PROCOM' FINANCES : revenue, balance sheet and financial ratios

PROCOM' FINANCES is a French company founded 14 years ago, specialized in the sector Activités des sociétés holding. Based in MARCAY (37500), this company of category PME shows in 2023 a revenue of 373 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

Financial history - PROCOM' FINANCES (SIREN 538588849)
Indicator 2023 2018 2017 2016
Revenue 373 210 € N/C 260 411 € 236 178 €
Net income 493 937 € 173 501 € 116 337 € 42 006 €
EBITDA 154 662 € N/C 97 559 € 85 933 €
Net margin 132.3% N/C 44.7% 17.8%

Revenue and income statement

En 2023, PROCOM' FINANCES alcanza unos ingresos de 373 k€. En el período 2016-2023, la empresa muestra un fuerte crecimiento con una TCAC de +6.8%. Tras deducir el consumo (0 €), el margen bruto se sitúa en 373 k€, es decir, una tasa del 100%. El EBITDA alcanza 155 k€, representando el 41.4% de los ingresos. Este alto margen EBITDA proporciona una fuerte capacidad de autofinanciación. El resultado neto asciende a 494 k€, es decir, el 132.3% de los ingresos.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

373 210 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

373 210 €

EBITDA (2023) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

154 662 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

209 016 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

493 937 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

41.4%

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Assets

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Liabilities

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Solvency and debt ratios

El ratio de endeudamiento (= Deuda financiera / Fondos propios x 100) se sitúa en 13%. Este nivel muy bajo refleja una estructura financiera sólida. La autonomía financiera (= Fondos propios / Total activo x 100) alcanza el 86%. Esta alta autonomía significa que la empresa financia la mayoría de sus activos con fondos propios. La capacidad de reembolso indica que se necesitarían 1.4 años de flujo de caja. Este corto período demuestra una excelente sostenibilidad de la deuda. El flujo de caja representa el 117.7% de los ingresos. Este alto nivel proporciona una fuerte capacidad de autofinanciación.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

13.279%

Financial autonomy (2023) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

86.475%

Cash flow / Revenue (2023) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

117.749%

Repayment capacity (2023) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

1.444

Asset age ratio (2023) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

30.7%

Solvency indicators evolution
PROCOM' FINANCES

Sector positioning

Ratio de endeudamiento
13.28 2023
2017
2018
2023
Q1: 0.03
Med: 10.87
Q3: 70.22
Average +13 pts over 3 years

En 2023, el ratio de endeudamiento de PROCOM' FINANCES (13.28) se sitúa por encima de la mediana del sector. Este ratio mide el peso de la deuda en relación con el patrimonio. Un esfuerzo de reducción podría mejorar la solidez financiera.

Autonomía financiera
86.47% 2023
2017
2018
2023
Q1: 17.2%
Med: 61.39%
Q3: 90.77%
Bueno

En 2023, el autonomía financiera de PROCOM' FINANCES (86.5%) se sitúa por encima de la mediana del sector. Este ratio representa la parte del patrimonio en la financiación total. Esta posición cómoda ofrece un margen de seguridad apreciable.

Capacidad de reembolso
1.44 ans 2023
2017
2023
Q1: 0.0 ans
Med: 0.09 ans
Q3: 3.23 ans
Average -12 pts over 2 years

En 2023, el capacidad de reembolso de PROCOM' FINANCES (1.4 ans) se sitúa por encima de la mediana del sector. Este ratio indica el número de años necesarios para pagar la deuda con flujo de caja. Un esfuerzo de reducción podría mejorar la solidez financiera.

Liquidity ratios

El ratio de liquidez se sitúa en 2343.67. La empresa tiene 2€ de activos líquidos por cada 1€ de deuda a corto plazo. El ratio de cobertura de intereses (= EBIT / Gastos financieros) es de 13.2x. El resultado de explotación cubre muy ampliamente los gastos financieros.

Liquidity ratio (2023) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

2343.673

Interest coverage (2023) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

13.218

Liquidity indicators evolution
PROCOM' FINANCES

Sector positioning

Ratio de liquidez
2343.67 2023
2017
2018
2023
Q1: 126.86
Med: 619.0
Q3: 3548.33
Bueno

En 2023, el ratio de liquidez de PROCOM' FINANCES (2343.67) se sitúa por encima de la mediana del sector. Este ratio mide la capacidad de cubrir deuda a corto plazo con activos corrientes. Esta posición cómoda ofrece un margen de seguridad apreciable.

Cobertura de intereses
13.22x 2023
2017
2023
Q1: -65.31x
Med: 0.0x
Q3: 0.0x
Excelente

En 2023, el cobertura de intereses de PROCOM' FINANCES (13.2x) se sitúa en el top 25% del sector. Este ratio indica cuántas veces el resultado operativo cubre los gastos de intereses. Alta cobertura significa que los gastos financieros pesan poco en la rentabilidad.

Working capital requirement (WCR) and payment terms

El fondo de maniobra operativo (FM) mide el desfase temporal de tesorería. Plazo medio de cobro a clientes: 44 días. Plazo proveedores: 174 días. Excelente situación: los proveedores financian 130 días del ciclo operativo. El FM representa 1858 días de ingresos. En 2016-2023, el FM aumentó en +124%.

Operating WCR (2023) ?
Operating WCR
Definition
Financing requirement generated by the operating cycle (inventory + receivables - trade payables).
Formula
Inventory + Customer receivables - Trade payables
Interpretation
Negative = cash released
Positive = financing needed

1 926 585 €

Customer credit (2023) ?
Customer credit (days)
Definition
Average payment term granted to customers.
Formula
(Customer receivables / Revenue incl. VAT) x 360
Interpretation
< 45j : Good
45-60j : Average
> 60j : Long

44 j

Supplier credit (2023) ?
Supplier credit (days)
Definition
Average payment term obtained from suppliers.
Formula
(Trade payables / Purchases incl. VAT) x 360
Interpretation
The longer the term, the better for cash flow

174 j

Inventory turnover (2023) ?
Inventory turnover (days)
Definition
Average storage duration for goods or materials.
Formula
(Inventory / Cost of goods) x 360
Interpretation
The lower the ratio, the faster the turnover

0 j

WCR in days of revenue (2023) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

1858 j

WCR and payment terms evolution
PROCOM' FINANCES

Positioning of PROCOM' FINANCES in its sector

Comparison with sector Activités des sociétés holding

Valuation estimate

Based on 63 transactions of similar company sales in 2023, the value of PROCOM' FINANCES is estimated at 1 301 736 € (range 317 133€ - 2 048 595€). With an EBITDA of 154 662€, the sector multiple of 4.6x is applied. The price/revenue ratio is 0.24x (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.
Medium reliability: estimate to be confirmed with in-depth analysis.

Estimated enterprise value 2023
63 tx
317k€ 1301k€ 2048k€
1 301 736 € Range: 317 133€ - 2 048 595€
NAF 5 année 2023

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
154 662 € × 4.6x
Estimation 706 682 €
258 927€ - 1 202 496€
Revenue Multiple 30%
373 210 € × 0.24x
Estimation 89 749 €
65 638€ - 266 544€
Net Income Multiple 20%
493 937 € × 9.3x
Estimation 4 607 357 €
839 893€ - 6 836 919€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 63 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Activités des sociétés holding)

Compare PROCOM' FINANCES with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sociétés holding

Frequently asked questions about PROCOM' FINANCES

What is the revenue of PROCOM' FINANCES ?

The revenue of PROCOM' FINANCES in 2023 is 373 k€.

Is PROCOM' FINANCES profitable?

Yes, PROCOM' FINANCES generated a net profit of 494 k€ in 2023.

Where is the headquarters of PROCOM' FINANCES ?

The headquarters of PROCOM' FINANCES is located in MARCAY (37500), in the department Indre-et-Loire.

Where to find the tax return of PROCOM' FINANCES ?

The tax return of PROCOM' 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).

In which sector does PROCOM' FINANCES operate?

PROCOM' FINANCES operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.