SIREN : 820068799
FINANCIERE VAL DE SAONE is a French company founded 10 years ago, specialized in the sector Activités des sièges sociaux. Based in VINZELLES (71680), this company of category PME shows in 2024 a revenue of 290 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 289 581 € | 283 376 € | 260 348 € | 241 940 € | 240 299 € | 233 478 € | 285 493 € | 192 000 € |
| Net income | 87 296 € | 12 065 € | 69 395 € | 14 029 € | 15 262 € | 16 975 € | 21 416 € | -29 100 € |
| EBITDA | 26 490 € | 27 308 € | 28 086 € | 23 600 € | 77 672 € | 15 867 € | 23 155 € | -19 712 € |
| Net margin | 30.1% | 4.3% | 26.7% | 5.8% | 6.4% | 7.3% | 7.5% | -15.2% |
In 2024, FINANCIERE VAL DE SAONE achieves revenue of 290 k€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +6.0%. Vs 2023: +2%. After deducting consumption (0 €), gross margin stands at 290 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 26 k€, representing 9.1% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 87 k€, i.e. 30.1% of revenue. This profit can be retained or distributed to shareholders.
289 581 €
289 581 €
26 490 €
29 068 €
87 296 €
9.1%
The debt ratio (= Financial debt / Equity x 100) stands at 19%. 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 82%. 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 4.6 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 29.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
19.211%
81.808%
29.239%
4.643
In 2024, the debt ratio of FINANCIERE VAL DE SAONE (19.21) 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 2024, the financial autonomy of FINANCIERE VAL DE SAONE (81.8%) 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 2024, the repayment capacity of FINANCIERE VAL DE SAONE (4.64) 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 932.19. 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 91.9x. Operating income very largely covers interest expenses: high safety margin.
932.19
91.906
In 2024, the liquidity ratio of FINANCIERE VAL DE SAONE (932.19) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2024, the interest coverage of FINANCIERE VAL DE SAONE (91.9x) 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: 121 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 11 days. The gap of 110 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 76 days of revenue, i.e. 61 k€ to permanently finance. Over 2017-2024, WCR increased by +282%, requiring additional financing.
60 939 €
121 j
11 j
0 j
76 j
Based on 103 transactions of similar company sales in 2024, the value of FINANCIERE VAL DE SAONE is estimated at 265 445 € (range 84 106€ - 623 485€). With an EBITDA of 26 490€, the sector multiple of 5.0x 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 103 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 VAL DE SAONE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sièges sociaux
The revenue of FINANCIERE VAL DE SAONE in 2024 is 290 k€.
Yes, FINANCIERE VAL DE SAONE generated a net profit of 87 k€ in 2024.
The headquarters of FINANCIERE VAL DE SAONE is located in VINZELLES (71680), in the department Saone-et-Loire.
The tax return of FINANCIERE VAL DE SAONE 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 VAL DE SAONE 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.