AUTOMOBILES SEVRE ET LOIRE : revenue, balance sheet and financial ratios

AUTOMOBILES SEVRE ET LOIRE is a French company founded 40 years ago, specialized in the sector Entretien et réparation de véhicules automobiles légers. Based in LE LOROUX-BOTTEREAU (44430), this company of category PME shows in 2023 a revenue of 2.3 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

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

Financial history - AUTOMOBILES SEVRE ET LOIRE (SIREN 332844521)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue N/C N/C 2 317 306 € 2 349 380 € N/C N/C N/C N/C N/C N/C
Net income -863 € 39 971 € 31 528 € 31 654 € 37 100 € 44 931 € 48 050 € 30 158 € 43 265 € 34 429 €
EBITDA N/C N/C -7 647 € 30 861 € N/C N/C N/C N/C N/C N/C
Net margin N/C N/C 1.4% 1.3% N/C N/C N/C N/C N/C N/C

Revenue and income statement

In 2025, AUTOMOBILES SEVRE ET LOIRE records a net loss of 863 €. This deficit will reduce equity on the balance sheet.

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-863 €

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 31%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 53%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

31.326%

Financial autonomy (2025) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

52.624%

Asset age ratio (2025) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

26.2%

Solvency indicators evolution
AUTOMOBILES SEVRE ET LOIRE

Sector positioning

Debt ratio
31.33 2025
2023
2024
2025
Q1: 6.43
Med: 21.42
Q3: 57.29
Average +5 pts over 3 years

In 2025, the debt ratio of AUTOMOBILES SEVRE ET LOIRE (31.33) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
52.62% 2025
2023
2024
2025
Q1: 33.91%
Med: 53.94%
Q3: 68.26%
Average

In 2025, the financial autonomy of AUTOMOBILES SEVRE ET LOIRE (52.6%) 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
-5.58 years 2023
2023
Q1: 0.0 years
Med: 0.6 years
Q3: 2.26 years
Excellent

In 2023, the repayment capacity of AUTOMOBILES SEVRE ET LOIRE (-5.58) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 195.74. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

195.744

Liquidity indicators evolution
AUTOMOBILES SEVRE ET LOIRE

Sector positioning

Liquidity ratio
195.74 2025
2023
2024
2025
Q1: 169.01
Med: 249.5
Q3: 362.3
Average -10 pts over 3 years

In 2025, the liquidity ratio of AUTOMOBILES SEVRE ET LOIRE (195.74) 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
-35.79x 2023
2023
Q1: 0.0x
Med: 0.64x
Q3: 3.56x
Watch

In 2023, the interest coverage of AUTOMOBILES SEVRE ET LOIRE (-35.8x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2025) ?
Operating WCR
Definition
Financing requirement generated by the operating cycle (inventory + receivables - trade payables).
Formula
Inventory + Customer receivables - Trade payables
Interpretation
Negative = cash released
Positive = financing needed

0 €

Customer credit (2025) ?
Customer credit (days)
Definition
Average payment term granted to customers.
Formula
(Customer receivables / Revenue incl. VAT) x 360
Interpretation
< 45j : Good
45-60j : Average
> 60j : Long

0 j

Supplier credit (2025) ?
Supplier credit (days)
Definition
Average payment term obtained from suppliers.
Formula
(Trade payables / Purchases incl. VAT) x 360
Interpretation
The longer the term, the better for cash flow

0 j

Inventory turnover (2025) ?
Inventory turnover (days)
Definition
Average storage duration for goods or materials.
Formula
(Inventory / Cost of goods) x 360
Interpretation
The lower the ratio, the faster the turnover

0 j

WCR and payment terms evolution
AUTOMOBILES SEVRE ET LOIRE

Positioning of AUTOMOBILES SEVRE ET LOIRE in its sector

Comparison with sector Entretien et réparation de véhicules automobiles légers

Similar companies (Entretien et réparation de véhicules automobiles légers)

Compare AUTOMOBILES SEVRE ET LOIRE with other companies in the same sector:

Voir toutes les statistiques du secteur Entretien et réparation de véhicules automobiles légers

Frequently asked questions about AUTOMOBILES SEVRE ET LOIRE

What is the revenue of AUTOMOBILES SEVRE ET LOIRE ?

The revenue of AUTOMOBILES SEVRE ET LOIRE in 2023 is 2.3 M€.

Is AUTOMOBILES SEVRE ET LOIRE profitable?

AUTOMOBILES SEVRE ET LOIRE recorded a net loss in 2025.

Where is the headquarters of AUTOMOBILES SEVRE ET LOIRE ?

The headquarters of AUTOMOBILES SEVRE ET LOIRE is located in LE LOROUX-BOTTEREAU (44430), in the department Loire-Atlantique.

Where to find the tax return of AUTOMOBILES SEVRE ET LOIRE ?

The tax return of AUTOMOBILES SEVRE ET LOIRE 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 AUTOMOBILES SEVRE ET LOIRE operate?

AUTOMOBILES SEVRE ET LOIRE operates in the sector Entretien et réparation de véhicules automobiles légers (NAF code 45.20A). See the 'Sector positioning' section above to compare the company with its competitors.