SIREN : 884062399
LIFE INVEST is a French company founded 5 years ago, specialized in the sector Gestion de fonds. Based in SAINT-ETIENNE (42000), this company of category PME shows in 2024 a revenue of 142 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 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Revenue | 142 000 € | 75 100 € | 225 387 € | 205 000 € |
| Net income | 947 € | 101 € | 2 568 € | 2 604 € |
| EBITDA | 112 403 € | 64 828 € | 218 735 € | 176 039 € |
| Net margin | 0.7% | 0.1% | 1.1% | 1.3% |
In 2024, LIFE INVEST achieves revenue of 142 k€. Revenue is declining over the period 2021-2024 (CAGR: -11.5%). Vs 2023, growth of +89% (75 k€ -> 142 k€). After deducting consumption (0 €), gross margin stands at 142 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 112 k€, representing 79.2% of revenue. Warning negative scissor effect: despite revenue change (+89%), EBITDA varies by +73%, reducing margin by 7.2 pts. This reflects costs rising faster than 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 947 €, i.e. 0.7% of revenue. This profit can be retained or distributed to shareholders.
142 000 €
142 000 €
112 403 €
112 388 €
947 €
79.2%
The debt ratio (= Financial debt / Equity x 100) stands at 50257%. 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 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 3831.7 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 0.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
50257.41%
0.196%
0.667%
3831.663
In 2024, the debt ratio of LIFE INVEST (50257.41) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2024, the financial autonomy of LIFE INVEST (0.2%) 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 2024, the repayment capacity of LIFE INVEST (3831.66) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.
The liquidity ratio (= Current assets / Current liabilities) stands at 7453.13. 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 175.7x. Operating income very largely covers interest expenses: high safety margin.
7453.13
175.669
In 2024, the liquidity ratio of LIFE INVEST (7453.13) 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 LIFE INVEST (175.7x) 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: 435 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 157 days. The gap of 278 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 9148 days of revenue, i.e. 3.6 M€ to permanently finance. Over 2021-2024, WCR increased by +136%, requiring additional financing.
3 608 221 €
435 j
157 j
0 j
9148 j
Based on 62 transactions of similar company sales
in 2024,
the value of LIFE INVEST is estimated at
284 007 €
(range 90 970€ - 645 886€).
With an EBITDA of 112 403€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.30x
(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 62 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 LIFE INVEST with other companies in the same sector:
The revenue of LIFE INVEST in 2024 is 142 k€.
Yes, LIFE INVEST generated a net profit of 947€ in 2024.
The headquarters of LIFE INVEST is located in SAINT-ETIENNE (42000), in the department Loire.
The tax return of LIFE INVEST 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).
LIFE INVEST operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.