SIREN : 528698657
ZOE INVEST is a French company founded 15 years ago, specialized in the sector Gestion de fonds. Based in FRANCHEVILLE (69340), this company of category ETI shows in 2023 a revenue of 937 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 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|
| Revenue | 936 694 € | 740 713 € | 1 164 590 € | 182 787 € | 202 278 € | 161 755 € | 169 704 € |
| Net income | 26 228 € | 266 614 € | -512 177 € | 48 482 € | 42 618 € | 28 159 € | 22 873 € |
| EBITDA | 143 896 € | 136 731 € | 129 786 € | 67 717 € | 89 486 € | 41 816 € | 21 637 € |
| Net margin | 2.8% | 36.0% | -44.0% | 26.5% | 21.1% | 17.4% | 13.5% |
In 2023, ZOE INVEST achieves revenue of 937 k€. Over the period 2017-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +32.9%. Vs 2022, growth of +26% (741 k€ -> 937 k€). After deducting consumption (0 €), gross margin stands at 937 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 144 k€, representing 15.4% of revenue. Warning negative scissor effect: despite revenue change (+26%), EBITDA varies by +5%, reducing margin by 3.1 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 26 k€, i.e. 2.8% of revenue. This profit can be retained or distributed to shareholders.
936 694 €
936 694 €
143 896 €
96 046 €
26 228 €
15.4%
The debt ratio (= Financial debt / Equity x 100) stands at 229%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 25%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 12.6 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 12.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
228.742%
24.948%
11.998%
12.565
57.1%
In 2023, the debt ratio of ZOE INVEST (228.74) 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 ZOE INVEST (24.9%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2023, the repayment capacity of ZOE INVEST (12.56) 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 83.72. 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 8.9x. Operating income very largely covers interest expenses: high safety margin.
83.722
8.854
In 2023, the liquidity ratio of ZOE INVEST (83.72) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.
In 2023, the interest coverage of ZOE INVEST (8.8x) 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: 52 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 63 days. Favorable situation: supplier credit is longer than customer credit by 11 days. WCR is negative (-37 days): operations structurally generate cash. Notable WCR improvement over the period (-1585%), freeing up cash.
-95 159 €
52 j
63 j
0 j
-37 j
Based on 77 transactions of similar company sales
in 2023,
the value of ZOE INVEST is estimated at
572 163 €
(range 307 226€ - 836 049€).
With an EBITDA of 143 896€, the sector multiple of 5.5x is applied.
The price/revenue ratio is 0.50x
(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.
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This estimate is based on the analysis of 77 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 ZOE INVEST with other companies in the same sector:
The revenue of ZOE INVEST in 2023 is 937 k€.
Yes, ZOE INVEST generated a net profit of 26 k€ in 2023.
The headquarters of ZOE INVEST is located in FRANCHEVILLE (69340), in the department Rhone.
The tax return of ZOE INVEST 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).
ZOE INVEST operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.