SIREN : 479634941
OPTIA FINANCE is a French company founded 21 years ago, specialized in the sector Services administratifs combinés de bureau. Based in LE HAVRE (76600), this company of category PME shows in 2024 a revenue of 721 k€. 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 | 2024 | 2023 | 2022 | 2021 | 2020 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 721 157 € | 762 584 € | 772 819 € | 915 992 € | 505 994 € | 934 504 € | 1 150 465 € | 1 202 298 € | 1 196 885 € |
| Net income | 338 716 € | 2 508 271 € | 921 265 € | 1 122 491 € | 203 696 € | 809 289 € | 564 077 € | 915 126 € | 626 957 € |
| EBITDA | 48 196 € | 34 890 € | 105 136 € | 166 633 € | 92 409 € | 129 211 € | 246 866 € | 343 245 € | 51 758 € |
| Net margin | 47.0% | 328.9% | 119.2% | 122.5% | 40.3% | 86.6% | 49.0% | 76.1% | 52.4% |
In 2024, OPTIA FINANCE achieves revenue of 721 k€. Revenue is declining over the period 2017-2024 (CAGR: -7.0%). Slight decline of -5% vs 2023. After deducting consumption (0 €), gross margin stands at 721 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 48 k€, representing 6.7% of revenue. Positive scissor effect: EBITDA margin improves by +2.1 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 339 k€, i.e. 47.0% of revenue. This profit can be retained or distributed to shareholders.
721 157 €
721 157 €
48 196 €
23 907 €
338 716 €
6.7%
The debt ratio (= Financial debt / Equity x 100) stands at 103%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 47%. 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 2.8 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 59.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
102.867%
47.188%
59.925%
2.762
62.5%
In 2024, the debt ratio of OPTIA FINANCE (102.87) 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 OPTIA FINANCE (47.2%) 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 2024, the repayment capacity of OPTIA FINANCE (2.76) 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 1518.19. 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.
1518.188
5.065
In 2024, the liquidity ratio of OPTIA FINANCE (1518.19) 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 OPTIA FINANCE (5.1x) 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: 47 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 37 days. The company must finance 10 days of gap between collections and payments. Overall, WCR represents 774 days of revenue, i.e. 1.6 M€ to permanently finance. Over 2017-2024, WCR increased by +39%, requiring additional financing.
1 551 230 €
47 j
37 j
0 j
774 j
Based on 173 transactions of similar company sales (all years), the value of OPTIA FINANCE is estimated at 404 722 € (range 141 242€ - 993 879€). With an EBITDA of 48 196€, the sector multiple of 3.4x is applied. The price/revenue ratio is 0.38x (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 173 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 OPTIA FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Services administratifs combinés de bureau
The revenue of OPTIA FINANCE in 2024 is 721 k€.
Yes, OPTIA FINANCE generated a net profit of 339 k€ in 2024.
The headquarters of OPTIA FINANCE is located in LE HAVRE (76600), in the department Seine-Maritime.
The tax return of OPTIA 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).
OPTIA FINANCE operates in the sector Services administratifs combinés de bureau (NAF code 82.11Z). See the 'Sector positioning' section above to compare the company with its competitors.