FINANCIERE ST ANDREWS : revenue, balance sheet and financial ratios

FINANCIERE ST ANDREWS is a French company founded 21 years ago, specialized in the sector Fonds de placement et entités financières similaires. Based in PARIS (75008), this company of category PME shows in 2024 a revenue of 213 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - FINANCIERE ST ANDREWS (SIREN 481210862)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2017
Revenue 213 401 € 223 563 € 200 000 € 213 014 € 176 417 € 172 210 € 130 000 € 120 000 € 45 000 €
Net income -311 425 € -1 254 143 € 236 613 € -1 111 580 € 221 318 € 666 747 € -155 071 € 13 241 530 € 890 156 €
EBITDA -714 861 € -627 137 € 29 658 € -347 378 € -557 331 € -491 356 € -1 148 767 € -809 388 € -515 834 €
Net margin -145.9% -561.0% 118.3% -521.8% 125.5% 387.2% -119.3% 11034.6% 1978.1%

Revenue and income statement

In 2024, FINANCIERE ST ANDREWS achieves revenue of 213 k€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +24.9%. Slight decline of -5% vs 2023. After deducting consumption (0 €), gross margin stands at 213 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 -715 k€, representing -335.0% of revenue. Warning negative scissor effect: despite revenue change (-5%), EBITDA varies by -14%, reducing margin by 54.5 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -311 k€ (-145.9% of revenue), which will impact equity.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

213 401 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

213 401 €

EBITDA (2024) ?
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

-714 861 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-717 433 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-311 425 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-335.0%

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Chart evolution

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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 9%. 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 91%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

8.944%

Financial autonomy (2024) ?
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

91.433%

Cash flow / Revenue (2024) ?
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

-48.296%

Repayment capacity (2024) ?
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

-12.25

Asset age ratio (2024) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

36.8%

Solvency indicators evolution
FINANCIERE ST ANDREWS

Sector positioning

Debt ratio
8.94 2024
2022
2023
2024
Q1: 0.01
Med: 13.69
Q3: 116.56
Good +16 pts over 3 years

In 2024, the debt ratio of FINANCIERE ST ANDREWS (8.94) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
91.43% 2024
2022
2023
2024
Q1: 13.95%
Med: 55.8%
Q3: 90.35%
Excellent

In 2024, the financial autonomy of FINANCIERE ST ANDREWS (91.4%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
-12.25 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.15 years
Q3: 4.69 years
Excellent

In 2024, the repayment capacity of FINANCIERE ST ANDREWS (-12.25) 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 15207.05. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
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

15207.052

Interest coverage (2024) ?
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

-5.939

Liquidity indicators evolution
FINANCIERE ST ANDREWS

Sector positioning

Liquidity ratio
15207.05 2024
2022
2023
2024
Q1: 132.35
Med: 897.73
Q3: 5412.13
Excellent

In 2024, the liquidity ratio of FINANCIERE ST ANDREWS (15207.05) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
-5.94x 2024
2022
2023
2024
Q1: -144.56x
Med: -8.16x
Q3: 0.0x
Good -18 pts over 3 years

In 2024, the interest coverage of FINANCIERE ST ANDREWS (-5.9x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 321 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 27 days. The gap of 294 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 12302 days of revenue, i.e. 7.3 M€ to permanently finance.

Operating WCR (2024) ?
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

7 292 260 €

Customer credit (2024) ?
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

321 j

Supplier credit (2024) ?
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

27 j

Inventory turnover (2024) ?
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 (2024) ?
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

12302 j

WCR and payment terms evolution
FINANCIERE ST ANDREWS

Positioning of FINANCIERE ST ANDREWS in its sector

Comparison with sector Fonds de placement et entités financières similaires

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (26 transactions). This range of 100 429€ to 190 048€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2024
Indicative
100k€ 165k€ 190k€
165 037 € Range: 100 429€ - 190 048€
NAF 5 année 2024

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 26 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 (Fonds de placement et entités financières similaires)

Compare FINANCIERE ST ANDREWS with other companies in the same sector:

Voir toutes les statistiques du secteur Fonds de placement et entités financières similaires

Frequently asked questions about FINANCIERE ST ANDREWS

What is the revenue of FINANCIERE ST ANDREWS ?

The revenue of FINANCIERE ST ANDREWS in 2024 is 213 k€.

Is FINANCIERE ST ANDREWS profitable?

FINANCIERE ST ANDREWS recorded a net loss in 2024.

Where is the headquarters of FINANCIERE ST ANDREWS ?

The headquarters of FINANCIERE ST ANDREWS is located in PARIS (75008), in the department Paris.

Where to find the tax return of FINANCIERE ST ANDREWS ?

The tax return of FINANCIERE ST ANDREWS 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 ST ANDREWS operate?

FINANCIERE ST ANDREWS operates in the sector Fonds de placement et entités financières similaires (NAF code 64.30Z). See the 'Sector positioning' section above to compare the company with its competitors.