SIREN : 533721460
FINANCIERE SM is a French company founded 14 years ago, specialized in the sector Activités des sièges sociaux. Based in CHOLET (49300), this company of category PME shows in 2025 a revenue of 658 k€. 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 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 658 060 € | 650 958 € | 607 684 € | 590 312 € | 574 222 € | 572 671 € | 533 411 € | 578 211 € | N/C |
| Net income | 195 365 € | 195 617 € | 389 114 € | 35 585 € | 1 304 148 € | 233 494 € | 58 435 € | 40 961 € | 99 992 € |
| EBITDA | 15 596 € | 49 231 € | 44 147 € | 22 698 € | 42 722 € | 41 758 € | 40 336 € | 45 445 € | N/C |
| Net margin | 29.7% | 30.1% | 64.0% | 6.0% | 227.1% | 40.8% | 11.0% | 7.1% | N/C |
In 2025, FINANCIERE SM achieves revenue of 658 k€. Revenue is growing positively over 9 years (CAGR: +1.9%). Vs 2024: +1%. After deducting consumption (0 €), gross margin stands at 658 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 16 k€, representing 2.4% of revenue. Warning negative scissor effect: despite revenue change (+1%), EBITDA varies by -68%, reducing margin by 5.2 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 195 k€, i.e. 29.7% of revenue. This profit can be retained or distributed to shareholders.
658 060 €
658 060 €
15 596 €
48 749 €
195 365 €
2.4%
The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 85%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 24.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.0%
85.082%
24.65%
0.0
In 2025, the debt ratio of FINANCIERE SM (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
In 2025, the financial autonomy of FINANCIERE SM (85.1%) 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 SM (0.00) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 178.07. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
178.074
0.0
In 2025, the liquidity ratio of FINANCIERE SM (178.07) 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.
In 2025, the interest coverage of FINANCIERE SM (0.0x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 100 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 63 days. The gap of 37 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 66 days of revenue, i.e. 120 k€ to permanently finance.
119 892 €
100 j
63 j
0 j
66 j
Based on 54 transactions of similar company sales
in 2025,
the value of FINANCIERE SM is estimated at
240 902 €
(range 88 965€ - 382 921€).
With an EBITDA of 15 596€, the sector multiple of 1.1x is applied.
The price/revenue ratio is 0.63x
(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 SM with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sièges sociaux
The revenue of FINANCIERE SM in 2025 is 658 k€.
Yes, FINANCIERE SM generated a net profit of 195 k€ in 2025.
The headquarters of FINANCIERE SM is located in CHOLET (49300), in the department Maine-et-Loire.
The tax return of FINANCIERE SM 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 SM operates in the sector Activités des sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.