HOLDING SAUTEREAU BERNARD CECILE - HSBC : revenue, balance sheet and financial ratios

HOLDING SAUTEREAU BERNARD CECILE - HSBC is a French company founded 11 years ago, specialized in the sector Gestion de fonds. Based in PELISSANNE (13330), this company of category PME shows in 2024 a revenue of 26 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-11

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Historique financier - HOLDING SAUTEREAU BERNARD CECILE - HSBC (SIREN 808623938)
Kennzahl 2024 2023 2022 2021 2020 2019 2018 2017 2016
Umsatz 25 900 € 22 200 € 22 200 € 22 200 € 18 500 € 18 500 € 22 200 € N/C N/C
Nettoergebnis 47 210 € 37 060 € 20 926 € 8 029 € 42 373 € 34 085 € 103 936 € -11 883 € -19 369 €
EBITDA 13 877 € -27 292 € -10 778 € -17 646 € -9 667 € 2 840 € 11 910 € -21 883 € -52 265 €
Nettomarge 182.3% 166.9% 94.3% 36.2% 229.0% 184.2% 468.2% N/C N/C

Umsatz und Gewinn- und Verlustrechnung

In 2024, HOLDING SAUTEREAU BERNARD CECILE - HSBC achieves revenue of 26 k€. Revenue is growing positively over 9 years (CAGR: +2.6%). Vs 2023, growth of +17% (22 k€ -> 26 k€). After deducting consumption (0 €), gross margin stands at 26 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 14 k€, representing 53.6% of revenue. Positive scissor effect: EBITDA margin improves by +176.5 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 47 k€, i.e. 182.3% of revenue. This profit can be retained or distributed to shareholders.

Umsatz (2024) ?
Umsatz
Definition
Gesamtbetrag der Verkäufe von Waren und Dienstleistungen des Unternehmens.
Formel
Warenverkäufe + Verkaufte Produktion

25 900 €

Bruttomarge (2024) ?
Bruttomarge
Definition
Differenz zwischen Umsatz und Wareneinsatz.
Formel
Umsatz - Wareneinsatz

25 900 €

EBITDA (2024) ?
EBITDA (Betriebsergebnis vor Abschreibungen)
Definition
Ressource générée par l'activité courante, avant amortissements et charges financières.
Formel
Wertschöpfung - Personalkosten - Steuern
Interpretation
Positiv = rentable Tätigkeit

13 877 €

EBIT (2024) ?
EBIT (Betriebsergebnis)
Definition
Betriebsergebnis, einschließlich Abschreibungen und Rückstellungen.
Formel
EBITDA - Abschreibungen und Rückstellungen + Auflösungen

13 877 €

Nettoergebnis (2024) ?
Nettoergebnis
Definition
Bénéfice ou perte après toutes les charges, y compris impôts et éléments exceptionnels.
Formel
Ordentliches Ergebnis + Außerordentliches Ergebnis - Ertragsteuern

47 210 €

EBITDA-Marge (2024) ?
EBITDA-Marge
Definition
Misst die operative Rentabilität des Unternehmens.
Formel
(EBE / CA) x 100
Interpretation
> 10% : Gute Rentabilität
5-10% : Durchschnitt
< 5% : Faible

53.6%

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Solvenz- und Verschuldungskennzahlen

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 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 182.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Verschuldungsgrad (2024) ?
Verschuldungsgrad
Definition
Misst das Verhältnis von Schulden zu Eigenkapital.
Formel
(Finanzschulden / Eigenkapital) x 100
Interpretation
< 50% : Faible
50-100% : Moderat
> 100% : Hoch

0.0%

Finanzielle Autonomie (2024) ?
Finanzielle Autonomie
Definition
Anteil des Eigenkapitals an der Gesamtfinanzierung.
Formel
(Eigenkapital / Bilanzsumme) x 100
Interpretation
> 30% : Gute Autonomie
20-30% : Durchschnitt
< 20% : Faible

0.0%

Cashflow / Umsatz (2024) ?
Cashflow / Umsatz
Definition
Capacité d'autofinancement rapportée au chiffre d'affaires.
Formel
(CAF / CA) x 100
Interpretation
Je höher das Verhältnis, desto mehr Liquidität generiert das Unternehmen

182.278%

Rückzahlungsfähigkeit (2024) ?
Rückzahlungsfähigkeit
Definition
Anzahl der Jahre zur Schuldenrückzahlung mit dem Cashflow.
Formel
Dettes financières / CAF
Interpretation
< 3 Jahre : Ausgezeichnet
3-5 Jahre : Angemessen
> 5 Jahre : Attention

0.0

Entwicklung der Solvenzkennzahlen
HOLDING SAUTEREAU BERNARD CECILE - HSBC

Positionnement sectoriel

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Méd: 8.28
Q3: 92.71
Excellent -25 pts über 3 Jahre

In 2024, the debt ratio of HOLDING SAUTEREAU BERNARD... (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
0.0% 2024
2022
2023
2024
Q1: 4.63%
Méd: 48.43%
Q3: 87.31%
Average

In 2024, the financial autonomy of HOLDING SAUTEREAU BERNARD... (0.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
0.0 years 2024
2022
2023
2024
Q1: -0.01 years
Méd: 0.0 years
Q3: 3.01 years
Good

In 2024, the repayment capacity of HOLDING SAUTEREAU BERNARD... (0.00) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquiditätskennzahlen

The liquidity ratio (= Current assets / Current liabilities) stands at 468.11. 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 0.3x. Danger: operating income does not cover interest charges, unsustainable situation.

Liquiditätsquote (2024) ?
Liquiditätsquote
Definition
Fähigkeit, kurzfristige Schulden mit dem Umlaufvermögen zu decken.
Formel
Umlaufvermögen / Kurzfristige Verbindlichkeiten
Interpretation
> 1.5 : Sehr gut
1-1.5 : Angemessen
< 1 : Risque de liquidité

468.111

Zinsdeckung (2024) ?
Zinsdeckung
Definition
Fähigkeit, Zinsaufwendungen mit dem Betriebsergebnis zu decken.
Formel
EBIT / Zinsaufwendungen
Interpretation
> 3 : Komfortabel
1.5-3 : Acceptable
< 1.5 : Risiko

0.324

Entwicklung der Liquiditätskennzahlen
HOLDING SAUTEREAU BERNARD CECILE - HSBC

Positionnement sectoriel

Liquidity ratio
468.11 2024
2022
2023
2024
Q1: 100.71
Méd: 472.45
Q3: 3122.85
Average

In 2024, the liquidity ratio of HOLDING SAUTEREAU BERNARD... (468.11) 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.

Interest coverage
0.32x 2024
2022
2023
2024
Q1: -71.11x
Méd: 0.0x
Q3: 0.0x
Excellent +28 pts über 3 Jahre

In 2024, the interest coverage of HOLDING SAUTEREAU BERNARD... (0.3x) 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.

Umlaufvermögensbedarf und Zahlungsfristen

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 51 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 243 days. Excellent situation: suppliers finance 192 days of the operating cycle (retail model). Overall, WCR represents 6222 days of revenue, i.e. 448 k€ to permanently finance.

Operatives Working Capital (2024) ?
Operatives Working Capital
Definition
Besoin de financement généré par le cycle d'exploitation (stocks + créances - dettes fournisseurs).
Formel
Stocks + Créances clients - Dettes fournisseurs
Interpretation
Negativ = freigesetzte Liquidität
Positiv = Finanzierungsbedarf

447 634 €

Kundenforderungen (2024) ?
Kundenforderungen (Tage)
Definition
Durchschnittliche Zahlungsfrist für Kunden.
Formel
(Kundenforderungen / Umsatz inkl. MwSt.) x 360
Interpretation
< 45j : Gut
45-60j : Durchschnitt
> 60j : Lang

51 j

Lieferantenverbindlichkeiten (2024) ?
Lieferantenverbindlichkeiten (Tage)
Definition
Durchschnittliche Zahlungsfrist von Lieferanten.
Formel
(Lieferantenverbindlichkeiten / Einkäufe inkl. MwSt.) x 360
Interpretation
Je länger die Frist, desto besser für die Liquidität

243 j

Lagerumschlag (2024) ?
Lagerumschlag (Tage)
Definition
Durchschnittliche Lagerdauer für Waren oder Materialien.
Formel
(Vorräte / Einkaufskosten) x 360
Interpretation
Je niedriger das Verhältnis, desto schneller der Umschlag

0 j

Working Capital in Umsatztagen (2024) ?
Working Capital in Umsatztagen
Definition
Drückt den Betriebskapitalbedarf in Umsatztagen aus.
Formel
(BFR exploitation / CA) x 360
Interpretation
Je weniger Tage, desto besser das Working Capital Management

6222 j

Entwicklung des Working Capital und der Zahlungsfristen
HOLDING SAUTEREAU BERNARD CECILE - HSBC

Positionnement de HOLDING SAUTEREAU BERNARD CECILE - HSBC dans son secteur

Vergleich mit der Branche Gestion de fonds

Bewertungsschätzung

Based on 62 transactions of similar company sales in 2024, the value of HOLDING SAUTEREAU BERNARD CECILE - HSBC is estimated at 105 442 € (range 31 392€ - 219 783€). With an EBITDA of 13 877€, the sector multiple of 4.8x is applied. The price/revenue ratio is 0.30x (conservative valuation). 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
62 tx
31k€ 105k€ 219k€
105 442 € Range: 31 392€ - 219 783€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
13 877 € × 4.8x
Estimation 66 578 €
20 707€ - 149 879€
Revenue Multiple 30%
25 900 € × 0.30x
Estimation 7 884 €
4 080€ - 21 953€
Net Income Multiple 20%
47 210 € × 7.4x
Estimation 348 941 €
99 073€ - 691 290€

Bewertungsentwicklung

How is this estimate calculated?

This estimate is based on the analysis of 62 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 (Gestion de fonds)

Compare HOLDING SAUTEREAU BERNARD CECILE - HSBC with other companies in the same sector:

Frequently asked questions about HOLDING SAUTEREAU BERNARD CECILE - HSBC

What is the revenue of HOLDING SAUTEREAU BERNARD CECILE - HSBC ?

The revenue of HOLDING SAUTEREAU BERNARD CECILE - HSBC in 2024 is 26 k€.

Is HOLDING SAUTEREAU BERNARD CECILE - HSBC profitable?

Yes, HOLDING SAUTEREAU BERNARD CECILE - HSBC generated a net profit of 47 k€ in 2024.

Where is the headquarters of HOLDING SAUTEREAU BERNARD CECILE - HSBC ?

The headquarters of HOLDING SAUTEREAU BERNARD CECILE - HSBC is located in PELISSANNE (13330), in the department Bouches-du-Rhone.

Where to find the tax return of HOLDING SAUTEREAU BERNARD CECILE - HSBC ?

The tax return of HOLDING SAUTEREAU BERNARD CECILE - HSBC 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 HOLDING SAUTEREAU BERNARD CECILE - HSBC operate?

HOLDING SAUTEREAU BERNARD CECILE - HSBC operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.