SIREN : 500670849
NFB FINANCE is a French company founded 18 years ago, specialized in the sector Autres intermédiations monétaires. Based in DIJON (21000), this company of category PME shows in 2021 a revenue of 1.3 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 | 2021 | 2020 | 2019 |
|---|---|---|---|
| Revenue | 1 323 710 € | 1 447 652 € | 1 348 449 € |
| Net income | 15 722 € | 843 € | 47 489 € |
| EBITDA | 52 326 € | 20 371 € | 76 412 € |
| Net margin | 1.2% | 0.1% | 3.5% |
In 2021, NFB FINANCE achieves revenue of 1.3 M€. Activity remains stable over the period (CAGR: -0.9%). Slight decline of -9% vs 2020. After deducting consumption (0 €), gross margin stands at 1.3 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 52 k€, representing 4.0% of revenue. Positive scissor effect: EBITDA margin improves by +2.5 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 16 k€, i.e. 1.2% of revenue. This profit can be retained or distributed to shareholders.
1 323 710 €
1 323 710 €
52 326 €
36 012 €
15 722 €
4.0%
The debt ratio (= Financial debt / Equity x 100) stands at 147%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 28%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 5.0 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 3.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
146.654%
27.878%
3.29%
4.972
58.9%
In 2021, the debt ratio of NFB FINANCE (146.65) 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 2021, the financial autonomy of NFB FINANCE (27.9%) 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 2021, the repayment capacity of NFB FINANCE (4.97) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 263.13. 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 4.6x. Financial charges are adequately covered by operations.
263.128
4.615
In 2021, the liquidity ratio of NFB FINANCE (263.13) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2021, the interest coverage of NFB FINANCE (4.6x) 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: 27 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 5 days. The company must finance 22 days of gap between collections and payments. WCR is negative (-4 days): operations structurally generate cash. Notable WCR improvement over the period (-112%), freeing up cash.
-13 462 €
27 j
5 j
0 j
-4 j
Based on 129 transactions of similar company sales in 2021, the value of NFB FINANCE is estimated at 302 398 € (range 156 973€ - 631 792€). With an EBITDA of 52 326€, the sector multiple of 4.3x is applied. The price/revenue ratio is 0.43x (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 129 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 NFB FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Autres intermédiations monétaires
The revenue of NFB FINANCE in 2021 is 1.3 M€.
Yes, NFB FINANCE generated a net profit of 16 k€ in 2021.
The headquarters of NFB FINANCE is located in DIJON (21000), in the department Cote-d'Or.
The tax return of NFB 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).
NFB FINANCE operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.