SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
                        ---------------------------------

                                    FORM 10-Q

                QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D)
                     OF THE SECURITIES EXCHANGE ACT OF 1934
                     --------------------------------------

                For the quarterly period ended SEPTEMBER 30, 1999

                           Commission file no.0-15152

                                 FIND/SVP, INC.
             (Exact name of Registrant as specified in its charter)

         NEW YORK                                    13-2670985
(State or other jurisdiction                     (I.R.S. employer
 of incorporation or organization)                identification no.)


                 625 AVENUE OF THE AMERICAS, NEW YORK, NY 10011
               (Address of principal executive offices) (Zip code)

Registrant's telephone number, including area code:  (212) 645-4500


Indicate by check mark whether the Registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the  preceding 12 months (or for such  shorter  period that the  Registrant  was
required  to file  such  reports),  and  (2) has  been  subject  to such  filing
requirements for the past 90 days.

                      YES    X                           NO
                           -----                            -----

Number of shares of Common Stock outstanding at November 5, 1999:  7,121,919



<PAGE>


                         FIND/SVP, INC. AND SUBSIDIARIES
                                      Index

<TABLE>
<CAPTION>
PART I. FINANCIAL INFORMATION                                                   Page
    <S>                                                                         <C>
    ITEM 1. Financial Statements
        Condensed Consolidated Balance Sheets                                   3
          September 30, 1999 (unaudited) and December 31, 1998

        Condensed Consolidated Statements of Operations                         4
          Nine Months Ended September 30, 1999 and 1998 (unaudited)

        Condensed Consolidated Statements of Operations                         5
          Three Months Ended September 30, 1999 and 1998 (unaudited)

        Condensed Consolidated Statements of Cash Flows                         6
          Nine Months Ended September 30, 1999 and 1998 (unaudited)

        Notes to Condensed Consolidated Financial Statements                    7

    ITEM 2. Management's Discussion and Analysis of Financial Condition and     10
              Results of Operations

    ITEM 3. Quantitative and Qualitative Disclosures about Market Risk          16

PART II. OTHER INFORMATION

    ITEM 4.  Submission of Matters to a Vote of Security Holders                17

    ITEM 6. Exhibits and Reports on Form 8-K                                    17

SIGNATURES                                                                      18
</TABLE>

                                       2
<PAGE>


                                     PART I.
                              FINANCIAL INFORMATION

                                     ITEM 1.
                              FINANCIAL STATEMENTS

                         FIND/SVP, INC. AND SUBSIDIARIES
                      Condensed Consolidated Balance Sheets
<TABLE>
<CAPTION>
                                                                        September 30,  December 31,
                                                                             1999        1998
                                                                             ----        ----
                          ASSETS                                         (unaudited)
<S>                                                                    <C>             <C>
Current assets:
   Cash                                                                  $   973,000   $ 2,307,000
   Accounts receivable, net                                                2,316,000     2,188,000
   Notes receivable                                                          138,000       200,000
   Deferred tax assets                                                       135,000       322,000
   Prepaid expenses                                                          368,000       466,000
                                                                         -----------   -----------
               Total current assets                                        3,930,000     5,483,000

Equipment and leasehold improvements, at cost, less accumulated
   depreciation and amortization of $6,168,000 in 1999 and
   $5,472,000 in 1998                                                      4,110,000     4,250,000

Goodwill, net                                                                 99,000       106,000
Other assets                                                               2,034,000     1,865,000
                                                                         -----------   -----------

                                                                         $10,173,000   $11,704,000
                                                                         ===========   ===========
           LIABILITIES AND SHAREHOLDERS' EQUITY
Current liabilities:
   Notes payable, current installments                                   $      --     $   500,000
   Accounts payable                                                          528,000       497,000
   Accrued expenses and other                                              1,440,000     1,917,000
                                                                         -----------   -----------

               Total current liabilities                                   1,968,000     2,914,000
Unearned retainer income                                                   1,960,000     1,917,000
Notes payable, net, excluding current installments                         2,962,000     3,307,000
Other liabilities                                                            288,000       578,000
                                                                         -----------   -----------


               Total liabilities                                           7,178,000     8,716,000
                                                                         -----------   -----------
Shareholders' equity:
   Preferred stock, $.0001 par value.  Authorized 2,000,000 shares;
      none issued and outstanding                                               --            --
   Common stock, $.0001 par value.  Authorized 20,000,000 shares;
      issued and outstanding 7,121,919 shares at September 30, 1999;
      issued and outstanding 7,114,169 shares at December 31, 1998             1,000         1,000
   Capital in excess of par value                                          4,893,000     4,886,000
   Accumulated deficit                                                    (1,899,000)   (1,899,000)
                                                                         -----------   -----------
               Total shareholders' equity                                  2,995,000     2,988,000
                                                                         -----------   -----------
                                                                         $10,173,000   $11,704,000
                                                                         ===========   ===========
</TABLE>
See accompanying notes to condensed consolidated financial statements.

                                       3
<PAGE>

                         FIND/SVP, INC. AND SUBSIDIARIES
                 Condensed Consolidated Statements of Operations
                                   (unaudited)
                         Nine months ended September 30,
<TABLE>
<CAPTION>
                                                           1999             1998
                                                           ----             ----
<S>                                                    <C>               <C>
Revenues                                               $16,815,000       $22,489,000
                                                       -----------       -----------

Operating expenses:
   Direct costs                                          8,564,000        11,368,000
   Selling, general and administrative expenses          7,956,000         9,782,000
   Restructuring charge                                       --             321,000
                                                       -----------       -----------
      Operating income                                     295,000         1,018,000

Interest income                                             72,000            51,000
Other income                                                  --             364,000
Gain on sale of assets                                        --              20,000
Interest expense                                          (357,000)         (395,000)
Other expense                                                 --            (315,000)
                                                       -----------       -----------
      Income before provision for income taxes              10,000           743,000
Provision for income taxes                                  10,000           342,000
                                                       -----------       -----------
      Net income                                       $      --         $   401,000
                                                       ===========       ===========


Earnings per common share:
      Basic                                            $      0.00       $      0.06
                                                       ===========       ===========
      Diluted                                          $      0.00       $      0.06
                                                       ===========       ===========

Weighted average number of common shares:
      Basic                                              7,120,183         7,087,641
                                                       ===========       ===========
      Diluted                                            7,194,694         7,094,558
                                                       ===========       ===========
</TABLE>




See accompanying notes to condensed consolidated financial statements.


                                        4
<PAGE>


                         FIND/SVP, INC. AND SUBSIDIARIES
                 Condensed Consolidated Statements of Operations
                                   (unaudited)
                        Three months ended September 30,


<TABLE>
<CAPTION>
                                                            1999             1998
                                                            ----             ----
<S>                                                     <C>               <C>
Revenues                                                $5,764,000        $6,422,000
                                                        ----------        ----------

Operating expenses:
   Direct costs                                          2,816,000         3,135,000
   Selling, general and administrative expenses          2,762,000         2,993,000
                                                        ----------        ----------
      Operating income                                     186,000           294,000

Interest income                                             17,000            36,000
Gain on sale of assets                                        --              20,000
Interest expense                                          (105,000)         (128,000)
                                                        ----------        ----------
      Income before provision for income taxes              98,000           222,000
Provision for income taxes                                  12,000           103,000
                                                        ----------        ----------
      Net income                                        $   86,000        $  119,000
                                                        ==========        ==========
Earnings per common share:
      Basic                                             $     0.01        $     0.02
                                                        ==========        ==========
      Diluted                                           $     0.01        $     0.02
                                                        ==========        ==========
Weighted average number of common shares:
      Basic                                              7,121,794         7,112,594
                                                        ==========        ==========
      Diluted                                            7,221,851         7,123,593
                                                        ==========        ==========
</TABLE>



See accompanying notes to condensed consolidated financial statements.


                                       5
<PAGE>


                         FIND/SVP, INC. AND SUBSIDIARIES
                Condensed Consolidated Statements of Cash Flows
                                   (unaudited)
                        Nine months ended September 30,
<TABLE>
<CAPTION>
                                                                                  1999           1998
                                                                                  ----           ----
<S>                                                                             <C>         <C>
Cash flows from operating activities:
      Net  income                                                             $      --      $  401,000
                                                                              -----------    ----------
      Adjustments to reconcile net income to net cash (used in)
         provided by operating activities:
           Depreciation and amortization                                          834,000       892,000
           Gain on sale of assets                                                    --         (20,000)
           Provision for losses on accounts receivable                             60,000       136,000
           Decrease in assets held for sale                                          --          99,000
           Changes in assets and liabilities:
              (Increase) decrease in accounts receivable                         (188,000)    1,206,000
              Decrease in prepaid and refundable income taxes                        --          21,000
              (Increase) decrease in deferred tax assets                          (21,000)      342,000
              Decrease (increase) in prepaid expenses                              98,000       (66,000)
              Increase in other assets                                           (225,000)     (165,000)
              Increase (decrease) in accounts payable                              31,000      (770,000)
              (Decrease) increase in accrued expenses and
                 other current liabilities                                       (477,000)      224,000
              Increase (decrease) in unearned retainer income                      43,000      (122,000)
              Decrease in other liabilities                                      (290,000)      (57,000)
                                                                              -----------    ----------
              Total adjustments                                                  (135,000)    1,720,000
                                                                              -----------    ----------
              Net cash (used in) provided by operating activities                (135,000)    2,121,000
                                                                              -----------    ----------

Cash flows from investing activities:
      Capital expenditures                                                       (556,000)     (431,000)
      Proceeds from sale of net assets                                               --       1,250,000
      Other                                                                       200,000        89,000
                                                                              -----------    ----------
           Net cash (used in) provided by investing activities                   (356,000)      908,000
                                                                              -----------    ----------
Cash flows from financing activities:
      Principal payments under notes payable                                     (850,000)   (1,624,000)
      Proceeds from issuance of convertible note-related party                       --         250,000
      Proceeds from issuance of common stock                                        7,000       764,000
      Payments to acquire treasury stock                                             --        (206,000)
      Proceeds from insurance company, net of expenses                               --         206,000
                                                                              -----------    ----------
              Net cash used in financing activities                              (843,000)     (610,000)
                                                                              -----------    ----------
                 Net (decrease) increase in cash                               (1,334,000)    2,419,000
Cash at beginning of period                                                     2,307,000       139,000
                                                                              -----------    ----------
Cash at end of period                                                         $   973,000    $2,558,000
                                                                              ===========    ==========
Non-cash financing activities:
      Conversion of note into common stock                                    $      --      $  250,000
                                                                              ===========    ==========
</TABLE>
See accompanying notes to condensed consolidated financial statements.





                                       6
<PAGE>



                         FIND/SVP, INC. AND SUBSIDIARIES
                        Notes to Condensed Consolidated Financial Statements
                                   (unaudited)

A. MANAGEMENT'S STATEMENT

In the opinion of Management,  the accompanying condensed consolidated financial
statements  contain all normal and  recurring  adjustments  necessary to present
fairly  the  financial  position  at  September  30,  1999,  and the  results of
operations  for the nine and three month  periods  ended  September 30, 1999 and
1998 and cash flows for the nine month period ended September 30, 1999 and 1998.
Operating  results for the nine and three month periods ended September 30, 1999
are not necessarily  indicative of the results that may be expected for the year
ended December 31, 1999.

FIND/SVP,  Inc. (the "Company") has reclassified  certain prior year balances to
conform with the current presentation.

Certain  information  and footnote  disclosures  normally  included in financial
statements prepared in accordance with generally accepted accounting  principles
have  been  condensed  or  omitted.   It  is  suggested  that  these   condensed
consolidated  financial  statements be read in conjunction with the consolidated
financial  statements  and notes  thereto for the year ended  December  31, 1998
included in the Company's 1998 Annual Report on Form 10-K.

B. EARNINGS (LOSS) PER SHARE

For the nine and three  month  periods  ended  September  30,  1999,  there were
7,120,183 and 7,121,794 weighted average shares outstanding,  respectively.  For
the nine and three month periods ended September 30, 1998,  there were 7,087,641
and 7,112,594 weighted average common shares outstanding,  respectively. For the
nine and three month periods ended September 30, 1999,  weighted  average shares
used to determine  diluted  earnings  per share were  7,194,694  and  7,221,851,
respectively.  For the nine and three month  periods  ended  September 30, 1998,
weighted  average  shares  used to  determine  diluted  earnings  per share were
7,094,558 and 7,123,593, respectively. The dilution in such periods included the
assumed  conversion of stock options and warrants  whose exercise price was less
than the average market price of the common shares during the respective period,
and certain additional  dilutive effects of exercised,  terminated and cancelled
stock options.

Options and warrants to purchase  2,018,635 and  1,995,635  common shares during
the nine and three month periods ended  September  30, 1999,  respectively,  and
options and warrants to purchase  2,601,445 and  2,474,960  common shares during
the nine and three month periods ended  September 30, 1998,  respectively,  were
excluded from the computation of diluted earnings per share because the exercise
price of such options and warrants was greater than the average  market price of
common shares during the respective period.

C. BORROWINGS

During  the  quarter  ended  March  31,  1999,  the  Company  paid in  full  its
outstanding  borrowings  under  five-year  Term Notes with State Street Bank and
Trust (the "Bank") in the amount of $850,000.  Additionally,  during March 1999,
the Company  decided not to renew its line of credit with the Bank to  eliminate
the expense of the stand-by letters of credit provided by SVP, S.A.  ("SVP"),  a
major  shareholder  of the  Company,  as  security  on the debt  agreements.  In
connection  with the payment of the


                                       7
<PAGE>

Term Notes and the  decision to not renew its line of credit with the Bank,  the
Bank released two $1 million standby letters of credit provided by SVP.

During the nine month period ended September 30, 1999, the Company paid $442,000
of interest related to its borrowings  under debt agreements with investors,  to
fully fund interest payments which, by agreement, were permitted to be deferred.

D. INCOME TAXES

The $10,000  provision for income taxes for the nine months ended  September 30,
1999 represents 100% of income before provision for income taxes as of September
30, 1999.  The  difference  between this rate and the  statutory  rate of 34% is
primarily  the  effect of  expenses  which are not  deductible  for  income  tax
purposes.  The effective tax rate was 46% as of September 30, 1998 and consisted
of federal, state and local income taxes.

E. SEGMENT REPORTING

The Company  currently  operates  primarily in one business  segment,  providing
consulting and business  advisory  services  including the Quick  Consulting and
Research  Service  ("QCS") which  provides  retainer  clients with access to the
expertise of the Company's  staff and information  resources;  and the Strategic
Consulting and Research Group ("SCRG") which provides more  extensive,  in-depth
custom market  research and  competitive  intelligence  information,  as well as
customer  satisfaction  and loyalty  programs.  Prior to the  divestiture in the
third quarter of 1998, the Company had an additional segment, Published Research
Products.  The Company  considers  its QCS and SCRG  service  activities,  which
operate  as a  "Consulting  and  Business  Advisory"  business,  to be its  core
competency.
<TABLE>
<CAPTION>
----------------------------------------------------------------------------------------------
(amounts in thousands)                       NINE MONTHS ENDED         THREE MONTHS ENDED
                                               SEPTEMBER 30               SEPTEMBER 30
                                               ------------               ------------
                                           1999           1998         1999          1998
                                           ----           ----         ----          ----
<S>                                          <C>           <C>            <C>          <C>
REVENUES
  Consulting and Business Advisory            $16,815       $19,951        $5,764      $6,422
  Published Research Products                      --         2,538            --          --
                                        ======================================================
                                              $16,815       $22,489        $5,764      $6,422
                                        ======================================================

OPERATING INCOME (LOSS)
  Consulting and Business Advisory (1)         $  295        $  978         $ 186       $ 294
  Published Research Products                      --            40            --          --
                                        ------------------------------------------------------
    Segment operating income                      295         1,018           186         294
  Corporate and other (2)                       (285)         (275)          (88)        (72)
                                        ======================================================
    Income before provision for
    income taxes                               $   10        $  743         $  98       $ 222
                                        ======================================================

(1)  Operating  income for the nine months ended  September  30, 1998 includes a
$321,000 restructuring charge for severance and related costs.

(2)  Consists of  interest  income,  other  income,  interest  expense and other
expense.
----------------------------------------------------------------------------------------------
</TABLE>

                                       8
<PAGE>



F. DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES

In June 1998,  Statement of  Financial  Accounting  Standards  ("SFAS") No. 133,
"Accounting for Derivative Instruments and Hedging Activities", was issued. SFAS
No.  133   established   accounting  and  reporting   standards  for  derivative
instruments  and for hedging  activities.  The Company intends to adopt SFAS No.
133 on  January  1, 2001.  At the  current  time the  Company  does not  utilize
derivative  instruments,  and accordingly it is anticipated that the adoption of
SFAS No. 133 will not affect the Company's  consolidated  financial position and
results of operations.



                                       9
<PAGE>

                                    ITEM 2.
    MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
                                 OF OPERATIONS

Nine and three months ended September 30, 1999 compared to nine and three months
ended September 30, 1998.

GENERAL

FIND/SVP,  Inc. provides a broad consulting,  advisory and business intelligence
service to executives and other  decision-making  employees of client companies,
primarily in the United States.  The Company currently operates primarily in one
business segment,  providing consulting and business advisory services including
the Quick  Consulting  and Research  Service  ("QCS")  which  provides  retainer
clients with access to the  expertise  of the  Company's  staff and  information
resources;  and the  Strategic  Consulting  and Research  Group  ("SCRG")  which
provides  more  extensive,  in-depth  custom  market  research  and  competitive
intelligence information, as well as customer satisfaction and loyalty programs.
Prior to the  divestiture  in the third  quarter  of 1998,  the  Company  had an
additional segment,  Published Research Products ("PRP").  The Company considers
its QCS and SCRG service activities, which operate as a "Consulting and Business
Advisory" ("CBA") business, to be its core competency.

SEGMENT REPORTING

The Company's segment data for the nine and three-month  periods ended September
30, 1999 and 1998 is as follows:
<TABLE>
<CAPTION>
--------------------------------------- ------------------------------ -------------------------
(amounts in thousands)                        NINE MONTHS ENDED          THREE MONTHS ENDED
                                                SEPTEMBER 30                 SEPTEMBER 30
                                                ------------                 ------------
                                            1999            1998           1999         1998
                                            ----            ----           ----         ----
<S>                                           <C>             <C>            <C>         <C>
REVENUES
  Consulting and Business Advisory            $16,815         $19,951        $5,764      $6,422
  Published Research Products                      --           2,538            --          --
                                        ========================================================
                                              $16,815         $22,489        $5,764      $6,422
                                        ========================================================

OPERATING INCOME (LOSS)
  Consulting and Business Advisory (1)         $  295          $  978         $ 186       $ 294
  Published Research Products                      --              40            --          --
                                        --------------------------------------------------------
    Segment operating income                      295           1,018           186         294
  Corporate and other (2)                       (285)           (275)          (88)        (72)
                                        ========================================================
    Income before provision for
    income taxes                               $   10          $  743         $  98       $ 222
                                        ========================================================

(1)  Operating  income for the nine months ended  September  30, 1998 includes a
$321,000  restructuring  charge for severance and related costs.

(2)  Consists of  interest  income,  other  income,  interest  expense and other
expense.
------------------------------------------------------------------------------------------------
</TABLE>

REVENUES

 The Company's  revenues decreased by $5,674,000 or 25.2% to $16,815,000 for the
nine-month  period ended September 30, 1999 from  $22,489,000 for the nine-month
period  ended  September  30,  1998,  and  decreased  by  $658,000  or  10.3% to
$5,764,000 for the  three-month  period ended September 30, 1999 from $6,422,000
for the  three-month  period  ended  September  30,  1998.  The decrease for the
nine-month period ended September 30, 1999 was due to the divestiture of the PRP
activities  completed


                                       10
<PAGE>

during the third  quarter of 1998 and a decline in  revenues of 15.7% in the CBA
segment. See discussion below regarding the decline in CBA revenues for the nine
and three-month periods ended September 30, 1999.

QCS accounted for 82.2% and 69.9%, and SCRG accounted for 16.7% and 18.2% of the
Company's revenues for the nine-month periods ended September 30, 1999 and 1998,
respectively. QCS accounted for 79.2% and 79.8%, and SCRG accounted for 19.2% of
the Company's revenues for the three-month  periods ended September 30, 1999 and
1998, respectively.  QCS revenues decreased by 12.1% and SCRG revenues decreased
by 31.2% for the nine-month  period ended September 30, 1999, as compared to the
comparable  period of the prior year.  QCS revenues  decreased by 10.9% and SCRG
revenues decreased by 10.6% for the three-month period ended September 30, 1999,
as compared to the comparable period of the prior year.

The  decrease in QCS was due  primarily to a reduction in the number of retainer
clients and a reduction in the retainer base (the  recognized  monthly  retainer
revenue)  during the nine-month  period ended  September 30, 1999 as compared to
the  comparable  period of the prior year.  During the  nine-month  period ended
September 30, 1999 QCS  experienced  a 2.8%  reduction in the number of retainer
clients and a 1.9% reduction in the retainer base. During the three-month period
ended  September 30, 1999 the Company  experienced a 2.1% increase in the number
of retainer  clients and a 2.7% increase in the retainer base. The retainer base
at  September  30, 1999 is 7.7% below the retainer  base at September  30, 1998.
Until the retainer base is brought back to previous levels,  the Company expects
revenues  to decline  in QCS on a current  year  quarter  to prior year  quarter
comparative  basis.  The  decrease in SCRG  revenues is  primarily  due to staff
turnover during 1998, which affected the marketing  efforts of SCRG. The Company
believes the staff turnover in this area is now under  control,  and the decline
in revenue of 10.6% for the quarter ended September 30, 1999, as compared to the
same period in the prior year, is an improvement  over the revenue  declines for
the quarters ended June 30, 1999, of 24.4%, and March 31, 1999, of 53.1%.

DIRECT COSTS

Direct costs  decreased by 24.7% or $2,804,000 to $8,564,000  for the nine-month
period ended  September 30, 1999,  from  $11,368,000  for the nine-month  period
ended  September  30,  1998.  Direct  costs  decreased  by 10.2% or  $319,000 to
$2,816,000 for the three-month  period ended September 30, 1999, from $3,135,000
for the  three-month  period ended September 30, 1998. As a percent of revenues,
direct costs  increased to 50.9% for the nine-month  period ended  September 30,
1999, from 50.6% for the corresponding period in 1998. As a percent of revenues,
direct costs increased to 48.9% for the  three-month  period ended September 30,
1999,  from 48.8% for the  corresponding  period in 1998.  The decrease in total
direct costs was due primarily to the divestiture of the PRP  activities,  which
was  completed in the third quarter of 1998,  and a general  reduction of direct
operating  expenses  relating to the decreased  revenues in CBA. The increase in
direct costs as a percent of revenues was due  primarily to the reduced level of
CBA revenues during the period as compared to the same period in the prior year.

SELLING, GENERAL AND ADMINISTRATIVE EXPENSES

Selling,  general and administrative expenses declined by 18.7% or $1,826,000 to
$7,956,000 for the nine-month  period ended  September 30, 1999, from $9,782,000
for the  nine-month  period  ended  September  30,  1998.  Selling,  general and
administrative  expenses  declined  by 7.7% or $231,000  to  $2,762,000  for the
three-month period ended September 30, 1999, from $2,993,000 for the three-month
period ended September 30, 1998. As a percent of revenues,  selling, general and
administrative


                                       11
<PAGE>

expenses  increased to 47.3% for the nine-month period ended September 30, 1999,
from  43.5% for the  corresponding  period in 1998.  As a percent  of  revenues,
selling,  general  and  administrative  expenses  increased  to  47.9%  for  the
three-month  period ended September 30, 1999,  from 46.6% for the  corresponding
period in 1998. The decrease in selling,  general and administrative expenses is
due primarily to the  divestiture  of the PRP  activities,  the reduction of the
general  and  administrative  staff  and  the  continued  reduction  of  general
operating expenses. The increase in selling, general and administrative expenses
as a percent of revenues was due  primarily to the reduced level of CBA revenues
during the period as compared to the same period in the prior year, coupled with
an  increase in the size of the sales  force in QCS and an  increased  marketing
effort in both QCS and SCRG.

RESTRUCTURING CHARGE

On March 27, 1998,  the Company  reduced its  full-time  labor force in its core
business by 20  positions.  As a result,  the Company  recorded a  restructuring
charge of $321,000 during the quarter ended March 31, 1998. The charge consisted
mainly of  severance  payments,  which  were fully paid by  February  15,  1999,
outplacement  services and legal costs  associated  with the  elimination of the
positions.

OPERATING INCOME

The Company had operating income of $295,000 for the nine months ended September
30, 1999,  as compared to  operating  income of  $1,018,000  for the nine months
ended  September 30, 1998. The Company had operating  income of $186,000 for the
three  months ended  September  30,  1999,  as compared to  operating  income of
$294,000 for the three months ended  September  30, 1998.  The nine months ended
September 30, 1998 included a pre-tax  restructuring  charge of $321,000 related
to a reduction in its full time labor force.  During the nine month period ended
September  30, 1999,  all  operating  income was derived from the CBA segment as
compared  to the  nine-month  period  ended  September  30,  1998  when  CBA had
operating income of $978,000,  including the $321,000  restructuring charge, and
PRP had  operating  income of  $40,000.  During the  three-month  periods  ended
September  30,  1999 and 1998 all  operating  income  was  derived  from the CBA
segment. The decline in operating income during the nine and three month periods
ended  September  30, 1999 is  primarily  due to the decrease in CBA revenues as
compared to the same periods in 1998, and the factors discussed in the preceding
paragraphs.

INTEREST INCOME AND EXPENSE

During the nine months ended  September 30, 1999,  the Company earned $72,000 in
interest income,  which increased from $51,000 in 1998.  During the three months
ended September 30, 1999, the Company earned $17,000 in interest  income,  which
decreased from $36,000 in 1998. The increase during the nine-month  period ended
September 30, 1999, as compared to the  comparable  period of 1998, was a result
of the increased cash balance during the first six months of 1999 as compared to
the same period of 1998,  coupled with interest earned on notes receivable.  The
decrease during the three-month  period ended September 30, 1999, as compared to
the  comparable  period of 1998,  was a result of lower cash  balances and lower
notes  receivable  balances  during the third quarter of 1999 as compared to the
third quarter of 1998.

Interest  expense was $357,000 for the  nine-month  period ended  September  30,
1999,  which was a decrease from $395,000 for the same period in 1998.  Interest
expense was $105,000 for the three-month  period ended September 30, 1999, which
was a decrease from  $128,000 for the same period in 1998.  The decrease in 1999
was a result of the payment in full of outstanding  Term Notes with the Bank and


                                       12
<PAGE>

the payment of deferred  interest  related to its debt agreements with investors
during 1999 (see Liquidity and Capital Resources).

OTHER INCOME AND EXPENSE

On May 29, 1998,  the Company signed an agreement with its landlord to terminate
its lease for  approximately  10,000  square feet of space on the third floor of
641 Avenue of the Americas.  The Company received $75,000 in consideration  from
the landlord for this  transaction,  and accordingly,  recorded $75,000 of other
income during the quarter ended September 30, 1998. During the fourth quarter of
1997,  in connection  with ceasing the  operation of a  subsidiary,  the Company
accrued  rent on this space  through  March 31,  1998,  in  anticipation  of the
termination  of this lease.  Accordingly,  the rent and related  expenses  after
March 31, 1998, through the date of the aforementioned agreement, of $26,000 was
recorded as other expenses during the quarter ended March 31, 1998.

During  the  first  quarter  of 1998,  the  Company  entered  into a  settlement
agreement regarding a shareholder lawsuit,  which began during 1997, pursuant to
which the suit was dismissed  with  prejudice.  As part of the  settlement,  the
Company  purchased  274,400  shares  of the  Company's  Common  Stock  from  the
plaintiff for $1.25 per share, totaling $343,000. The purchase price contained a
premium of $0.50 per share over the closing trade price of the Company's  Common
Stock on the date of  settlement,  or  $137,000.  As a result of the above,  the
Company recorded treasury stock of $206,000 and expense of $137,000. The Company
used proceeds from its insurance  company of $495,000 to purchase the shares and
to pay  plaintiff  and Company legal fees in the amount of $110,000 and $42,000,
respectively.  Accordingly,  the Company recorded other income and other expense
of $289,000, respectively, related to this matter, with the remaining balance of
$206,000 offset against the  aforementioned  treasury stock  repurchase  amount,
thus reducing the net treasury stock transaction to zero.

LIQUIDITY AND CAPITAL RESOURCES

The Company's  working capital  decreased by $607,000 to $1,962,000 on September
30, 1999 from  $2,569,000 on December 31, 1998.  Cash balances were $973,000 and
$2,307,000 on September 30, 1999 and December 31, 1998, respectively.

During the nine-month  period ended September 30, 1999, the Company paid in full
its  outstanding  borrowings  under  five-year  Term  Notes with the Bank in the
amount of $850,000.  In addition,  the Company paid the interest  related to its
debt  agreements  with  investors  which,  by  agreement,  was  permitted  to be
deferred, in the amount of $442,000.  During March 1999, the Company decided not
to renew  its line of  credit  with the Bank to  eliminate  the  expense  of the
stand-by  letters of credit provided by SVP as security on the debt  agreements.
In  connection  with the payment of the Term Notes and the decision to not renew
its line of credit  with the Bank,  the Bank  released  two $1  million  standby
letters of credit provided by SVP.

The  Company  has agreed in  principal  with a  financial  institution  for a $1
million line of credit.  It is anticipated  that the agreement will be completed
in the  fourth  quarter of 1999.  However,  no  assurance  can be given that the
transaction will be formalized.

The Company anticipates spending approximately $150,000 for capital expenditures
for the remainder of 1999 and less than $750,000 for 2000.  The major portion of
these  expenditures  will be for the continued  enhancement of internal software
and computer equipment.

                                       13
<PAGE>

The Company believes that its current cash balance and cash flow from operations
will be sufficient to cover its expected  capital  expenditures  for the next 12
months and that it will have sufficient liquidity for the next 12 months.

MARKET FOR COMPANY'S COMMON EQUITY

On April 27,  1999,  the Company  received  notification  from the NASDAQ  Stock
Market,  Inc.  ("NASDAQ")  that the Company was not in compliance  with NASDAQ's
$1.00 minimum bid price  requirement,  the shares of the Company's  Common Stock
having closed below the minimum bid price for 30  consecutive  business days. To
regain compliance with this standard the Company's Common Stock needed to have a
closing bid price at or above $1.00 for ten consecutive  trading days within the
90- calendar day period  following the advent of  non-compliance.  On August 11,
1999 the Company  received  notification  from NASDAQ that the Company's  Common
Stock  has  been  found  to be in  compliance  with  the bid  price  requirement
necessary for continued  listing.  The Company also had received  non-compliance
notifications  on January  21, 1999 and during the first  quarter of 1998.  With
respect to those notifications,  the Company's Common Stock subsequently met the
required minimum bid price for ten consecutive trading days.

The Company's  failure to meet NASDAQ's  maintenance  criteria in the future may
result in the  discontinuance  of the inclusion of its securities in NASDAQ.  In
such event, trading, if any, in the securities may then continue to be conducted
in the non-NASDAQ  over-the-counter  market in what are commonly  referred to as
the electronic  bulletin board and the "pink sheets".  As a result,  an investor
may find it more difficult to dispose of or to obtain accurate  quotations as to
the market value of the securities. In addition, the Company would be subject to
a Rule  promulgated  by the  Securities  and Exchange  Commission  that,  if the
Company fails to meet criteria set forth in such Rule,  imposes various practice
requirements  on  broker-dealers  who sell  securities  governed  by the Rule to
persons other than  established  customers and accredited  investors.  For these
types  of  transactions,  the  broker-dealer  must  make a  special  suitability
determination  for the  purchaser  and have  received  the  purchaser's  written
consent to the transactions  prior to sale.  Consequently,  the Rule may have an
adverse effect on the ability of brokers-dealers  to sell the securities,  which
may affect the ability of  shareholders  to sell the securities in the secondary
market.

YEAR 2000 COMPLIANCE

The Year 2000 issue is the result of computer  programs  that were written using
only two digits,  rather than four, to represent a year. Date sensitive software
or hardware  may not be able to  distinguish  between 1900 and 2000 and programs
that perform  arithmetic  operations,  comparisons or sorting of date fields may
begin yielding incorrect results.  This could potentially cause a system failure
or miscalculations that could disrupt operations.

FIND/SVP's  management has conducted a review of FIND/SVP's exposure to the Year
2000 problem,  and believes that its systems are currently Year 2000  compliant.
Comprehensive  testing of all critical  internal systems has been conducted in a
simulated Year 2000 environment, with no apparent critical problems.

The Company  believes that the area of greatest risk to the Company  surrounding
the Year 2000 issue relates to significant suppliers' failing to remediate their
Year 2000 issues in a timely manner.  The Company has relationships with certain
significant  suppliers.  These relationships may be material in the aggregate to
the  Company.  The  Company  relies on  suppliers  to  deliver a broad  range of
services,


                                       14
<PAGE>

including Internet access,  online search capabilities,  supplies of promotional
materials  and  paper,   warehouse   facilities,   lettershops   which  assemble
promotional    mailings,    postal   delivery   services,    banking   services,
telecommunications  and  electricity.  The  Company  has  communicated  with its
significant  suppliers  to  determine  the extent to which it may be affected by
those third  parties'  plans to remediate  their own Year 2000 issue in a timely
manner. The level of preparedness of significant  suppliers can vary greatly and
FIND/SVP does not have any control over third parties'  compliance.  If a number
of significant suppliers are not Year 2000 compliant, this could have a material
adverse  effect on the Company's  results of operations,  financial  position or
cash flow.

The Company has  developed  contingency  plans,  and  continues  to review those
plans,  to  mitigate  the effects of the  Company's  or  significant  suppliers'
potential  failure to remediate the Year 2000 issue in a timely manner.  If this
occurs the Company would take appropriate  actions.  Such actions include having
arrangements for alternate suppliers,  re-running the processes if errors occur,
using  manual  intervention  to ensure  the  continuation  of  operations  where
necessary, and scheduling activity in December 1999 that would normally occur at
the beginning of January  2000. If it becomes  necessary for the Company to take
these  corrective  actions,  it  is  uncertain  whether  this  would  result  in
significant  delays in business  operations or have a material adverse effect on
the Company's results of operations, financial position or cash flow.

The total cost of the Company's  remediation  plan is estimated at approximately
$50,000,  excluding  internal costs, and is being funded through  operating cash
flows.  As of  September  30,  1999,  $40,000 has been spent on testing,  and on
remediation software and hardware.

INFLATION

The Company has in the past been able to increase  the price of its products and
services  sufficiently  to offset the  effects of  inflation  on wages and other
expenses, and anticipates that it will be able to do so in the future.

FORWARD LOOKING INFORMATION: CERTAIN CAUTIONARY STATEMENTS

Certain statements  contained in this  "Management's  Discussion and Analysis of
Financial  Condition and Results of Operations"  and elsewhere in this Form 10-Q
that are not  related to  historical  results are  forward  looking  statements.
Actual  results may differ  materially  from those  projected  or implied in the
forward  looking  statements.  The  forward  looking  statements  are based upon
assumptions of future events, which may not prove to be accurate.  These forward
looking statements involve risks and uncertainties, including but not limited to
the Company's dependence on regulatory approvals,  its future cash flows, sales,
gross margins and operating  costs, the effect of conditions in the industry and
the  economy in  general,  and legal  proceedings.  Subsequent  written and oral
forward looking statements  attributable to the Company or persons acting on its
behalf are expressly  qualified in their  entirety by  cautionary  statements in
this  paragraph and  elsewhere in this Form 10-Q,  and in other reports filed by
the Company with the Securities and Exchange Commission.


                                       15
<PAGE>

                                     ITEM 3.
           QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

There has been no material change in the Company's assessment of its sensitivity
to market risk as of September 30, 1999, as compared to the information included
in Part II, Item 7A,  "Quantitative  and  Qualitative  Disclosures  About Market
Risk", of the Company's Form 10-K for the year ended December 31, 1998, as filed
with the Securities and Exchange Commission on March 30, 1999.




                                       16
<PAGE>



                                    PART II.
                                OTHER INFORMATION

                                     ITEM 4.
                         SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

The Company held its annual meeting of  shareholders on July 9, 1999, at which a
quorum was present.  The  shareholders  voted to elect  directors and ratify the
selection  of  auditors.  The  shareholders  also  voted to amend the  Company's
Certificate  of  Incorporation  to effect a one for two, one for three,  one for
four or one for five reverse stock split of the issued and outstanding shares of
common  stock,  par  value  $0.0001  per  share,  with  one,  if  any,  of  such
alternatives to be approved by the Board of Directors of the Company.

With respect to the amendment of the  Certificate  of  Incorporation,  5,748,404
shares voted for,  80,973  shares voted  against,  8,043  shares  abstained  and
1,284,249 shares did not vote.


                                     ITEM 6.
                        EXHIBITS AND REPORTS ON FORM 8-K

A. EXHIBITS

               27.  Financial Data Schedule

B. REPORTS ON FORM 8-K

               None.



                                       17
<PAGE>

                                   SIGNATURES


Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.



                                   FIND/SVP INC.
                                    (REGISTRANT)



Date:  November 10, 1999           /S/ ANDREW P. GARVIN
-------------------------          ---------------------------------------------
                                   Andrew P. Garvin
                                   Chief Executive Officer and President

Date: November 10, 1999            /S/ VICTOR L. CISARIO
-----------------------            ---------------------------------------------
                                   Victor L. Cisario
                                   Vice President and Chief Financial Officer
                                     (Principal Financial Officer
                                      and Principal Accounting Officer)



                                       18