SIREN : 838604015
VAL DE LOIRE FINANCES is a French company founded 8 years ago, specialized in the sector Gestion de fonds. Based in TOURS (37000), this company of category PME shows in 2023 a net income negative of -39 k€. 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
| Indicator | 2023 | 2022 | 2021 | 2019 |
|---|---|---|---|---|
| Revenue | N/C | N/C | N/C | N/C |
| Net income | -39 025 € | -121 157 € | -20 196 € | -151 133 € |
| EBITDA | -19 066 € | -31 495 € | -46 145 € | -19 728 € |
| Net margin | N/C | N/C | N/C | N/C |
In 2023, VAL DE LOIRE FINANCES records a net loss of 39 k€. This deficit will reduce equity on the balance sheet.
-19 066 €
-17 078 €
-39 025 €
The debt ratio (= Financial debt / Equity x 100) stands at 16%. 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 85%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
15.925%
85.364%
-2.951
15.3%
In 2023, the debt ratio of VAL DE LOIRE FINANCES (15.93) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2023, the financial autonomy of VAL DE LOIRE FINANCES (85.4%) 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.
In 2023, the repayment capacity of VAL DE LOIRE FINANCES (-2.95) 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 6653.67. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
6653.671
-146.051
In 2023, the liquidity ratio of VAL DE LOIRE FINANCES (6653.67) 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 2023, the interest coverage of VAL DE LOIRE FINANCES (-146.1x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 120 days. Excellent situation: suppliers finance 120 days of the operating cycle (retail model).
0 €
0 j
120 j
0 j
Compare VAL DE LOIRE FINANCES with other companies in the same sector:
The revenue of VAL DE LOIRE FINANCES is not publicly disclosed (confidential accounts filed with INPI).
VAL DE LOIRE FINANCES recorded a net loss in 2023.
The headquarters of VAL DE LOIRE FINANCES is located in TOURS (37000), in the department Indre-et-Loire.
The tax return of VAL DE LOIRE 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 DE LOIRE FINANCES operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.