SIREN : 783380348
UNION FINANCES GRAINS is a French company founded 126 years ago, specialized in the sector Services administratifs combinés de bureau. Based in PARIS (75008), this company of category PME shows in 2025 a revenue of 461 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 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 460 600 € | 450 200 € | 427 200 € | 433 800 € | 337 800 € | 241 000 € | 234 500 € | 234 000 € | 228 000 € |
| Net income | 134 174 € | 95 559 € | 21 089 € | 59 654 € | 75 869 € | 54 524 € | 43 525 € | 48 387 € | 23 450 € |
| EBITDA | 60 480 € | 61 254 € | 19 153 € | 57 343 € | 70 596 € | -160 709 € | -34 158 € | -17 365 € | -32 829 € |
| Net margin | 29.1% | 21.2% | 4.9% | 13.8% | 22.5% | 22.6% | 18.6% | 20.7% | 10.3% |
In 2025, UNION FINANCES GRAINS achieves revenue of 461 k€. Over the period 2017-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +9.2%. Vs 2024: +2%. After deducting consumption (0 €), gross margin stands at 461 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 60 k€, representing 13.1% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 134 k€, i.e. 29.1% of revenue. This profit can be retained or distributed to shareholders.
460 600 €
460 600 €
60 480 €
60 466 €
134 174 €
13.1%
The debt ratio (= Financial debt / Equity x 100) stands at 9996%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 1%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1542.3 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 29.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
9996.488%
0.99%
29.358%
1542.271
17.7%
In 2025, the debt ratio of UNION FINANCES GRAINS (9996.49) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2025, the financial autonomy of UNION FINANCES GRAINS (1.0%) 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 UNION FINANCES GRAINS (1542.27) 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 281591.19. 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 21733.2x. Operating income very largely covers interest expenses: high safety margin.
281591.193
21733.244
In 2025, the liquidity ratio of UNION FINANCES GRAINS (281591.19) 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.
In 2025, the interest coverage of UNION FINANCES GRAINS (21733.2x) 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: 135881 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 47 days. The gap of 135834 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 163081 days of revenue, i.e. 208.7 M€ to permanently finance. Over 2017-2025, WCR increased by +70%, requiring additional financing.
208 652 592 €
135881 j
47 j
0 j
163081 j
Based on 173 transactions of similar company sales (all years), the value of UNION FINANCES GRAINS is estimated at 251 612 € (range 83 880€ - 576 942€). With an EBITDA of 60 480€, the sector multiple of 3.4x is applied. The price/revenue ratio is 0.38x (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.
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This estimate is based on the analysis of 173 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 UNION FINANCES GRAINS with other companies in the same sector:
Voir toutes les statistiques du secteur Services administratifs combinés de bureau
The revenue of UNION FINANCES GRAINS in 2025 is 461 k€.
Yes, UNION FINANCES GRAINS generated a net profit of 134 k€ in 2025.
The headquarters of UNION FINANCES GRAINS is located in PARIS (75008), in the department Paris.
The tax return of UNION FINANCES GRAINS 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).
UNION FINANCES GRAINS operates in the sector Services administratifs combinés de bureau (NAF code 82.11Z). See the 'Sector positioning' section above to compare the company with its competitors.