SIREN : 493200927
LE FINO is a French company founded 19 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in AJACCIO (20090), this company of category PME shows in 2016 a revenue of 36 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 | 2016 | 2015 | 2014 |
|---|---|---|---|
| Revenue | 36 099 € | 313 383 € | 60 000 € |
| Net income | 36 € | -12 073 € | -45 450 € |
| EBITDA | 6 043 € | 26 614 € | -12 016 € |
| Net margin | 0.1% | -3.9% | -75.8% |
In 2016, LE FINO achieves revenue of 36 k€. Revenue is declining over the period 2014-2016 (CAGR: -22.4%). Significant drop of -88% vs 2015. After deducting consumption (0 €), gross margin stands at 36 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 16.7% of revenue. Positive scissor effect: EBITDA margin improves by +8.2 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 36 €, i.e. 0.1% of revenue. This profit can be retained or distributed to shareholders.
36 099 €
36 099 €
6 043 €
9 525 €
36 €
16.7%
The debt ratio (= Financial debt / Equity x 100) stands at 299%. 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 19%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 2.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
299.297%
18.667%
2.493%
0.0
7.1%
In 2016, the debt ratio of LE FINO (299.30) 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 2016, the financial autonomy of LE FINO (18.7%) 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 2016, the repayment capacity of LE FINO (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.
The liquidity ratio (= Current assets / Current liabilities) stands at 120.44. 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 406.9x. Operating income very largely covers interest expenses: high safety margin.
120.439
406.95
In 2016, the liquidity ratio of LE FINO (120.44) 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.
In 2016, the interest coverage of LE FINO (406.9x) 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: 165 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 2605 days. Excellent situation: suppliers finance 2440 days of the operating cycle (retail model). Inventory turnover is 26631 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 1191 days of revenue, i.e. 119 k€ to permanently finance. Notable WCR improvement over the period (-89%), freeing up cash.
119 475 €
165 j
2605 j
26631 j
1191 j
Based on 1762 transactions of similar company sales (all years), the value of LE FINO is estimated at 21 144 € (range 7 778€ - 43 601€). With an EBITDA of 6 043€, the sector multiple of 4.7x is applied. The price/revenue ratio is 0.65x (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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 1762 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 LE FINO with other companies in the same sector:
Voir toutes les statistiques du secteur Location de terrains et d'autres biens immobiliers
The revenue of LE FINO in 2016 is 36 k€.
Yes, LE FINO generated a net profit of 36€ in 2016.
The headquarters of LE FINO is located in AJACCIO (20090).
The tax return of LE FINO 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).
LE FINO operates in the sector Location de terrains et d'autres biens immobiliers (NAF code 68.20B). See the 'Sector positioning' section above to compare the company with its competitors.