières similaires

Valuation estimate

Based on 170 transactions of similar company sales (all years), the value of INVESTISSEMENTS ET FINANCE is estimated at 2 739 240 € (range 1 698 965€ - 4 252 129€). The price/revenue ratio is 0.71x (in line with sector norms). 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 2018
170 transactions
1698k€ 2739k€ 4252k€
2 739 240 € Range: 1 698 965€ - 4 252 129€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
50 154 € × 0.71x
Estimation 35 564 €
23 770€ - 41 560€
Net Income Multiple 20%
655 434 € × 10.4x
Estimation 6 794 754 €
4 211 759€ - 10 567 982€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 170 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 (Fonds de placement et entités financières similaires)

Compare INVESTISSEMENTS ET FINANCE with other companies in the same sector:

Voir toutes les statistiques du secteur Fonds de placement et entités financières similaires

Frequently asked questions about INVESTISSEMENTS ET FINANCE

What is the revenue of INVESTISSEMENTS ET FINANCE ?

The revenue of INVESTISSEMENTS ET FINANCE in 2018 is 50 k€.

Is INVESTISSEMENTS ET FINANCE profitable?

Yes, INVESTISSEMENTS ET FINANCE generated a net profit of 655 k€ in 2018.

Where is the headquarters of INVESTISSEMENTS ET FINANCE ?

The headquarters of INVESTISSEMENTS ET FINANCE is located in NEUILLY-SUR-SEINE (92200), in the department Hauts-de-Seine.

Where to find the tax return of INVESTISSEMENTS ET FINANCE ?

The tax return of INVESTISSEMENTS ET FINANCE 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 INVESTISSEMENTS ET FINANCE operate?

INVESTISSEMENTS ET FINANCE operates in the sector Fonds de placement et entités financières similaires (NAF code 64.30Z). See the 'Sector positioning' section above to compare the company with its competitors.