FINANCIERE SAINT MICHEL : revenue, balance sheet and financial ratios

FINANCIERE SAINT MICHEL is a French company founded 22 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in THIERS (63300), this company of category PME shows in 2023 a revenue of 6 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 - FINANCIERE SAINT MICHEL (SIREN 451623565)
Indicator 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 6 390 € 9 740 € 9 868 € 12 798 € 29 667 € 24 347 € 30 730 € 22 133 €
Net income -1 € -1 € -1 € -1 € -1 € -1 € 0 € -1 €
EBITDA -5 043 € -6 153 € -10 226 € -4 978 € N/C -540 € -1 € -10 031 €
Net margin -0.0% -0.0% -0.0% -0.0% -0.0% -0.0% 0.0% -0.0%

Revenue and income statement

In 2023, FINANCIERE SAINT MICHEL achieves revenue of 6 k€. Revenue is declining over the period 2016-2023 (CAGR: -16.3%). Significant drop of -34% vs 2022. After deducting consumption (0 €), gross margin stands at 6 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 -5 k€, representing -78.9% of revenue. Warning negative scissor effect: despite revenue change (-34%), EBITDA varies by +18%, reducing margin by 15.7 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -1 € (-0.0% of revenue), which will impact equity.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

6 390 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

6 390 €

EBITDA (2023) ?
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

-5 043 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-5 043 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-1 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-78.9%

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Chart evolution

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Assets

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Liabilities

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Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 234.03. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

234.031

Interest coverage (2023) ?
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

0.0

Liquidity indicators evolution
FINANCIERE SAINT MICHEL

Sector positioning

Liquidity ratio
234.03 2023
2021
2022
2023
Q1: 123.56
Med: 243.64
Q3: 585.03
Average +18 pts over 3 years

In 2023, the liquidity ratio of FINANCIERE SAINT MICHEL (234.03) 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
0.0x 2023
2021
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.99x
Average

In 2023, the interest coverage of FINANCIERE SAINT MICHEL (0.0x) 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: 42 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 0 days. The gap of 42 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. WCR is negative (-73 days): operations structurally generate cash. Over 2016-2023, WCR increased by +75%, requiring additional financing.

Operating WCR (2023) ?
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

-1 294 €

Customer credit (2023) ?
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

42 j

Supplier credit (2023) ?
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 (2023) ?
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 (2023) ?
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

-73 j

WCR and payment terms evolution
FINANCIERE SAINT MICHEL

Positioning of FINANCIERE SAINT MICHEL in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Based on 193 transactions of similar company sales (all years), the value of FINANCIERE SAINT MICHEL is estimated at 6 277 € (range 1 750€ - 11 675€). The price/revenue ratio is 0.98x (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.

Estimated enterprise value 2023
193 transactions
1k€ 6k€ 11k€
6 277 € Range: 1 750€ - 11 675€
NAF 5 all-time

Valuation method used

Revenue Multiple
6 390 € × 0.98x = 6 278 €
Range: 1 751€ - 11 675€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 193 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 (Activités des agents et courtiers d'assurances)

Compare FINANCIERE SAINT MICHEL with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about FINANCIERE SAINT MICHEL

What is the revenue of FINANCIERE SAINT MICHEL ?

The revenue of FINANCIERE SAINT MICHEL in 2023 is 6 k€.

Is FINANCIERE SAINT MICHEL profitable?

FINANCIERE SAINT MICHEL recorded a net loss in 2023.

Where is the headquarters of FINANCIERE SAINT MICHEL ?

The headquarters of FINANCIERE SAINT MICHEL is located in THIERS (63300), in the department Puy-de-Dome.

Where to find the tax return of FINANCIERE SAINT MICHEL ?

The tax return of FINANCIERE SAINT MICHEL 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 FINANCIERE SAINT MICHEL operate?

FINANCIERE SAINT MICHEL operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.