SIREN : 521941781
ISL FINANCE is a French company founded 16 years ago, specialized in the sector Activités des sociétés holding. Based in BERGERAC (24100), this company of category PME shows in 2024 a revenue of 216 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 |
|---|---|
| Revenue | 215 928 € |
| Net income | 122 628 € |
| EBITDA | 35 220 € |
| Net margin | 56.8% |
In 2024, ISL FINANCE achieves revenue of 216 k€. After deducting consumption (0 €), gross margin stands at 216 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 35 k€, representing 16.3% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 123 k€, i.e. 56.8% of revenue. This profit can be retained or distributed to shareholders.
215 928 €
215 928 €
35 220 €
35 378 €
122 628 €
16.3%
The debt ratio (= Financial debt / Equity x 100) stands at 11%. 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 88%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 56.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
11.351%
88.284%
56.701%
1.314
10.7%
In 2024, the debt ratio of ISL FINANCE (11.35) 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 2024, the financial autonomy of ISL FINANCE (88.3%) 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.
In 2024, the repayment capacity of ISL FINANCE (1.31) 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 4222.55. 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 0.8x. Danger: operating income does not cover interest charges, unsustainable situation.
4222.549
0.801
In 2024, the liquidity ratio of ISL FINANCE (4222.55) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2024, the interest coverage of ISL FINANCE (0.8x) 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: 31 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 17 days. The company must finance 14 days of gap between collections and payments. Overall, WCR represents 530 days of revenue, i.e. 318 k€ to permanently finance.
317 753 €
31 j
17 j
0 j
530 j
Based on 54 transactions of similar company sales
in 2024,
the value of ISL FINANCE is estimated at
159 105 €
(range 60 979€ - 375 263€).
With an EBITDA of 35 220€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.59x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 54 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 ISL FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of ISL FINANCE in 2024 is 216 k€.
Yes, ISL FINANCE generated a net profit of 123 k€ in 2024.
The headquarters of ISL FINANCE is located in BERGERAC (24100), in the department Dordogne.
The tax return of ISL 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).
ISL FINANCE operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.