SIREN : 538640400
X.B. FINANCES is a French company founded 14 years ago, specialized in the sector Activités des sociétés holding. Based in CHAMPAGNOLE (39300), this company of category PME shows in 2020 a revenue of 59 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2020 | 2017 |
|---|---|---|
| Revenue | 58 898 € | 52 218 € |
| Net income | 478 577 € | 500 795 € |
| EBITDA | 33 374 € | 32 438 € |
| Net margin | 812.6% | 959.0% |
In 2020, X.B. FINANCES achieves revenue of 59 k€. Vs 2017, growth of +13% (52 k€ -> 59 k€). After deducting consumption (0 €), gross margin stands at 59 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 33 k€, representing 56.7% of revenue. Warning negative scissor effect: despite revenue change (+13%), EBITDA varies by +3%, reducing margin by 5.5 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 479 k€, i.e. 812.6% of revenue. This profit can be retained or distributed to shareholders.
58 898 €
58 898 €
33 374 €
25 536 €
478 577 €
56.7%
The debt ratio (= Financial debt / Equity x 100) stands at 9%. 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 80%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 825.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
8.964%
79.91%
825.858%
0.47
In 2020, the debt ratio of X.B. FINANCES (8.96) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2020, the financial autonomy of X.B. FINANCES (79.9%) 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 2020, the repayment capacity of X.B. FINANCES (0.47) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 18.67. 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 10.5x. Operating income very largely covers interest expenses: high safety margin.
18.666
10.544
In 2020, the liquidity ratio of X.B. FINANCES (18.67) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.
In 2020, the interest coverage of X.B. FINANCES (10.5x) 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: 360 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 0 days. The gap of 360 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. WCR is negative (-2075 days): operations structurally generate cash.
-339 424 €
360 j
0 j
0 j
-2075 j
Based on 71 transactions of similar company sales
in 2020,
the value of X.B. FINANCES is estimated at
849 206 €
(range 210 550€ - 1 694 978€).
With an EBITDA of 33 374€, the sector multiple of 5.0x is applied.
The price/revenue ratio is 0.60x
(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 71 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 X.B. FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of X.B. FINANCES in 2020 is 59 k€.
Yes, X.B. FINANCES generated a net profit of 479 k€ in 2020.
The headquarters of X.B. FINANCES is located in CHAMPAGNOLE (39300), in the department Jura.
The tax return of X.B. 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).
X.B. 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.