SIREN : 408628832
FINANCIERE SAINT GERMAIN is a French company founded 29 years ago, specialized in the sector Activités des sociétés holding. Based in CANNES (06400), this company of category ETI shows in 2024 a revenue of 3.6 M€. 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3 632 536 € | 2 417 035 € | 4 396 157 € | 256 286 € | 40 182 € | 79 273 € | 30 000 € | 39 621 € | 41 030 € |
| Net income | 4 893 263 € | 6 343 394 € | 5 143 784 € | 5 621 131 € | 5 239 495 € | 4 748 494 € | 4 108 173 € | 4 647 789 € | 2 570 603 € |
| EBITDA | 664 699 € | 302 924 € | 122 550 € | -5 635 € | -145 413 € | -234 219 € | -83 002 € | -168 760 € | -131 854 € |
| Net margin | 134.7% | 262.4% | 117.0% | 2193.3% | 13039.4% | 5990.1% | 13693.9% | 11730.6% | 6265.2% |
In 2024, FINANCIERE SAINT GERMAIN achieves revenue of 3.6 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +75.1%. Vs 2023, growth of +50% (2.4 M€ -> 3.6 M€). After deducting consumption (2.5 M€), gross margin stands at 1.2 M€, i.e. a rate of 32%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 665 k€, representing 18.3% of revenue. Positive scissor effect: EBITDA margin improves by +5.8 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 4.9 M€, i.e. 134.7% of revenue. This profit can be retained or distributed to shareholders.
3 632 536 €
1 170 566 €
664 699 €
715 965 €
4 893 263 €
18.3%
The debt ratio (= Financial debt / Equity x 100) stands at 23%. 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 79%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 133.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
23.143%
78.958%
133.249%
1.195
86.3%
In 2024, the debt ratio of FINANCIERE SAINT GERMAIN (23.14) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of FINANCIERE SAINT GERMAIN (79.0%) 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.
In 2024, the repayment capacity of FINANCIERE SAINT GERMAIN (1.20) ranks above the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A reduction effort could improve financial strength.
The liquidity ratio (= Current assets / Current liabilities) stands at 1995.68. 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 34.3x. Operating income very largely covers interest expenses: high safety margin.
1995.684
34.284
In 2024, the liquidity ratio of FINANCIERE SAINT GERMAIN (1995.68) 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.
In 2024, the interest coverage of FINANCIERE SAINT GERMAIN (34.3x) 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.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 2 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 22 days. Favorable situation: supplier credit is longer than customer credit by 20 days. Inventory turnover is 760 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 883 days of revenue, i.e. 8.9 M€ to permanently finance.
8 913 117 €
2 j
22 j
760 j
883 j
Based on 54 transactions of similar company sales
in 2024,
the value of FINANCIERE SAINT GERMAIN is estimated at
3 677 608 €
(range 1 582 488€ - 10 841 456€).
With an EBITDA of 664 699€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.59x
(in line with sector norms).
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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 54 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 FINANCIERE SAINT GERMAIN with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of FINANCIERE SAINT GERMAIN in 2024 is 3.6 M€.
Yes, FINANCIERE SAINT GERMAIN generated a net profit of 4.9 M€ in 2024.
The headquarters of FINANCIERE SAINT GERMAIN is located in CANNES (06400), in the department Alpes-Maritimes.
The tax return of FINANCIERE SAINT GERMAIN 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).
FINANCIERE SAINT GERMAIN operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.