SIREN : 498607985
NUMERIBANK is a French company founded 18 years ago, specialized in the sector Programmation informatique. Based in SAINT-MARTIN-EN-HAUT (69850), this company of category PME shows in 2024 a revenue of 816 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
| Indicator | 2024 | 2023 |
|---|---|---|
| Revenue | 815 754 € | 829 970 € |
| Net income | 34 597 € | 6 718 € |
| EBITDA | 44 324 € | 13 565 € |
| Net margin | 4.2% | 0.8% |
In 2024, NUMERIBANK achieves revenue of 816 k€. Slight decline of -2% vs 2023. After deducting consumption (525 k€), gross margin stands at 290 k€, i.e. a rate of 36%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 44 k€, representing 5.4% of revenue. Positive scissor effect: EBITDA margin improves by +3.8 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 35 k€, i.e. 4.2% of revenue. This profit can be retained or distributed to shareholders.
815 754 €
290 378 €
44 324 €
25 199 €
34 597 €
5.4%
The debt ratio (= Financial debt / Equity x 100) stands at 87%. Debt level is high: negotiating margin with banks is reduced. 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 1.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 4.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
86.926%
26.279%
4.234%
1.486
27.2%
In 2024, the debt ratio of NUMERIBANK (86.93) 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 2024, the financial autonomy of NUMERIBANK (26.3%) 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 NUMERIBANK (1.49) 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 177.75. 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 9.4x. Operating income very largely covers interest expenses: high safety margin.
177.753
9.372
In 2024, the liquidity ratio of NUMERIBANK (177.75) 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 NUMERIBANK (9.4x) 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: 15 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 42 days. Favorable situation: supplier credit is longer than customer credit by 27 days. Inventory turnover is 60 days (= Average inventory / Cost of goods x 360). Overall, WCR represents 68 days of revenue, i.e. 154 k€ to permanently finance.
153 827 €
15 j
42 j
60 j
68 j
Based on 120 transactions of similar company sales (all years), the value of NUMERIBANK is estimated at 130 645 € (range 65 422€ - 339 264€). With an EBITDA of 44 324€, the sector multiple of 2.2x is applied. The price/revenue ratio is 0.27x (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 120 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 NUMERIBANK with other companies in the same sector:
Voir toutes les statistiques du secteur Programmation informatique
The revenue of NUMERIBANK in 2024 is 816 k€.
Yes, NUMERIBANK generated a net profit of 35 k€ in 2024.
The headquarters of NUMERIBANK is located in SAINT-MARTIN-EN-HAUT (69850), in the department Rhone.
The tax return of NUMERIBANK 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).
NUMERIBANK operates in the sector Programmation informatique (NAF code 62.01Z). See the 'Sector positioning' section above to compare the company with its competitors.