SOCIETE D'INFORMATIQUE BANCAIRE : revenue, balance sheet and financial ratios

SOCIETE D'INFORMATIQUE BANCAIRE is a French company founded 29 years ago, specialized in the sector Edition de logiciels applicatifs. Based in PARIS (75008), this company of category PME shows in 2023 a revenue of 749 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

Financial history - SOCIETE D'INFORMATIQUE BANCAIRE (SIREN 408172187)
Indicator 2023 2022 2021 2020 2019 2018 2017
Revenue 749 190 € 532 990 € 547 870 € 606 029 € 595 299 € 610 707 € 616 210 €
Net income 162 104 € 52 578 € 39 180 € 89 204 € 37 619 € 129 751 € 119 965 €
EBITDA 234 621 € 125 462 € 92 182 € 165 290 € 105 738 € 108 743 € 125 254 €
Net margin 21.6% 9.9% 7.2% 14.7% 6.3% 21.2% 19.5%

Revenue and income statement

In 2023, SOCIETE D'INFORMATIQUE BANCAIRE achieves revenue of 749 k€. Revenue is growing positively over 7 years (CAGR: +3.3%). Vs 2022, growth of +41% (533 k€ -> 749 k€). After deducting consumption (0 €), gross margin stands at 749 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 235 k€, representing 31.3% of revenue. Positive scissor effect: EBITDA margin improves by +7.8 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 162 k€, i.e. 21.6% of revenue. This profit can be retained or distributed to shareholders.

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

749 190 €

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

749 190 €

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

234 621 €

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

188 006 €

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

162 104 €

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

31.3%

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 90%. 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 27.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

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

0.233%

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

89.746%

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

27.858%

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

0.012

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

19.9%

Solvency indicators evolution
SOCIETE D'INFORMATIQUE BANCAIRE

Sector positioning

Debt ratio
0.23 2023
2021
2022
2023
Q1: 0.0
Med: 7.38
Q3: 53.46
Good

In 2023, the debt ratio of SOCIETE D'INFORMATIQUE BA... (0.23) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
89.75% 2023
2021
2022
2023
Q1: 14.86%
Med: 40.01%
Q3: 62.52%
Excellent

In 2023, the financial autonomy of SOCIETE D'INFORMATIQUE BA... (89.8%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
0.01 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.0 years
Q3: 0.8 years
Average

In 2023, the repayment capacity of SOCIETE D'INFORMATIQUE BA... (0.01) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 1055.88. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

1055.883

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

0.0

Liquidity indicators evolution
SOCIETE D'INFORMATIQUE BANCAIRE

Sector positioning

Liquidity ratio
1055.88 2023
2021
2022
2023
Q1: 147.42
Med: 250.59
Q3: 478.63
Excellent

In 2023, the liquidity ratio of SOCIETE D'INFORMATIQUE BA... (1055.88) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
0.0x 2023
2021
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 2.33x
Average

In 2023, the interest coverage of SOCIETE D'INFORMATIQUE BA... (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 32 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 44 days. Favorable situation: supplier credit is longer than customer credit by 12 days. Overall, WCR represents 12 days of revenue, i.e. 25 k€ to permanently finance. Notable WCR improvement over the period (-82%), freeing up cash.

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

24 963 €

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

32 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

44 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

12 j

WCR and payment terms evolution
SOCIETE D'INFORMATIQUE BANCAIRE

Positioning of SOCIETE D'INFORMATIQUE BANCAIRE in its sector

Comparison with sector Edition de logiciels applicatifs

Valuation estimate

Based on 103 transactions of similar company sales (all years), the value of SOCIETE D'INFORMATIQUE BANCAIRE is estimated at 209 194 € (range 76 751€ - 621 686€). With an EBITDA of 234 621€, the sector multiple of 1.0x is applied. The price/revenue ratio is 0.25x (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.

Estimated enterprise value 2023
103 transactions
76k€ 209k€ 621k€
209 194 € Range: 76 751€ - 621 686€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
234 621 € × 1.0x
Estimation 227 722 €
74 679€ - 735 873€
Revenue Multiple 30%
749 190 € × 0.25x
Estimation 186 422 €
82 353€ - 410 284€
Net Income Multiple 20%
162 104 € × 1.2x
Estimation 197 033 €
73 531€ - 653 323€
How is this estimate calculated?

This estimate is based on the analysis of 103 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 (Edition de logiciels applicatifs)

Compare SOCIETE D'INFORMATIQUE BANCAIRE with other companies in the same sector:

Voir toutes les statistiques du secteur Edition de logiciels applicatifs

Frequently asked questions about SOCIETE D'INFORMATIQUE BANCAIRE

What is the revenue of SOCIETE D'INFORMATIQUE BANCAIRE ?

The revenue of SOCIETE D'INFORMATIQUE BANCAIRE in 2023 is 749 k€.

Is SOCIETE D'INFORMATIQUE BANCAIRE profitable?

Yes, SOCIETE D'INFORMATIQUE BANCAIRE generated a net profit of 162 k€ in 2023.

Where is the headquarters of SOCIETE D'INFORMATIQUE BANCAIRE ?

The headquarters of SOCIETE D'INFORMATIQUE BANCAIRE is located in PARIS (75008), in the department Paris.

Where to find the tax return of SOCIETE D'INFORMATIQUE BANCAIRE ?

The tax return of SOCIETE D'INFORMATIQUE BANCAIRE 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 SOCIETE D'INFORMATIQUE BANCAIRE operate?

SOCIETE D'INFORMATIQUE BANCAIRE operates in the sector Edition de logiciels applicatifs (NAF code 58.29C). See the 'Sector positioning' section above to compare the company with its competitors.