SIREN : 980152276
FINANCIERE SECHAL is a French company founded 2 years ago, specialized in the sector Gestion de fonds. Based in CLERMONT-FERRAND (63100), this company of category PME shows in 2025 a net income negative of -74€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2025 | 2024 |
|---|---|---|
| Revenue | N/C | N/C |
| Net income | -74 € | -9 776 € |
| EBITDA | -2 575 € | -18 428 € |
| Net margin | N/C | N/C |
In 2025, FINANCIERE SECHAL records a net loss of 74 €. This deficit will reduce equity on the balance sheet.
-2 575 €
-5 617 €
-74 €
The debt ratio (= Financial debt / Equity x 100) stands at 3286%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 54%. 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 112.4 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high.
3286.315%
53.961%
112.424
In 2025, the debt ratio of FINANCIERE SECHAL (3286.32) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2025, the financial autonomy of FINANCIERE SECHAL (54.0%) 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 2025, the repayment capacity of FINANCIERE SECHAL (112.42) 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 10.41. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
10.41
-716.816
In 2025, the liquidity ratio of FINANCIERE SECHAL (10.41) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.
In 2025, the interest coverage of FINANCIERE SECHAL (-716.8x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 151 days. Excellent situation: suppliers finance 151 days of the operating cycle (retail model).
0 €
0 j
151 j
0 j
Compare FINANCIERE SECHAL with other companies in the same sector:
The revenue of FINANCIERE SECHAL is not publicly disclosed (confidential accounts filed with INPI).
FINANCIERE SECHAL recorded a net loss in 2025.
The headquarters of FINANCIERE SECHAL is located in CLERMONT-FERRAND (63100), in the department Puy-de-Dome.
The tax return of FINANCIERE SECHAL 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 SECHAL operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.