EURL SOCIETE FINANCIERE E.B. : revenue, balance sheet and financial ratios

EURL SOCIETE FINANCIERE E.B. is a French company founded 24 years ago, specialized in the sector Autre mise à disposition de ressources humaines. Based in LACROIX-FALGARDE (31120), this company of category PME shows in 2025 a revenue of 524 k€. 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 - EURL SOCIETE FINANCIERE E.B. (SIREN 438292419)
Indicator 2025 2024 2023 2021 2020 2019 2017
Revenue 524 285 € 520 781 € 528 397 € 455 800 € 466 169 € 459 718 € 430 056 €
Net income -1 129 € -38 070 € -37 445 € -46 157 € -39 987 € -49 442 € 100 977 €
EBITDA -81 786 € -93 923 € -89 959 € -116 970 € -128 158 € -111 084 € -87 975 €
Net margin -0.2% -7.3% -7.1% -10.1% -8.6% -10.8% 23.5%

Revenue and income statement

In 2025, EURL SOCIETE FINANCIERE E.B. achieves revenue of 524 k€. Revenue is growing positively over 7 years (CAGR: +2.5%). Vs 2024: +1%. After deducting consumption (0 €), gross margin stands at 524 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 -82 k€, representing -15.6% of revenue. Positive scissor effect: EBITDA margin improves by +2.4 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -1 k€ (-0.2% of revenue), which will impact equity.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

524 285 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

524 285 €

EBITDA (2025) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

-81 786 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-81 770 €

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

-1 129 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-15.6%

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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 53%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 59%. 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

53.096%

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

58.965%

Cash flow / Revenue (2025) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

-0.26%

Repayment capacity (2025) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

-373.523

Solvency indicators evolution
EURL SOCIETE FINANCIERE E.B.

Sector positioning

Debt ratio
53.1 2025
2023
2024
2025
Q1: 2.81
Med: 35.03
Q3: 53.27
Average +42 pts over 3 years

In 2025, the debt ratio of EURL SOCIETE FINANCIERE E.B. (53.10) 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
58.97% 2025
2023
2024
2025
Q1: 16.22%
Med: 43.47%
Q3: 63.84%
Good -7 pts over 3 years

In 2025, the financial autonomy of EURL SOCIETE FINANCIERE E.B. (59.0%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
-373.52 years 2025
2023
2024
2025
Q1: -0.54 years
Med: 0.0 years
Q3: 0.54 years
Excellent -23 pts over 3 years

In 2025, the repayment capacity of EURL SOCIETE FINANCIERE E.B. (-373.52) 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 748.55. 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

748.549

Interest coverage (2025) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

-13.255

Liquidity indicators evolution
EURL SOCIETE FINANCIERE E.B.

Sector positioning

Liquidity ratio
748.55 2025
2023
2024
2025
Q1: 186.52
Med: 311.24
Q3: 795.18
Good +17 pts over 3 years

In 2025, the liquidity ratio of EURL SOCIETE FINANCIERE E.B. (748.55) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
-13.26x 2025
2023
2024
2025
Q1: -2.96x
Med: 0.0x
Q3: 6.29x
Average

In 2025, the interest coverage of EURL SOCIETE FINANCIERE E.B. (-13.3x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 273 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 36 days. The gap of 237 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 720 days of revenue, i.e. 1.0 M€ to permanently finance. Over 2017-2025, WCR increased by +29%, requiring additional financing.

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

1 048 591 €

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

273 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

36 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 in days of revenue (2025) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

720 j

WCR and payment terms evolution
EURL SOCIETE FINANCIERE E.B.

Positioning of EURL SOCIETE FINANCIERE E.B. in its sector

Comparison with sector Autre mise à disposition de ressources humaines

Valuation estimate

Based on 147 transactions of similar company sales (all years), the value of EURL SOCIETE FINANCIERE E.B. is estimated at 41 980 € (range 31 657€ - 72 108€). The price/revenue ratio is 0.08x (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.

Estimated enterprise value 2025
147 transactions
31k€ 41k€ 72k€
41 980 € Range: 31 657€ - 72 108€
Section all-time Aggregated at NAF section level

Valuation method used

Revenue Multiple
524 285 € × 0.08x = 41 981 €
Range: 31 657€ - 72 108€

Only this financial indicator is available for this company.

How is this estimate calculated?

This estimate is based on the analysis of 147 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 (Autre mise à disposition de ressources humaines)

Compare EURL SOCIETE FINANCIERE E.B. with other companies in the same sector:

Voir toutes les statistiques du secteur Autre mise à disposition de ressources humaines

Frequently asked questions about EURL SOCIETE FINANCIERE E.B.

What is the revenue of EURL SOCIETE FINANCIERE E.B. ?

The revenue of EURL SOCIETE FINANCIERE E.B. in 2025 is 524 k€.

Is EURL SOCIETE FINANCIERE E.B. profitable?

EURL SOCIETE FINANCIERE E.B. recorded a net loss in 2025.

Where is the headquarters of EURL SOCIETE FINANCIERE E.B. ?

The headquarters of EURL SOCIETE FINANCIERE E.B. is located in LACROIX-FALGARDE (31120), in the department Haute-Garonne.

Where to find the tax return of EURL SOCIETE FINANCIERE E.B. ?

The tax return of EURL SOCIETE FINANCIERE E.B. 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 EURL SOCIETE FINANCIERE E.B. operate?

EURL SOCIETE FINANCIERE E.B. operates in the sector Autre mise à disposition de ressources humaines (NAF code 78.30Z). See the 'Sector positioning' section above to compare the company with its competitors.