SIREN : 441572013
LUCY FINANCE is a French company founded 24 years ago, specialized in the sector Conseil pour les affaires et autres conseils de gestion. Based in PARIS (75003), this company of category PME shows in 2024 a revenue of 519 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-11
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 518 948 € | 557 935 € | 671 625 € | 773 192 € | 836 466 € | 845 193 € | 957 427 € | 965 129 € |
| Net income | 95 556 € | 136 417 € | 175 347 € | 224 052 € | 114 363 € | 59 344 € | 34 402 € | 59 367 € |
| EBITDA | 115 453 € | 174 283 € | 232 352 € | 303 841 € | 195 239 € | 76 629 € | 41 604 € | 97 823 € |
| Net margin | 18.4% | 24.5% | 26.1% | 29.0% | 13.7% | 7.0% | 3.6% | 6.2% |
In 2024, LUCY FINANCE achieves revenue of 519 k€. Revenue is declining over the period 2016-2024 (CAGR: -7.5%). Slight decline of -7% vs 2023. After deducting consumption (0 €), gross margin stands at 519 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 115 k€, representing 22.2% of revenue. Warning negative scissor effect: despite revenue change (-7%), EBITDA varies by -34%, reducing margin by 9.0 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 96 k€, i.e. 18.4% of revenue. This profit can be retained or distributed to shareholders.
518 948 €
518 948 €
115 453 €
117 025 €
95 556 €
22.2%
The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 83%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 18.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.0%
82.643%
18.491%
0.0
31.3%
In 2024, the debt ratio of LUCY FINANCE (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
In 2024, the financial autonomy of LUCY FINANCE (82.6%) 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 LUCY FINANCE (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 542.37. 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 0.0x. Danger: operating income does not cover interest charges, unsustainable situation.
542.373
0.004
In 2024, the liquidity ratio of LUCY FINANCE (542.37) 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 LUCY FINANCE (0.0x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 38 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 58 days. Favorable situation: supplier credit is longer than customer credit by 20 days. Overall, WCR represents 25 days of revenue, i.e. 36 k€ to permanently finance. Notable WCR improvement over the period (-64%), freeing up cash.
35 973 €
38 j
58 j
0 j
25 j
Based on 69 transactions of similar company sales
in 2024,
the value of LUCY FINANCE is estimated at
480 754 €
(range 158 545€ - 838 313€).
With an EBITDA of 115 453€, the sector multiple of 4.3x is applied.
The price/revenue ratio is 0.66x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 69 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 LUCY FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Conseil pour les affaires et autres conseils de gestion
The revenue of LUCY FINANCE in 2024 is 519 k€.
Yes, LUCY FINANCE generated a net profit of 96 k€ in 2024.
The headquarters of LUCY FINANCE is located in PARIS (75003), in the department Paris.
The tax return of LUCY 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).
LUCY FINANCE operates in the sector Conseil pour les affaires et autres conseils de gestion (NAF code 70.22Z). See the 'Sector positioning' section above to compare the company with its competitors.