SIREN : 479538266
LUXIOR FINANCES is a French company founded 21 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BREST (29200), this company of category PME shows in 2017 a revenue of 393 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 | 2017 | 2016 |
|---|---|---|
| Revenue | 393 082 € | 382 438 € |
| Net income | 424 376 € | -508 430 € |
| EBITDA | 131 434 € | 152 812 € |
| Net margin | 108.0% | -132.9% |
In 2017, LUXIOR FINANCES achieves revenue of 393 k€. Vs 2016: +3%. After deducting consumption (0 €), gross margin stands at 393 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 131 k€, representing 33.4% of revenue. Warning negative scissor effect: despite revenue change (+3%), EBITDA varies by -14%, reducing margin by 6.5 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 424 k€, i.e. 108.0% of revenue. This profit can be retained or distributed to shareholders.
393 082 €
393 082 €
131 434 €
131 312 €
424 376 €
33.3%
The debt ratio (= Financial debt / Equity x 100) stands at 101%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 46%. 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 10.3 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 24.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
100.618%
45.975%
24.833%
10.253
8.6%
In 2017, the debt ratio of LUXIOR FINANCES (100.62) 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 2017, the financial autonomy of LUXIOR FINANCES (46.0%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
In 2017, the repayment capacity of LUXIOR FINANCES (10.25) 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 179.45. 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 3.1x. Financial charges are adequately covered by operations.
179.45
3.1
In 2017, the liquidity ratio of LUXIOR FINANCES (179.45) 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 2017, the interest coverage of LUXIOR FINANCES (3.1x) 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: 122 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 305 days. Excellent situation: suppliers finance 183 days of the operating cycle (retail model). Overall, WCR represents 131 days of revenue, i.e. 143 k€ to permanently finance.
142 740 €
122 j
305 j
0 j
131 j
Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 156 389€ to 1 292 205€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 20 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 LUXIOR FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of LUXIOR FINANCES in 2017 is 393 k€.
Yes, LUXIOR FINANCES generated a net profit of 424 k€ in 2017.
The headquarters of LUXIOR FINANCES is located in BREST (29200), in the department Finistere.
The tax return of LUXIOR 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).
LUXIOR FINANCES operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.