SIREN : 528839137
NEGOCIAL FINANCE is a French company founded 15 years ago, specialized in the sector Autre distribution de crédit. Based in LYON (69006), this company of category PME shows in 2025 a revenue of 4.6 M€. 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
| Indicator | 2025 | 2024 | 2022 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 4 600 837 € | 4 981 698 € | 3 822 413 € | 3 018 727 € | 3 443 927 € | 4 817 484 € | 4 939 531 € | 4 659 557 € |
| Net income | 5 764 € | -49 211 € | -28 945 € | 10 094 € | 51 149 € | -201 798 € | 124 087 € | 115 410 € |
| EBITDA | 71 471 € | -547 429 € | -300 484 € | 28 335 € | 82 557 € | -187 353 € | 216 151 € | 300 935 € |
| Net margin | 0.1% | -1.0% | -0.8% | 0.3% | 1.5% | -4.2% | 2.5% | 2.5% |
In 2025, NEGOCIAL FINANCE achieves revenue of 4.6 M€. Activity remains stable over the period (CAGR: -0.1%). Slight decline of -8% vs 2024. After deducting consumption (0 €), gross margin stands at 4.6 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 71 k€, representing 1.6% of revenue. Positive scissor effect: EBITDA margin improves by +12.5 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 6 k€, i.e. 0.1% of revenue. This profit can be retained or distributed to shareholders.
4 600 837 €
4 600 837 €
71 471 €
61 996 €
5 764 €
1.6%
The debt ratio (= Financial debt / Equity x 100) stands at 56%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 22%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 11.7 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 0.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
55.772%
22.122%
0.271%
11.67
15.9%
In 2025, the debt ratio of NEGOCIAL FINANCE (55.77) 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 2025, the financial autonomy of NEGOCIAL FINANCE (22.1%) 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 2025, the repayment capacity of NEGOCIAL FINANCE (11.67) 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 125.02. 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 5.1x. Operating income very largely covers interest expenses: high safety margin.
125.015
5.051
In 2025, the liquidity ratio of NEGOCIAL FINANCE (125.02) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.
In 2025, the interest coverage of NEGOCIAL FINANCE (5.0x) 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: 42 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 13 days. The company must finance 29 days of gap between collections and payments. Overall, WCR represents 19 days of revenue, i.e. 237 k€ to permanently finance. Notable WCR improvement over the period (-59%), freeing up cash.
237 173 €
42 j
13 j
0 j
19 j
Based on 135 transactions of similar company sales (all years), the value of NEGOCIAL FINANCE is estimated at 170 358 € (range 139 531€ - 415 220€). With an EBITDA of 71 471€, 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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare NEGOCIAL FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Autre distribution de crédit
The revenue of NEGOCIAL FINANCE in 2025 is 4.6 M€.
Yes, NEGOCIAL FINANCE generated a net profit of 6 k€ in 2025.
The headquarters of NEGOCIAL FINANCE is located in LYON (69006), in the department Rhone.
The tax return of NEGOCIAL 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).
NEGOCIAL FINANCE 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.