SIREN : 803527415
RAYNARD FINANCES is a French company founded 11 years ago, specialized in the sector Activités des sociétés holding. Based in BONNEUIL-SUR-MARNE (94380), this company of category PME shows in 2024 a revenue of 276 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
| Indicator | 2024 | 2022 | 2021 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 275 617 € | 272 249 € | 181 416 € | 265 544 € | 283 576 € |
| Net income | 32 493 € | 23 750 € | 24 211 € | -151 492 € | 3 843 € |
| EBITDA | 40 141 € | 39 901 € | 29 750 € | 11 594 € | 4 082 € |
| Net margin | 11.8% | 8.7% | 13.3% | -57.0% | 1.4% |
In 2024, RAYNARD FINANCES achieves revenue of 276 k€. Activity remains stable over the period (CAGR: -0.7%). Vs 2022: +1%. After deducting consumption (0 €), gross margin stands at 276 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 40 k€, representing 14.6% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 32 k€, i.e. 11.8% of revenue. This profit can be retained or distributed to shareholders.
275 617 €
275 617 €
40 141 €
40 955 €
32 493 €
14.6%
The debt ratio (= Financial debt / Equity x 100) stands at 120%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 40%. 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 9.9 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 12.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
119.728%
40.285%
12.074%
9.93
14.5%
In 2024, the debt ratio of RAYNARD FINANCES (119.73) 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 RAYNARD FINANCES (40.3%) 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 2024, the repayment capacity of RAYNARD FINANCES (9.93) 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 475.19. 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 4.3x. Financial charges are adequately covered by operations.
475.19
4.267
In 2024, the liquidity ratio of RAYNARD FINANCES (475.19) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.
In 2024, the interest coverage of RAYNARD FINANCES (4.3x) 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: 212 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 191 days. The company must finance 21 days of gap between collections and payments. Overall, WCR represents 378 days of revenue, i.e. 289 k€ to permanently finance. Over 2020-2024, WCR increased by +49%, requiring additional financing.
289 412 €
212 j
191 j
0 j
378 j
Based on 54 transactions of similar company sales
in 2024,
the value of RAYNARD FINANCES is estimated at
155 228 €
(range 52 767€ - 273 668€).
With an EBITDA of 40 141€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.59x
(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 RAYNARD FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of RAYNARD FINANCES in 2024 is 276 k€.
Yes, RAYNARD FINANCES generated a net profit of 32 k€ in 2024.
The headquarters of RAYNARD FINANCES is located in BONNEUIL-SUR-MARNE (94380), in the department Val-de-Marne.
The tax return of RAYNARD 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).
RAYNARD 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.