SIREN : 789895968
SYNALP FINANCE is a French company founded 13 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MERY (73420), this company of category PME shows in 2024 a revenue of 5.4 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|
| Revenue | 5 433 713 € | 4 602 547 € | 2 192 955 € | 1 041 070 € | 532 748 € | 493 171 € |
| Net income | 1 329 372 € | 1 684 789 € | 1 269 934 € | 248 764 € | 123 483 € | 101 907 € |
| EBITDA | 2 316 400 € | 2 305 293 € | 1 562 097 € | 396 192 € | 185 305 € | 166 553 € |
| Net margin | 24.5% | 36.6% | 57.9% | 23.9% | 23.2% | 20.7% |
In 2024, SYNALP FINANCE achieves revenue of 5.4 M€. Over the period 2019-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +61.6%. Vs 2023, growth of +18% (4.6 M€ -> 5.4 M€). After deducting consumption (0 €), gross margin stands at 5.4 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 2.3 M€, representing 42.6% of revenue. Warning negative scissor effect: despite revenue change (+18%), EBITDA varies by +0%, reducing margin by 7.5 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 1.3 M€, i.e. 24.5% of revenue. This profit can be retained or distributed to shareholders.
5 433 713 €
5 433 713 €
2 316 400 €
2 294 776 €
1 329 372 €
42.6%
The debt ratio (= Financial debt / Equity x 100) stands at 103%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 47%. 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 6.8 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 25.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
103.341%
47.104%
25.112%
6.762
28.5%
In 2024, the debt ratio of SYNALP FINANCE (103.34) 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 SYNALP FINANCE (47.1%) 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 SYNALP FINANCE (6.76) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.
The liquidity ratio (= Current assets / Current liabilities) stands at 333.54. 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 15.7x. Operating income very largely covers interest expenses: high safety margin.
333.54
15.676
In 2024, the liquidity ratio of SYNALP FINANCE (333.54) 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 SYNALP FINANCE (15.7x) 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: 59 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 133 days. Excellent situation: suppliers finance 74 days of the operating cycle (retail model). Overall, WCR represents 135 days of revenue, i.e. 2.0 M€ to permanently finance. Over 2019-2024, WCR increased by +5485%, requiring additional financing.
2 043 945 €
59 j
133 j
0 j
135 j
Based on 193 transactions of similar company sales (all years), the value of SYNALP FINANCE is estimated at 3 538 766 € (range 1 061 886€ - 12 578 874€). With an EBITDA of 2 316 400€, the sector multiple of 1.2x is applied. The price/revenue ratio is 0.98x (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.
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This estimate is based on the analysis of 193 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 SYNALP FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of SYNALP FINANCE in 2024 is 5.4 M€.
Yes, SYNALP FINANCE generated a net profit of 1.3 M€ in 2024.
The headquarters of SYNALP FINANCE is located in MERY (73420), in the department Savoie.
The tax return of SYNALP 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).
SYNALP FINANCE operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.