MICROFINANCE SOLIDAIRE : revenue, balance sheet and financial ratios

MICROFINANCE SOLIDAIRE is a French company founded 15 years ago, specialized in the sector Autres activités de soutien aux entreprises n.c.a.. Based in LYON (69003), this company of category PME shows in 2020 a revenue of 10 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - MICROFINANCE SOLIDAIRE (SIREN 523994101)
Indicator 2024 2021 2020 2019 2018 2017 2016
Revenue N/C N/C 9 582 € N/C 875 € 3 450 € N/C
Net income -1 260 826 € 65 238 € 55 097 € 60 994 € 114 209 € 50 310 € 330 €
EBITDA -325 749 € -274 949 € -218 473 € -272 393 € -247 807 € -132 989 € -72 097 €
Net margin N/C N/C 575.0% N/C 13052.5% 1458.3% N/C

Revenue and income statement

In 2024, MICROFINANCE SOLIDAIRE records a net loss of 1.3 M€. This deficit will reduce equity on the balance sheet.

EBITDA (2024) ?
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

-325 749 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-209 539 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-1 260 826 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-9307.1%

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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 284%. 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 26%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2910.5 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 78.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

284.21%

Financial autonomy (2024) ?
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

25.8%

Cash flow / Revenue (2024) ?
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

78.171%

Repayment capacity (2024) ?
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

2910.484

Asset age ratio (2024) ?
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

44.3%

Solvency indicators evolution
MICROFINANCE SOLIDAIRE

Sector positioning

Debt ratio
284.21 2024
2020
2021
2024
Q1: 0.0
Med: 5.61
Q3: 47.03
Average

In 2024, the debt ratio of MICROFINANCE SOLIDAIRE (284.21) 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
25.8% 2024
2020
2021
2024
Q1: 6.21%
Med: 32.46%
Q3: 67.88%
Average -6 pts over 3 years

In 2024, the financial autonomy of MICROFINANCE SOLIDAIRE (25.8%) 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
2910.48 years 2024
2020
2021
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 1.29 years
Watch +14 pts over 3 years

In 2024, the repayment capacity of MICROFINANCE SOLIDAIRE (2910.48) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 3276.77. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
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

3276.774

Interest coverage (2024) ?
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

-578.339

Liquidity indicators evolution
MICROFINANCE SOLIDAIRE

Sector positioning

Liquidity ratio
3276.77 2024
2020
2021
2024
Q1: 120.11
Med: 218.14
Q3: 571.7
Excellent

In 2024, the liquidity ratio of MICROFINANCE SOLIDAIRE (3276.77) 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.

Interest coverage
-578.34x 2024
2020
2021
2024
Q1: 0.0x
Med: 0.0x
Q3: 1.61x
Watch

In 2024, the interest coverage of MICROFINANCE SOLIDAIRE (-578.3x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.

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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 17 days. Favorable situation: supplier credit is longer than customer credit by 17 days.

Operating WCR (2024) ?
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

0 €

Customer credit (2024) ?
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

0 j

Supplier credit (2024) ?
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

17 j

Inventory turnover (2024) ?
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 and payment terms evolution
MICROFINANCE SOLIDAIRE

Positioning of MICROFINANCE SOLIDAIRE in its sector

Comparison with sector Autres activités de soutien aux entreprises n.c.a.

Similar companies (Autres activités de soutien aux entreprises n.c.a.)

Compare MICROFINANCE SOLIDAIRE with other companies in the same sector:

Voir toutes les statistiques du secteur Autres activités de soutien aux entreprises n.c.a.

Frequently asked questions about MICROFINANCE SOLIDAIRE

What is the revenue of MICROFINANCE SOLIDAIRE ?

The revenue of MICROFINANCE SOLIDAIRE in 2020 is 10 k€.

Is MICROFINANCE SOLIDAIRE profitable?

MICROFINANCE SOLIDAIRE recorded a net loss in 2024.

Where is the headquarters of MICROFINANCE SOLIDAIRE ?

The headquarters of MICROFINANCE SOLIDAIRE is located in LYON (69003), in the department Rhone.

Where to find the tax return of MICROFINANCE SOLIDAIRE ?

The tax return of MICROFINANCE SOLIDAIRE 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 MICROFINANCE SOLIDAIRE operate?

MICROFINANCE SOLIDAIRE operates in the sector Autres activités de soutien aux entreprises n.c.a. (NAF code 82.99Z). See the 'Sector positioning' section above to compare the company with its competitors.