SIREN : 821482619
OLIVIER FINANCES is a French company founded 9 years ago, specialized in the sector Activités des sièges sociaux. Based in SAINT-BARTHELEMY-D'ANJOU (49124), this company of category PME shows in 2025 a revenue of 191 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2025 | 2024 | 2023 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 190 735 € | 181 829 € | 198 039 € | 84 750 € | 172 161 € | 120 000 € | 50 000 € |
| Net income | 14 482 € | 9 207 € | 49 519 € | -3 675 € | 282 € | -66 909 € | 5 772 € |
| EBITDA | 65 742 € | 51 932 € | 48 836 € | -2 030 € | 32 024 € | -27 964 € | 6 589 € |
| Net margin | 7.6% | 5.1% | 25.0% | -4.3% | 0.2% | -55.8% | 11.5% |
In 2025, OLIVIER FINANCES achieves revenue of 191 k€. Over the period 2016-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +16.0%. Vs 2024: +5%. After deducting consumption (0 €), gross margin stands at 191 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 66 k€, representing 34.5% of revenue. Positive scissor effect: EBITDA margin improves by +5.9 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 14 k€, i.e. 7.6% of revenue. This profit can be retained or distributed to shareholders.
190 735 €
190 735 €
65 742 €
31 527 €
14 482 €
34.5%
The debt ratio (= Financial debt / Equity x 100) stands at 319%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. 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 11.5 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 25.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
319.241%
22.066%
25.534%
11.524
82.5%
In 2025, the debt ratio of OLIVIER FINANCES (319.24) 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 OLIVIER FINANCES (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 OLIVIER FINANCES (11.52) 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 128.35. 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 18.6x. Operating income very largely covers interest expenses: high safety margin.
128.352
18.583
In 2025, the liquidity ratio of OLIVIER FINANCES (128.35) 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 OLIVIER FINANCES (18.6x) 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: 22 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 0 days. The company must finance 22 days of gap between collections and payments. WCR is negative (-60 days): operations structurally generate cash. Notable WCR improvement over the period (-199%), freeing up cash.
-31 706 €
22 j
0 j
0 j
-60 j
Based on 54 transactions of similar company sales
in 2025,
the value of OLIVIER FINANCES is estimated at
79 275 €
(range 36 882€ - 140 567€).
With an EBITDA of 65 742€, the sector multiple of 1.1x is applied.
The price/revenue ratio is 0.63x
(in line with sector norms).
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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 54 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 OLIVIER FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sièges sociaux
The revenue of OLIVIER FINANCES in 2025 is 191 k€.
Yes, OLIVIER FINANCES generated a net profit of 14 k€ in 2025.
The headquarters of OLIVIER FINANCES is located in SAINT-BARTHELEMY-D'ANJOU (49124), in the department Maine-et-Loire.
The tax return of OLIVIER 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).
OLIVIER FINANCES operates in the sector Activités des sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.