SIREN : 750924359
NDFI CREDIT is a French company founded 14 years ago, specialized in the sector Courtage de valeurs mobilières et de marchandises. Based in LILLE (59800), this company of category GE shows in 2024 a revenue of 1.7 M€. 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1 688 437 € | 1 301 591 € | 2 212 891 € | 2 116 228 € | 1 787 109 € | 1 411 614 € | 1 218 243 € | 1 144 811 € | 1 069 713 € |
| Net income | 76 492 € | -34 524 € | 294 890 € | 295 466 € | 168 184 € | 153 774 € | 103 563 € | 126 047 € | 170 754 € |
| EBITDA | -28 387 € | -202 207 € | 1 631 514 € | 447 532 € | 242 280 € | 223 278 € | 153 118 € | 136 253 € | 188 579 € |
| Net margin | 4.5% | -2.7% | 13.3% | 14.0% | 9.4% | 10.9% | 8.5% | 11.0% | 16.0% |
In 2024, NDFI CREDIT achieves revenue of 1.7 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +5.9%. Vs 2023, growth of +30% (1.3 M€ -> 1.7 M€). After deducting consumption (0 €), gross margin stands at 1.7 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -28 k€, representing -1.7% of revenue. Positive scissor effect: EBITDA margin improves by +13.9 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 76 k€, i.e. 4.5% of revenue. This profit can be retained or distributed to shareholders.
1 688 437 €
1 688 437 €
-28 387 €
78 388 €
76 492 €
-1.7%
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 36%. The balance between equity and debt is satisfactory.
0.0%
36.22%
-2.739%
0.0
36.9%
In 2024, the debt ratio of NDFI CREDIT (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 NDFI CREDIT (36.2%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of NDFI CREDIT (0.00) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
The liquidity ratio (= Current assets / Current liabilities) stands at 162.60. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
162.603
-2.561
In 2024, the liquidity ratio of NDFI CREDIT (162.60) 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 2024, the interest coverage of NDFI CREDIT (-2.6x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 15 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 127 days. Excellent situation: suppliers finance 112 days of the operating cycle (retail model). WCR is negative (-9 days): operations structurally generate cash. Notable WCR improvement over the period (-697%), freeing up cash.
-40 168 €
15 j
127 j
0 j
-9 j
Based on 109 transactions of similar company sales (all years), the value of NDFI CREDIT is estimated at 406 305 € (range 181 274€ - 1 027 559€). 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.
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This estimate is based on the analysis of 109 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 NDFI CREDIT with other companies in the same sector:
Voir toutes les statistiques du secteur Courtage de valeurs mobilières et de marchandises
The revenue of NDFI CREDIT in 2024 is 1.7 M€.
Yes, NDFI CREDIT generated a net profit of 76 k€ in 2024.
The headquarters of NDFI CREDIT is located in LILLE (59800), in the department Nord.
The tax return of NDFI CREDIT 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).
NDFI CREDIT operates in the sector Courtage de valeurs mobilières et de marchandises (NAF code 66.12Z). See the 'Sector positioning' section above to compare the company with its competitors.