SIREN : 488245762
IPSO FINANCES is a French company founded 20 years ago, specialized in the sector Gestion de fonds. Based in MONTBELIARD (25200), this company of category PME shows in 2022 a revenue of 97 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
| Indicator | 2022 | 2021 | 2016 |
|---|---|---|---|
| Revenue | 96 817 € | 1 804 € | N/C |
| Net income | 33 470 € | 326 € | 1 606 € |
| EBITDA | 39 539 € | 384 € | -354 € |
| Net margin | 34.6% | 18.1% | N/C |
In 2022, IPSO FINANCES achieves revenue of 97 k€. Over the period 2021-2022, the company shows strong growth with a CAGR (compound annual growth rate) of +5266.8%. Vs 2021, growth of +5267% (2 k€ -> 97 k€). After deducting consumption (54 k€), gross margin stands at 42 k€, i.e. a rate of 44%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 40 k€, representing 40.8% of revenue. Positive scissor effect: EBITDA margin improves by +19.6 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 33 k€, i.e. 34.6% of revenue. This profit can be retained or distributed to shareholders.
96 817 €
42 478 €
39 539 €
39 540 €
33 470 €
40.8%
The debt ratio (= Financial debt / Equity x 100) stands at 297%. 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 24%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 9.4 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 34.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
296.797%
23.726%
34.57%
9.411
In 2022, the debt ratio of IPSO FINANCES (296.80) 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 2022, the financial autonomy of IPSO FINANCES (23.7%) 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 2022, the repayment capacity of IPSO FINANCES (9.41) 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 1101.82. 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 0.1x. Danger: operating income does not cover interest charges, unsustainable situation.
1101.821
0.099
In 2022, the liquidity ratio of IPSO FINANCES (1101.82) 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 2022, the interest coverage of IPSO FINANCES (0.1x) 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: 321 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 12 days. The gap of 309 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Inventory turnover is 52 days (= Average inventory / Cost of goods x 360). Overall, WCR represents 868 days of revenue, i.e. 234 k€ to permanently finance.
233 556 €
321 j
12 j
52 j
868 j
Based on 109 transactions of similar company sales in 2022, the value of IPSO FINANCES is estimated at 138 110 € (range 71 230€ - 270 428€). With an EBITDA of 39 539€, the sector multiple of 4.2x is applied. The price/revenue ratio is 0.56x (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.
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This estimate is based on the analysis of 109 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 IPSO FINANCES with other companies in the same sector:
The revenue of IPSO FINANCES in 2022 is 97 k€.
Yes, IPSO FINANCES generated a net profit of 33 k€ in 2022.
The headquarters of IPSO FINANCES is located in MONTBELIARD (25200), in the department Doubs.
The tax return of IPSO 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).
IPSO 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.