LYONNAISE DE COURTAGE ET DE FINANCEMENT : revenue, balance sheet and financial ratios

LYONNAISE DE COURTAGE ET DE FINANCEMENT is a French company founded 16 years ago, specialized in the sector Autre distribution de crédit. Based in ECULLY (69130), this company of category PME shows in 2023 a revenue of 647 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

Financial history - LYONNAISE DE COURTAGE ET DE FINANCEMENT (SIREN 515376259)
Indicator 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 647 107 € 545 377 € 499 672 € 471 175 € 541 447 € 531 133 € 564 515 € 336 675 €
Net income 10 264 € 2 194 € 3 822 € 1 064 € 31 823 € 36 357 € 37 100 € 1 808 €
EBITDA 65 518 € 44 902 € 42 582 € 28 237 € 52 132 € 53 528 € 72 183 € 7 031 €
Net margin 1.6% 0.4% 0.8% 0.2% 5.9% 6.8% 6.6% 0.5%

Revenue and income statement

In 2023, LYONNAISE DE COURTAGE ET DE FINANCEMENT achieves revenue of 647 k€. Over the period 2016-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +9.8%. Vs 2022, growth of +19% (545 k€ -> 647 k€). After deducting consumption (0 €), gross margin stands at 647 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 66 k€, representing 10.1% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 10 k€, i.e. 1.6% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

647 107 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

647 107 €

EBITDA (2023) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

65 518 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

15 233 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

10 264 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

10.1%

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 42%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 45%. 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 6.6 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 1.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

41.524%

Financial autonomy (2023) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

44.734%

Cash flow / Revenue (2023) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

0.982%

Repayment capacity (2023) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

6.623

Asset age ratio (2023) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

18.4%

Solvency indicators evolution
LYONNAISE DE COURTAGE ET DE FINANCEMENT

Sector positioning

Debt ratio
41.52 2023
2021
2022
2023
Q1: 0.0
Med: 16.65
Q3: 102.7
Average -18 pts over 3 years

In 2023, the debt ratio of LYONNAISE DE COURTAGE ET ... (41.52) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
44.73% 2023
2021
2022
2023
Q1: 10.98%
Med: 45.7%
Q3: 82.3%
Average +11 pts over 3 years

In 2023, the financial autonomy of LYONNAISE DE COURTAGE ET ... (44.7%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
6.62 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.0 years
Q3: 2.38 years
Average +52 pts over 3 years

In 2023, the repayment capacity of LYONNAISE DE COURTAGE ET ... (6.62) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 234.81. 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 0.2x. Danger: operating income does not cover interest charges, unsustainable situation.

Liquidity ratio (2023) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

234.809

Interest coverage (2023) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

0.185

Liquidity indicators evolution
LYONNAISE DE COURTAGE ET DE FINANCEMENT

Sector positioning

Liquidity ratio
234.81 2023
2021
2022
2023
Q1: 138.43
Med: 387.45
Q3: 1020.67
Average -12 pts over 3 years

In 2023, the liquidity ratio of LYONNAISE DE COURTAGE ET ... (234.81) 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.

Interest coverage
0.18x 2023
2021
2022
2023
Q1: -1.38x
Med: 0.0x
Q3: 0.35x
Good -12 pts over 3 years

In 2023, the interest coverage of LYONNAISE DE COURTAGE ET ... (0.2x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 22 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 45 days. Favorable situation: supplier credit is longer than customer credit by 23 days. WCR is negative (-1 days): operations structurally generate cash. Notable WCR improvement over the period (-102%), freeing up cash.

Operating WCR (2023) ?
Operating WCR
Definition
Financing requirement generated by the operating cycle (inventory + receivables - trade payables).
Formula
Inventory + Customer receivables - Trade payables
Interpretation
Negative = cash released
Positive = financing needed

-977 €

Customer credit (2023) ?
Customer credit (days)
Definition
Average payment term granted to customers.
Formula
(Customer receivables / Revenue incl. VAT) x 360
Interpretation
< 45j : Good
45-60j : Average
> 60j : Long

22 j

Supplier credit (2023) ?
Supplier credit (days)
Definition
Average payment term obtained from suppliers.
Formula
(Trade payables / Purchases incl. VAT) x 360
Interpretation
The longer the term, the better for cash flow

45 j

Inventory turnover (2023) ?
Inventory turnover (days)
Definition
Average storage duration for goods or materials.
Formula
(Inventory / Cost of goods) x 360
Interpretation
The lower the ratio, the faster the turnover

0 j

WCR in days of revenue (2023) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

-1 j

WCR and payment terms evolution
LYONNAISE DE COURTAGE ET DE FINANCEMENT

Positioning of LYONNAISE DE COURTAGE ET DE FINANCEMENT in its sector

Comparison with sector Autre distribution de crédit

Valuation estimate

Based on 135 transactions of similar company sales (all years), the value of LYONNAISE DE COURTAGE ET DE FINANCEMENT is estimated at 34 386 € (range 27 031€ - 140 598€). With an EBITDA of 65 518€, the sector multiple of 0.3x is applied. The price/revenue ratio is 0.11x (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.

Estimated enterprise value 2023
135 transactions
27k€ 34k€ 140k€
34 386 € Range: 27 031€ - 140 598€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
65 518 € × 0.3x
Estimation 22 890 €
15 843€ - 173 293€
Revenue Multiple 30%
647 107 € × 0.11x
Estimation 73 806 €
61 165€ - 147 827€
Net Income Multiple 20%
10 264 € × 0.4x
Estimation 3 998 €
3 802€ - 48 018€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 135 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Autre distribution de crédit)

Compare LYONNAISE DE COURTAGE ET DE FINANCEMENT with other companies in the same sector:

Voir toutes les statistiques du secteur Autre distribution de crédit

Frequently asked questions about LYONNAISE DE COURTAGE ET DE FINANCEMENT

What is the revenue of LYONNAISE DE COURTAGE ET DE FINANCEMENT ?

The revenue of LYONNAISE DE COURTAGE ET DE FINANCEMENT in 2023 is 647 k€.

Is LYONNAISE DE COURTAGE ET DE FINANCEMENT profitable?

Yes, LYONNAISE DE COURTAGE ET DE FINANCEMENT generated a net profit of 10 k€ in 2023.

Where is the headquarters of LYONNAISE DE COURTAGE ET DE FINANCEMENT ?

The headquarters of LYONNAISE DE COURTAGE ET DE FINANCEMENT is located in ECULLY (69130), in the department Rhone.

Where to find the tax return of LYONNAISE DE COURTAGE ET DE FINANCEMENT ?

The tax return of LYONNAISE DE COURTAGE ET DE FINANCEMENT 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).

In which sector does LYONNAISE DE COURTAGE ET DE FINANCEMENT operate?

LYONNAISE DE COURTAGE ET DE FINANCEMENT operates in the sector Autre distribution de crédit (NAF code 64.92Z). See the 'Sector positioning' section above to compare the company with its competitors.