SIREN : 893170480
FINANCIERE STE is a French company founded 5 years ago, specialized in the sector Services administratifs combinés de bureau. Based in LA ROCHE-NOIRE (63800), this company of category PME shows in 2021 a revenue of 33 k€. 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 | 2021 |
|---|---|
| Revenue | 32 798 € |
| Net income | 62 384 € |
| EBITDA | 43 066 € |
| Net margin | 190.2% |
In 2021, FINANCIERE STE achieves revenue of 33 k€. After deducting consumption (0 €), gross margin stands at 33 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 43 k€, representing 131.3% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 62 k€, i.e. 190.2% of revenue. This profit can be retained or distributed to shareholders.
32 798 €
32 798 €
43 066 €
41 449 €
62 384 €
131.3%
The debt ratio (= Financial debt / Equity x 100) stands at 537%. 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 15%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 5.7 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 193.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
537.025%
15.306%
193.905%
5.69
99.7%
In 2021, the debt ratio of FINANCIERE STE (537.02) 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 2021, the financial autonomy of FINANCIERE STE (15.3%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2021, the repayment capacity of FINANCIERE STE (5.69) 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 1331.32. 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 7.5x. Operating income very largely covers interest expenses: high safety margin.
1331.322
7.472
In 2021, the liquidity ratio of FINANCIERE STE (1331.32) 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.
In 2021, the interest coverage of FINANCIERE STE (7.5x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 8 days. Favorable situation: supplier credit is longer than customer credit by 8 days. Inventory turnover is 834 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 740 days of revenue, i.e. 67 k€ to permanently finance.
67 382 €
0 j
8 j
834 j
740 j
Based on 173 transactions of similar company sales (all years), the value of FINANCIERE STE is estimated at 121 754 € (range 37 278€ - 270 724€). With an EBITDA of 43 066€, the sector multiple of 3.4x is applied. The price/revenue ratio is 0.38x (conservative valuation). 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.
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This estimate is based on the analysis of 173 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 STE with other companies in the same sector:
Voir toutes les statistiques du secteur Services administratifs combinés de bureau
The revenue of FINANCIERE STE in 2021 is 33 k€.
Yes, FINANCIERE STE generated a net profit of 62 k€ in 2021.
The headquarters of FINANCIERE STE is located in LA ROCHE-NOIRE (63800), in the department Puy-de-Dome.
The tax return of FINANCIERE STE 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 STE operates in the sector Services administratifs combinés de bureau (NAF code 82.11Z). See the 'Sector positioning' section above to compare the company with its competitors.