SIREN : 431822394
L'ESPINET FINANCES is a French company founded 26 years ago, specialized in the sector Services administratifs combinés de bureau. Based in QUILLAN (11500), this company of category PME shows in 2024 a revenue of 34 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2018 | 2016 |
|---|---|---|---|---|---|---|
| Revenue | 33 704 € | 30 978 € | 42 304 € | 82 415 € | 165 796 € | 106 930 € |
| Net income | -33 086 € | -66 761 € | 2 371 € | 171 478 € | -102 871 € | -61 151 € |
| EBITDA | -85 466 € | -29 403 € | -39 423 € | -30 884 € | -73 882 € | -54 602 € |
| Net margin | -98.2% | -215.5% | 5.6% | 208.1% | -62.0% | -57.2% |
In 2024, L'ESPINET FINANCES achieves revenue of 34 k€. Revenue is declining over the period 2016-2024 (CAGR: -13.4%). Vs 2023: +9%. After deducting consumption (0 €), gross margin stands at 34 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 -85 k€, representing -253.6% of revenue. Warning negative scissor effect: despite revenue change (+9%), EBITDA varies by -191%, reducing margin by 158.7 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -33 k€ (-98.2% of revenue), which will impact equity.
33 704 €
33 704 €
-85 466 €
-115 323 €
-33 086 €
-253.6%
The debt ratio (= Financial debt / Equity x 100) stands at 2%. 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 97%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
1.894%
97.449%
-89.98%
-1.236
69.7%
In 2024, the debt ratio of L'ESPINET FINANCES (1.89) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of L'ESPINET FINANCES (97.5%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2024, the repayment capacity of L'ESPINET FINANCES (-1.24) 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 9065.87. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
9065.873
-0.794
In 2024, the liquidity ratio of L'ESPINET FINANCES (9065.87) 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 L'ESPINET FINANCES (-0.8x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 15 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 39 days. Favorable situation: supplier credit is longer than customer credit by 24 days. Inventory turnover is 7210 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 12322 days of revenue, i.e. 1.2 M€ to permanently finance. Notable WCR improvement over the period (-41%), freeing up cash.
1 153 619 €
15 j
39 j
7210 j
12322 j
Based on 173 transactions of similar company sales (all years), the value of L'ESPINET FINANCES is estimated at 12 955 € (range 5 424€ - 29 264€). The price/revenue ratio is 0.38x (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.
Only this financial indicator is available for this company.
This estimate is based on the analysis of 173 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 L'ESPINET FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Services administratifs combinés de bureau
The revenue of L'ESPINET FINANCES in 2024 is 34 k€.
L'ESPINET FINANCES recorded a net loss in 2024.
The headquarters of L'ESPINET FINANCES is located in QUILLAN (11500), in the department Aude.
The tax return of L'ESPINET 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).
L'ESPINET FINANCES operates in the sector Services administratifs combinés de bureau (NAF code 82.11Z). See the 'Sector positioning' section above to compare the company with its competitors.