SIREN : 517543757
FINANCIM is a French company founded 16 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in AMIENS (80000), this company of category PME shows in 2018 a revenue of 532 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
| Indicador | 2018 | 2017 | 2016 |
|---|---|---|---|
| Ingresos | 532 136 € | 157 273 € | 411 266 € |
| Resultado neto | 5 743 € | -561 674 € | -153 686 € |
| EBITDA | 9 771 € | -536 882 € | -132 757 € |
| Margen neto | 1.1% | -357.1% | -37.4% |
In 2018, FINANCIM achieves revenue of 532 k€. Over the period 2016-2018, the company shows strong growth with a CAGR (compound annual growth rate) of +13.7%. Vs 2017, growth of +238% (157 k€ -> 532 k€). After deducting consumption (0 €), gross margin stands at 532 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 10 k€, representing 1.8% of revenue. Positive scissor effect: EBITDA margin improves by +343.2 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 6 k€, i.e. 1.1% of revenue. This profit can be retained or distributed to shareholders.
532 136 €
532 136 €
9 771 €
21 884 €
5 743 €
1.8%
The debt ratio (= Financial debt / Equity x 100) stands at -101%. 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 -114%. Low autonomy: the company heavily depends on external financing (banks, suppliers).
-100.805%
-113.782%
-4.079%
-53.159
15.4%
In 2018, the debt ratio of FINANCIM (-100.81) 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 2018, the financial autonomy of FINANCIM (-113.8%) 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 2018, the repayment capacity of FINANCIM (-53.16) 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 93.70. 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 173.4x. Operating income very largely covers interest expenses: high safety margin.
93.702
173.421
In 2018, the liquidity ratio of FINANCIM (93.70) 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 2018, the interest coverage of FINANCIM (173.4x) 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: 748 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 364 days. The gap of 384 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 98 days of revenue, i.e. 144 k€ to permanently finance. Notable WCR improvement over the period (-50%), freeing up cash.
144 480 €
748 j
364 j
0 j
98 j
Indicative estimate only : the number of comparable transactions in this sector is limited (31 transactions). This range of 58 299€ to 344 372€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 31 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 FINANCIM with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of FINANCIM in 2018 is 532 k€.
Yes, FINANCIM generated a net profit of 6 k€ in 2018.
The headquarters of FINANCIM is located in AMIENS (80000), in the department Somme.
The tax return of FINANCIM 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).
FINANCIM operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.