UNION DE PLACEMENT FINANCIER : revenue, balance sheet and financial ratios

UNION DE PLACEMENT FINANCIER is a French company founded 23 years ago, specialized in the sector Conseil pour les affaires et autres conseils de gestion. Based in LE HAVRE (76600), this company of category PME shows in 2021 a revenue of 4.8 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

Financial history - UNION DE PLACEMENT FINANCIER (SIREN 442857421)
Indicator 2024 2023 2021 2020 2019 2017 2016
Revenue N/C N/C 4 820 681 € 3 850 032 € 3 523 829 € 2 913 325 € 2 056 416 €
Net income 1 686 182 € 839 919 € 563 845 € 781 557 € 643 251 € 376 689 € 120 688 €
EBITDA N/C N/C 965 070 € 1 062 086 € 923 372 € 551 618 € 156 529 €
Net margin N/C N/C 11.7% 20.3% 18.3% 12.9% 5.9%

Revenue and income statement

In 2024, UNION DE PLACEMENT FINANCIER generates positive net income of 1.7 M€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 121 k€ -> 1.7 M€.

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

1 686 182 €

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 53%. Debt remains under control: the company retains capacity to raise new debt if needed. 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 ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

53.17%

Financial autonomy (2024) ?
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

56.059%

Asset age ratio (2024) ?
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

40.4%

Solvency indicators evolution
UNION DE PLACEMENT FINANCIER

Sector positioning

Debt ratio
53.17 2024
2021
2023
2024
Q1: 0.0
Med: 4.0
Q3: 41.75
Average

In 2024, the debt ratio of UNION DE PLACEMENT FINANCIER (53.17) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
56.06% 2024
2021
2023
2024
Q1: 4.27%
Med: 38.89%
Q3: 76.46%
Good +18 pts over 3 years

In 2024, the financial autonomy of UNION DE PLACEMENT FINANCIER (56.1%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
1.75 years 2021
2021
Q1: 0.0 years
Med: 0.0 years
Q3: 1.06 years
Average

In 2021, the repayment capacity of UNION DE PLACEMENT FINANCIER (1.75) 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 604.74. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
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

604.742

Liquidity indicators evolution
UNION DE PLACEMENT FINANCIER

Sector positioning

Liquidity ratio
604.74 2024
2021
2023
2024
Q1: 138.89
Med: 313.79
Q3: 966.61
Good +11 pts over 3 years

In 2024, the liquidity ratio of UNION DE PLACEMENT FINANCIER (604.74) 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.

Interest coverage
0.15x 2021
2021
Q1: 0.0x
Med: 0.0x
Q3: 0.2x
Good

In 2021, the interest coverage of UNION DE PLACEMENT FINANCIER (0.1x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2024) ?
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

0 €

Customer credit (2024) ?
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

0 j

Supplier credit (2024) ?
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

0 j

Inventory turnover (2024) ?
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 and payment terms evolution
UNION DE PLACEMENT FINANCIER

Positioning of UNION DE PLACEMENT FINANCIER in its sector

Comparison with sector Conseil pour les affaires et autres conseils de gestion

Valuation estimate

Based on 69 transactions of similar company sales in 2024, the value of UNION DE PLACEMENT FINANCIER is estimated at 11 677 666 € (range 4 409 232€ - 29 232 506€). 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.

Estimated enterprise value 2024
69 tx
4409k€ 11677k€ 29232k€
11 677 666 € Range: 4 409 232€ - 29 232 506€
NAF 5 année 2024

Valuation method used

Net Income Multiple
1 686 182 € × 6.9x = 11 677 666 €
Range: 4 409 232€ - 29 232 506€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 69 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 (Conseil pour les affaires et autres conseils de gestion)

Compare UNION DE PLACEMENT FINANCIER with other companies in the same sector:

Voir toutes les statistiques du secteur Conseil pour les affaires et autres conseils de gestion

Frequently asked questions about UNION DE PLACEMENT FINANCIER

What is the revenue of UNION DE PLACEMENT FINANCIER ?

The revenue of UNION DE PLACEMENT FINANCIER in 2021 is 4.8 M€.

Is UNION DE PLACEMENT FINANCIER profitable?

Yes, UNION DE PLACEMENT FINANCIER generated a net profit of 1.7 M€ in 2024.

Where is the headquarters of UNION DE PLACEMENT FINANCIER ?

The headquarters of UNION DE PLACEMENT FINANCIER is located in LE HAVRE (76600), in the department Seine-Maritime.

Where to find the tax return of UNION DE PLACEMENT FINANCIER ?

The tax return of UNION DE PLACEMENT FINANCIER 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 UNION DE PLACEMENT FINANCIER operate?

UNION DE PLACEMENT FINANCIER operates in the sector Conseil pour les affaires et autres conseils de gestion (NAF code 70.22Z). See the 'Sector positioning' section above to compare the company with its competitors.