SIREN : 481315844
LO FINANCE is a French company founded 21 years ago, specialized in the sector Gestion de fonds. Based in VIRE NORMANDIE (14500), this company of category PME shows in 2024 a revenue of 365 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 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 364 922 € | 404 036 € | 379 325 € | 417 100 € | 431 500 € | 405 500 € | 462 875 € | 454 450 € | 388 340 € |
| Net income | -44 399 € | -22 804 € | -62 258 € | 165 005 € | -133 122 € | -346 850 € | -199 278 € | -131 492 € | 314 864 € |
| EBITDA | 58 790 € | 18 696 € | 15 331 € | 46 360 € | 42 972 € | 50 252 € | 51 065 € | 58 009 € | 37 814 € |
| Net margin | -12.2% | -5.6% | -16.4% | 39.6% | -30.9% | -85.5% | -43.1% | -28.9% | 81.1% |
In 2024, LO FINANCE achieves revenue of 365 k€. Activity remains stable over the period (CAGR: -0.8%). Slight decline of -10% vs 2023. After deducting consumption (0 €), gross margin stands at 365 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 59 k€, representing 16.1% of revenue. Positive scissor effect: EBITDA margin improves by +11.5 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Net income is negative at -44 k€ (-12.2% of revenue), which will impact equity.
364 922 €
364 922 €
58 790 €
49 716 €
-44 399 €
16.1%
The debt ratio (= Financial debt / Equity x 100) stands at 3%. 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 94%. 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 10.7 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 3.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
3.32%
94.026%
2.98%
10.702
57.0%
In 2024, the debt ratio of LO FINANCE (3.32) 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 LO FINANCE (94.0%) 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 LO FINANCE (10.70) 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 747.43. 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 91.0x. Operating income very largely covers interest expenses: high safety margin.
747.426
91.038
In 2024, the liquidity ratio of LO FINANCE (747.43) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2024, the interest coverage of LO FINANCE (91.0x) 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: 2 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 53 days. Excellent situation: suppliers finance 51 days of the operating cycle (retail model). WCR is negative (-49 days): operations structurally generate cash. Notable WCR improvement over the period (-105%), freeing up cash.
-49 863 €
2 j
53 j
0 j
-49 j
Based on 62 transactions of similar company sales
in 2024,
the value of LO FINANCE is estimated at
217 944 €
(range 76 383€ - 512 842€).
With an EBITDA of 58 790€, 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 LO FINANCE with other companies in the same sector:
The revenue of LO FINANCE in 2024 is 365 k€.
LO FINANCE recorded a net loss in 2024.
The headquarters of LO FINANCE is located in VIRE NORMANDIE (14500), in the department Calvados.
The tax return of LO 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).
LO FINANCE operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.