UNION FINANCIERE DE FRANCE : revenue, balance sheet and financial ratios

UNION FINANCIERE DE FRANCE is a French company founded 50 years ago, specialized in the sector Activités des sièges sociaux. Based in BOIS-COLOMBES (92270), this company of category GE shows in 2023 a revenue of 188.4 M€. 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

Financial history - UNION FINANCIERE DE FRANCE (SIREN 473801330)
Indicator 2023 2022 2021 2020 2019 2017
Revenue 188 365 000 € 188 365 000 € N/C N/C N/C N/C
Net income 4 162 000 € 4 162 000 € 11 656 000 € 20 935 000 € 104 130 000 € 36 519 000 €
EBITDA -32 948 000 € 16 983 000 € N/C N/C N/C N/C
Net margin 2.2% 2.2% N/C N/C N/C N/C

Revenue and income statement

In 2023, UNION FINANCIERE DE FRANCE achieves revenue of 188.4 M€. Activity remains stable over the period (CAGR: 0.0%). Slight decline of 0% vs 2022. After deducting consumption (0 €), gross margin stands at 188.4 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 -32.9 M€, representing -17.5% of revenue. Warning negative scissor effect: despite revenue change (+0%), EBITDA varies by -294%, reducing margin by 26.5 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 4.2 M€, i.e. 2.2% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

188 365 000 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

188 365 000 €

EBITDA (2023) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

-32 948 000 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

3 944 000 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

4 162 000 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-17.5%

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 98%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 39%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 11.2 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 6.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

98.0%

Financial autonomy (2023) ?
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

38.807%

Cash flow / Revenue (2023) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

6.344%

Repayment capacity (2023) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

11.188

Solvency indicators evolution
UNION FINANCIERE DE FRANCE

Sector positioning

Debt ratio
98.0 2023
2021
2022
2023
Q1: 0.15
Med: 18.69
Q3: 101.54
Average +14 pts over 3 years

In 2023, the debt ratio of UNION FINANCIERE DE FRANCE (98.00) 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
38.81% 2023
2021
2022
2023
Q1: 13.72%
Med: 51.34%
Q3: 84.19%
Average

In 2023, the financial autonomy of UNION FINANCIERE DE FRANCE (38.8%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
11.19 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.21 years
Q3: 3.83 years
Average

In 2023, the repayment capacity of UNION FINANCIERE DE FRANCE (11.19) 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.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Overall, WCR represents 127 days of revenue, i.e. 66.6 M€ to permanently finance.

Operating WCR (2023) ?
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

66 605 864 €

Customer credit (2023) ?
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 (2023) ?
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 (2023) ?
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 in days of revenue (2023) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

127 j

WCR and payment terms evolution
UNION FINANCIERE DE FRANCE

Positioning of UNION FINANCIERE DE FRANCE in its sector

Comparison with sector Activités des sièges sociaux

Valuation estimate

Based on 89 transactions of similar company sales in 2023, the value of UNION FINANCIERE DE FRANCE is estimated at 70 386 118 € (range 29 547 659€ - 130 721 439€). The price/revenue ratio is 0.52x (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.
Medium reliability: estimate to be confirmed with in-depth analysis.

Estimated enterprise value 2023
89 tx
29547k€ 70386k€ 130721k€
70 386 118 € Range: 29 547 659€ - 130 721 439€
NAF 5 année 2023

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
188 365 000 € × 0.52x
Estimation 98 623 775 €
40 344 098€ - 174 785 136€
Net Income Multiple 20%
4 162 000 € × 6.7x
Estimation 28 029 632 €
13 353 002€ - 64 625 896€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 89 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 (Activités des sièges sociaux)

Compare UNION FINANCIERE DE FRANCE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sièges sociaux

Frequently asked questions about UNION FINANCIERE DE FRANCE

What is the revenue of UNION FINANCIERE DE FRANCE ?

The revenue of UNION FINANCIERE DE FRANCE in 2023 is 188.4 M€.

Is UNION FINANCIERE DE FRANCE profitable?

Yes, UNION FINANCIERE DE FRANCE generated a net profit of 4.2 M€ in 2023.

Where is the headquarters of UNION FINANCIERE DE FRANCE ?

The headquarters of UNION FINANCIERE DE FRANCE is located in BOIS-COLOMBES (92270), in the department Hauts-de-Seine.

Where to find the tax return of UNION FINANCIERE DE FRANCE ?

The tax return of UNION FINANCIERE DE FRANCE 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 FINANCIERE DE FRANCE operate?

UNION FINANCIERE DE FRANCE operates in the sector Activités des sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.