SIREN : 503361875
OBJECTIF FINANCES is a French company founded 18 years ago, specialized in the sector Autre distribution de crédit. Based in CHANTILLY (60500), this company of category PME shows in 2024 a revenue of 233 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 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 233 024 € | 216 532 € | 230 459 € | 238 471 € | 262 287 € |
| Net income | 86 703 € | 69 062 € | 64 730 € | 91 554 € | 93 781 € |
| EBITDA | 111 058 € | 93 938 € | 86 345 € | 122 643 € | 130 711 € |
| Net margin | 37.2% | 31.9% | 28.1% | 38.4% | 35.8% |
In 2024, OBJECTIF FINANCES achieves revenue of 233 k€. Activity remains stable over the period (CAGR: -2.9%). Vs 2023: +8%. After deducting consumption (0 €), gross margin stands at 233 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 111 k€, representing 47.7% of revenue. Positive scissor effect: EBITDA margin improves by +4.3 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 87 k€, i.e. 37.2% of revenue. This profit can be retained or distributed to shareholders.
233 024 €
233 024 €
111 058 €
110 370 €
86 703 €
47.7%
The debt ratio (= Financial debt / Equity x 100) stands at 5%. 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 92%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 37.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
5.098%
92.499%
37.503%
0.264
2.0%
In 2024, the debt ratio of OBJECTIF FINANCES (5.10) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of OBJECTIF FINANCES (92.5%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2024, the repayment capacity of OBJECTIF FINANCES (0.26) 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 555.49. 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 0.3x. Danger: operating income does not cover interest charges, unsustainable situation.
555.487
0.28
In 2024, the liquidity ratio of OBJECTIF FINANCES (555.49) 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 2024, the interest coverage of OBJECTIF FINANCES (0.3x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 24 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 15 days. The company must finance 9 days of gap between collections and payments. Overall, WCR represents 16 days of revenue, i.e. 11 k€ to permanently finance. Over 2020-2024, WCR increased by +194%, requiring additional financing.
10 633 €
24 j
15 j
0 j
16 j
Based on 135 transactions of similar company sales (all years), the value of OBJECTIF FINANCES is estimated at 34 126 € (range 26 459€ - 243 966€). With an EBITDA of 111 058€, 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 OBJECTIF FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Autre distribution de crédit
The revenue of OBJECTIF FINANCES in 2024 is 233 k€.
Yes, OBJECTIF FINANCES generated a net profit of 87 k€ in 2024.
The headquarters of OBJECTIF FINANCES is located in CHANTILLY (60500), in the department Oise.
The tax return of OBJECTIF FINANCES 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).
OBJECTIF FINANCES 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.