SIREN : 483576591
POINT FINANCES is a French company founded 20 years ago, specialized in the sector Autre distribution de crédit. Based in ALBI (81000), this company of category PME shows in 2024 a revenue of 4.6 M€. 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 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4 577 536 € | 3 063 826 € | 3 888 668 € | 4 626 363 € | 3 277 719 € | 2 931 608 € | 2 574 934 € | 2 037 528 € | 1 581 457 € |
| Net income | 461 696 € | -111 887 € | 283 837 € | 538 463 € | 352 812 € | 213 852 € | 384 548 € | 193 228 € | 110 880 € |
| EBITDA | 631 619 € | -27 674 € | 496 055 € | 864 071 € | 459 312 € | 383 180 € | 580 428 € | 328 434 € | 197 803 € |
| Net margin | 10.1% | -3.7% | 7.3% | 11.6% | 10.8% | 7.3% | 14.9% | 9.5% | 7.0% |
In 2024, POINT FINANCES achieves revenue of 4.6 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +14.2%. Vs 2023, growth of +49% (3.1 M€ -> 4.6 M€). After deducting consumption (2 k€), gross margin stands at 4.6 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 632 k€, representing 13.8% of revenue. Positive scissor effect: EBITDA margin improves by +14.7 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 462 k€, i.e. 10.1% of revenue. This profit can be retained or distributed to shareholders.
4 577 536 €
4 575 769 €
631 619 €
490 352 €
461 696 €
13.8%
The debt ratio (= Financial debt / Equity x 100) stands at 1%. 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 75%. 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 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 12.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.734%
75.055%
12.526%
0.035
42.5%
In 2024, the debt ratio of POINT FINANCES (0.73) 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 POINT FINANCES (75.1%) 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 POINT FINANCES (0.04) 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 347.51. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
347.507
0.0
In 2024, the liquidity ratio of POINT FINANCES (347.51) 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 POINT FINANCES (0.0x) 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: 36 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 37 days. Favorable situation: supplier credit is longer than customer credit by 1 days. WCR is negative (-14 days): operations structurally generate cash. Notable WCR improvement over the period (-197%), freeing up cash.
-174 496 €
36 j
37 j
0 j
-14 j
Based on 135 transactions of similar company sales (all years), the value of POINT FINANCES is estimated at 302 923 € (range 240 376€ - 1 581 007€). With an EBITDA of 631 619€, 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 POINT FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Autre distribution de crédit
The revenue of POINT FINANCES in 2024 is 4.6 M€.
Yes, POINT FINANCES generated a net profit of 462 k€ in 2024.
The headquarters of POINT FINANCES is located in ALBI (81000), in the department Tarn.
The tax return of POINT 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).
POINT 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.