WESTERN UNION FINANCIAL SERVICES INTERNATIONAL [FRANCE] : revenue, balance sheet and financial ratios

WESTERN UNION FINANCIAL SERVICES INTERNATIONAL [FRANCE] is a French company founded 28 years ago, specialized in the sector Conseil pour les affaires et autres conseils de gestion. Based in PUTEAUX (92800), this company of category PME shows in 2024 a revenue of 4.5 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 - WESTERN UNION FINANCIAL SERVICES INTERNATIONAL [FRANCE] (SIREN 413248048)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 4 549 039 € 4 494 372 € 4 391 119 € 3 253 627 € 3 222 919 € 4 681 899 € 4 440 883 € 4 152 103 € 3 797 269 €
Net income 330 983 € 365 502 € 133 168 € 219 044 € 113 666 € 256 664 € 211 628 € 188 684 € 227 949 €
EBITDA 637 544 € 415 903 € 579 481 € 211 578 € 63 721 € 577 263 € 397 065 € 390 337 € 403 497 €
Net margin 7.3% 8.1% 3.0% 6.7% 3.5% 5.5% 4.8% 4.5% 6.0%

Revenue and income statement

In 2024, WESTERN UNION FINANCIAL SERVICES INTERNATIONAL [FRANCE] achieves revenue of 4.5 M€. Revenue is growing positively over 9 years (CAGR: +2.3%). Vs 2023: +1%. After deducting consumption (0 €), gross margin stands at 4.5 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 638 k€, representing 14.0% of revenue. Positive scissor effect: EBITDA margin improves by +4.8 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 331 k€, i.e. 7.3% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

4 549 039 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

4 549 039 €

EBITDA (2024) ?
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

637 544 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

627 824 €

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

330 983 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

14.0%

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Chart evolution

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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 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 90%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 7.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

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

0.0%

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

89.926%

Cash flow / Revenue (2024) ?
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

7.49%

Repayment capacity (2024) ?
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

0.0

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

21.3%

Solvency indicators evolution
WESTERN UNION FINANCIAL SERVICES INTERNATIONAL [FRANCE]

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 3.98
Q3: 41.81
Excellent

In 2024, the debt ratio of WESTERN UNION FINANCIAL S... (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.

Financial autonomy
89.93% 2024
2022
2023
2024
Q1: 4.2%
Med: 38.87%
Q3: 76.44%
Excellent

In 2024, the financial autonomy of WESTERN UNION FINANCIAL S... (89.9%) 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.

Repayment capacity
0.0 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 1.1 years
Excellent

In 2024, the repayment capacity of WESTERN UNION FINANCIAL S... (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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 980.46. 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 7.0x. Operating income very largely covers interest expenses: high safety margin.

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

980.462

Interest coverage (2024) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

6.964

Liquidity indicators evolution
WESTERN UNION FINANCIAL SERVICES INTERNATIONAL [FRANCE]

Sector positioning

Liquidity ratio
980.46 2024
2022
2023
2024
Q1: 138.87
Med: 313.12
Q3: 966.61
Excellent

In 2024, the liquidity ratio of WESTERN UNION FINANCIAL S... (980.46) 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.

Interest coverage
6.96x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 0.26x
Excellent

In 2024, the interest coverage of WESTERN UNION FINANCIAL S... (7.0x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 1 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 51 days. Excellent situation: suppliers finance 50 days of the operating cycle (retail model). Overall, WCR represents 902 days of revenue, i.e. 11.4 M€ to permanently finance.

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

11 403 258 €

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

1 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

51 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 in days of revenue (2024) ?
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

902 j

WCR and payment terms evolution
WESTERN UNION FINANCIAL SERVICES INTERNATIONAL [FRANCE]

Positioning of WESTERN UNION FINANCIAL SERVICES INTERNATIONAL [FRANCE] 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 WESTERN UNION FINANCIAL SERVICES INTERNATIONAL [FRANCE] is estimated at 2 715 093 € (range 966 288€ - 4 315 220€). With an EBITDA of 637 544€, the sector multiple of 4.3x is applied. The price/revenue ratio is 0.66x (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 2024
69 tx
966k€ 2715k€ 4315k€
2 715 093 € Range: 966 288€ - 4 315 220€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
637 544 € × 4.3x
Estimation 2 714 879 €
539 754€ - 4 346 592€
Revenue Multiple 30%
4 549 039 € × 0.66x
Estimation 2 997 362 €
1 744 377€ - 3 314 358€
Net Income Multiple 20%
330 983 € × 6.9x
Estimation 2 292 225 €
865 494€ - 5 738 089€

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 WESTERN UNION FINANCIAL SERVICES INTERNATIONAL [FRANCE] 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 WESTERN UNION FINANCIAL SERVICES INTERNATIONAL [FRANCE]

What is the revenue of WESTERN UNION FINANCIAL SERVICES INTERNATIONAL [FRANCE] ?

The revenue of WESTERN UNION FINANCIAL SERVICES INTERNATIONAL [FRANCE] in 2024 is 4.5 M€.

Is WESTERN UNION FINANCIAL SERVICES INTERNATIONAL [FRANCE] profitable?

Yes, WESTERN UNION FINANCIAL SERVICES INTERNATIONAL [FRANCE] generated a net profit of 331 k€ in 2024.

Where is the headquarters of WESTERN UNION FINANCIAL SERVICES INTERNATIONAL [FRANCE] ?

The headquarters of WESTERN UNION FINANCIAL SERVICES INTERNATIONAL [FRANCE] is located in PUTEAUX (92800), in the department Hauts-de-Seine.

Where to find the tax return of WESTERN UNION FINANCIAL SERVICES INTERNATIONAL [FRANCE] ?

The tax return of WESTERN UNION FINANCIAL SERVICES INTERNATIONAL [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 WESTERN UNION FINANCIAL SERVICES INTERNATIONAL [FRANCE] operate?

WESTERN UNION FINANCIAL SERVICES INTERNATIONAL [FRANCE] 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.