SIREN : 809639537
LA FINANCIAL is a French company founded 11 years ago, specialized in the sector Gestion de fonds. Based in LILLE (59000), this company of category PME shows in 2019 a revenue of 52 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
| Indicator | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|
| Revenue | 52 210 € | 56 135 € | 57 289 € | 59 897 € |
| Net income | 31 982 € | 35 311 € | -8 262 € | 17 100 € |
| EBITDA | 27 049 € | 12 737 € | 2 403 € | 18 201 € |
| Net margin | 61.3% | 62.9% | -14.4% | 28.5% |
In 2019, LA FINANCIAL achieves revenue of 52 k€. Activity remains stable over the period (CAGR: -4.5%). Slight decline of -7% vs 2018. After deducting consumption (0 €), gross margin stands at 52 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 27 k€, representing 51.8% of revenue. Positive scissor effect: EBITDA margin improves by +29.1 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 32 k€, i.e. 61.3% of revenue. This profit can be retained or distributed to shareholders.
52 210 €
52 210 €
27 049 €
15 189 €
31 982 €
51.8%
The debt ratio (= Financial debt / Equity x 100) stands at 102%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 47%. 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 2.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 84.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
101.64%
46.782%
83.988%
2.613
88.0%
In 2019, the debt ratio of LA FINANCIAL (101.64) 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 2019, the financial autonomy of LA FINANCIAL (46.8%) 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 2019, the repayment capacity of LA FINANCIAL (2.61) 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 98.26. 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 9.9x. Operating income very largely covers interest expenses: high safety margin.
98.259
9.886
In 2019, the liquidity ratio of LA FINANCIAL (98.26) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.
In 2019, the interest coverage of LA FINANCIAL (9.9x) 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: 1 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 573 days. Excellent situation: suppliers finance 572 days of the operating cycle (retail model). WCR is negative (-1007 days): operations structurally generate cash. Notable WCR improvement over the period (-319%), freeing up cash.
-145 993 €
1 j
573 j
0 j
-1007 j
Based on 61 transactions of similar company sales
in 2019,
the value of LA FINANCIAL is estimated at
114 979 €
(range 52 050€ - 204 542€).
With an EBITDA of 27 049€, the sector multiple of 3.4x is applied.
The price/revenue ratio is 0.46x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
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This estimate is based on the analysis of 61 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 LA FINANCIAL with other companies in the same sector:
The revenue of LA FINANCIAL in 2019 is 52 k€.
Yes, LA FINANCIAL generated a net profit of 32 k€ in 2019.
The headquarters of LA FINANCIAL is located in LILLE (59000), in the department Nord.
The tax return of LA FINANCIAL 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).
LA FINANCIAL operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.