SIREN : 528699507
THOMAS FINANCE is a French company founded 15 years ago, specialized in the sector Activités des sociétés holding. Based in GUERET (23000), this company of category PME shows in 2023 a revenue of 269 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 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|
| Revenue | 269 028 € | 232 431 € | 199 291 € | 181 500 € | 181 500 € | 181 500 € |
| Net income | 219 788 € | 35 995 € | 99 258 € | 18 425 € | 11 828 € | 64 088 € |
| EBITDA | 8 079 € | -23 205 € | 29 817 € | 22 990 € | 22 986 € | 31 556 € |
| Net margin | 81.7% | 15.5% | 49.8% | 10.2% | 6.5% | 35.3% |
In 2023, THOMAS FINANCE achieves revenue of 269 k€. Over the period 2018-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +8.2%. Vs 2022, growth of +16% (232 k€ -> 269 k€). After deducting consumption (0 €), gross margin stands at 269 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 8 k€, representing 3.0% of revenue. Positive scissor effect: EBITDA margin improves by +13.0 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 220 k€, i.e. 81.7% of revenue. This profit can be retained or distributed to shareholders.
269 028 €
269 028 €
8 079 €
-7 623 €
219 788 €
3.0%
The debt ratio (= Financial debt / Equity x 100) stands at 69%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 57%. 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 2.7 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 88.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
68.544%
56.565%
88.239%
2.717
56.7%
In 2023, the debt ratio of THOMAS FINANCE (68.54) 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 2023, the financial autonomy of THOMAS FINANCE (56.6%) 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 2023, the repayment capacity of THOMAS FINANCE (2.72) 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 2573.86. 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 14.2x. Operating income very largely covers interest expenses: high safety margin.
2573.859
14.21
In 2023, the liquidity ratio of THOMAS FINANCE (2573.86) 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 2023, the interest coverage of THOMAS FINANCE (14.2x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 41 days. Excellent situation: suppliers finance 41 days of the operating cycle (retail model). Overall, WCR represents 1391 days of revenue, i.e. 1.0 M€ to permanently finance. Over 2018-2023, WCR increased by +290%, requiring additional financing.
1 039 530 €
0 j
41 j
0 j
1391 j
Based on 63 transactions of similar company sales
in 2023,
the value of THOMAS FINANCE is estimated at
447 894 €
(range 95 702€ - 697 495€).
With an EBITDA of 8 079€, 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.
Ajustez les pondérations selon votre analyse
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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare THOMAS FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of THOMAS FINANCE in 2023 is 269 k€.
Yes, THOMAS FINANCE generated a net profit of 220 k€ in 2023.
The headquarters of THOMAS FINANCE is located in GUERET (23000), in the department Creuse.
The tax return of THOMAS 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).
THOMAS FINANCE 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.