SIREN : 481657807
OPTIMUM FINANCE is a French company founded 21 years ago, specialized in the sector Gestion de fonds. Based in LA CHAPELLE-SUR-LOIRE (37140), this company of category PME shows in 2017 a revenue of 935 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-25
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2017 | 2016 |
|---|---|---|
| Revenue | 935 310 € | 158 477 € |
| Net income | 50 656 € | 463 € |
| EBITDA | 55 171 € | 8 105 € |
| Net margin | 5.4% | 0.3% |
In 2017, OPTIMUM FINANCE achieves revenue of 935 k€. Vs 2016, growth of +490% (158 k€ -> 935 k€). After deducting consumption (544 k€), gross margin stands at 391 k€, i.e. a rate of 42%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 55 k€, representing 5.9% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 51 k€, i.e. 5.4% of revenue. This profit can be retained or distributed to shareholders.
935 310 €
391 193 €
55 171 €
54 999 €
50 656 €
5.9%
The debt ratio (= Financial debt / Equity x 100) stands at 676%. 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 10%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 7.8 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 5.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
675.537%
9.812%
5.416%
7.831
In 2017, the debt ratio of OPTIMUM FINANCE (675.54) 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 2017, the financial autonomy of OPTIMUM FINANCE (9.8%) 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 2017, the repayment capacity of OPTIMUM FINANCE (7.83) 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 111.48. 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 7.4x. Operating income very largely covers interest expenses: high safety margin.
111.478
7.393
In 2017, the liquidity ratio of OPTIMUM FINANCE (111.48) 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 2017, the interest coverage of OPTIMUM FINANCE (7.4x) 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: 9 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 9 days. Overall, WCR represents 11 days of revenue, i.e. 28 k€ to permanently finance.
28 302 €
9 j
9 j
0 j
11 j
Based on 52 transactions of similar company sales
in 2017,
the value of OPTIMUM FINANCE is estimated at
369 649 €
(range 163 019€ - 544 769€).
With an EBITDA of 55 171€, the sector multiple of 4.1x is applied.
The price/revenue ratio is 0.60x
(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.
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This estimate is based on the analysis of 52 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 OPTIMUM FINANCE with other companies in the same sector:
The revenue of OPTIMUM FINANCE in 2017 is 935 k€.
Yes, OPTIMUM FINANCE generated a net profit of 51 k€ in 2017.
The headquarters of OPTIMUM FINANCE is located in LA CHAPELLE-SUR-LOIRE (37140), in the department Indre-et-Loire.
The tax return of OPTIMUM 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).
OPTIMUM FINANCE operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.