SIREN : 347445769
UCAL FINANCES is a French company founded 37 years ago, specialized in the sector Activités des sociétés holding. Based in TRETEAU (03220), this company of category PME shows in 2025 a revenue of 145 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
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 145 021 € | 143 304 € | 139 788 € | 148 304 € | 148 234 € | 147 615 € | 140 982 € | 156 031 € | 152 532 € | 148 271 € |
| Net income | 82 920 € | 146 246 € | 918 € | 86 529 € | 72 617 € | 85 005 € | 24 428 € | 25 224 € | 25 577 € | 488 423 € |
| EBITDA | 100 358 € | 103 073 € | 102 513 € | 78 602 € | 102 508 € | 95 976 € | 97 168 € | 111 539 € | 103 628 € | 98 233 € |
| Net margin | 57.2% | 102.1% | 0.7% | 58.3% | 49.0% | 57.6% | 17.3% | 16.2% | 16.8% | 329.4% |
In 2025, UCAL FINANCES achieves revenue of 145 k€. Activity remains stable over the period (CAGR: -0.2%). Vs 2024: +1%. After deducting consumption (0 €), gross margin stands at 145 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 100 k€, representing 69.2% of revenue. Warning negative scissor effect: despite revenue change (+1%), EBITDA varies by -3%, reducing margin by 2.7 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 83 k€, i.e. 57.2% of revenue. This profit can be retained or distributed to shareholders.
145 021 €
145 021 €
100 358 €
60 352 €
82 920 €
69.2%
The debt ratio (= Financial debt / Equity x 100) stands at 1%. 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 56%. 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 0.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 84.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
1.376%
56.313%
84.79%
0.574
43.4%
In 2025, the debt ratio of UCAL FINANCES (1.38) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2025, the financial autonomy of UCAL FINANCES (56.3%) 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 2025, the repayment capacity of UCAL FINANCES (0.57) 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 13.87. 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 43.2x. Operating income very largely covers interest expenses: high safety margin.
13.873
43.232
In 2025, the liquidity ratio of UCAL FINANCES (13.87) 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 2025, the interest coverage of UCAL FINANCES (43.2x) 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: 185 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 191 days. Favorable situation: supplier credit is longer than customer credit by 6 days. WCR is negative (-9402 days): operations structurally generate cash.
-3 787 451 €
185 j
191 j
0 j
-9402 j
Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 55 838€ to 516 568€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 20 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 UCAL FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of UCAL FINANCES in 2025 is 145 k€.
Yes, UCAL FINANCES generated a net profit of 83 k€ in 2025.
The headquarters of UCAL FINANCES is located in TRETEAU (03220), in the department Allier.
The tax return of UCAL 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).
UCAL 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.