SIREN : 803106558
VAL D OR FINANCES is a French company founded 12 years ago, specialized in the sector Activités des sociétés holding. Based in LA BEGUDE-DE-MAZENC (26160), this company of category PME shows in 2022 a revenue of 517 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 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 516 852 € | 596 891 € | 551 108 € | 513 915 € | 482 859 € | 486 992 € | 462 907 € | 390 107 € |
| Net income | 7 808 400 € | 744 754 € | 710 711 € | 649 758 € | 552 062 € | 149 335 € | 464 902 € | 148 506 € |
| EBITDA | -49 265 € | 21 815 € | -10 567 € | -32 420 € | 29 588 € | 52 200 € | 62 404 € | 59 575 € |
| Net margin | 1510.8% | 124.8% | 129.0% | 126.4% | 114.3% | 30.7% | 100.4% | 38.1% |
In 2022, VAL D OR FINANCES achieves revenue of 517 k€. Revenue is growing positively over 8 years (CAGR: +4.1%). Significant drop of -13% vs 2021. After deducting consumption (0 €), gross margin stands at 517 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 -49 k€, representing -9.5% of revenue. Warning negative scissor effect: despite revenue change (-13%), EBITDA varies by -326%, reducing margin by 13.2 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 7.8 M€, i.e. 1510.8% of revenue. This profit can be retained or distributed to shareholders.
516 852 €
516 852 €
-49 265 €
-57 012 €
7 808 400 €
-9.5%
The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 98%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 117.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.0%
97.823%
117.179%
0.0
51.2%
In 2022, the debt ratio of VAL D OR FINANCES (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
In 2022, the financial autonomy of VAL D OR FINANCES (97.8%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2022, the repayment capacity of VAL D OR FINANCES (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.
The liquidity ratio (= Current assets / Current liabilities) stands at 3323.80. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
3323.802
-40.416
In 2022, the liquidity ratio of VAL D OR FINANCES (3323.80) 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 2022, the interest coverage of VAL D OR FINANCES (-40.4x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 51 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 13 days. The gap of 38 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 480 days of revenue, i.e. 689 k€ to permanently finance. Over 2015-2022, WCR increased by +306%, requiring additional financing.
688 995 €
51 j
13 j
0 j
480 j
Based on 70 transactions of similar company sales
in 2022,
the value of VAL D OR FINANCES is estimated at
11 794 315 €
(range 3 833 975€ - 23 867 048€).
The price/revenue ratio is 0.67x
(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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 70 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 VAL D OR FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of VAL D OR FINANCES in 2022 is 517 k€.
Yes, VAL D OR FINANCES generated a net profit of 7.8 M€ in 2022.
The headquarters of VAL D OR FINANCES is located in LA BEGUDE-DE-MAZENC (26160), in the department Drome.
The tax return of VAL D OR 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).
VAL D OR 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.