SIREN : 524252343
FINANCIERE ZELMAT is a French company founded 15 years ago, specialized in the sector Supermarchés. Based in MAUZAC (31410), this company of category PME shows in 2025 a revenue of 313 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 | 2025 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 312 502 € | 279 972 € | 280 000 € | 299 368 € | 306 950 € | 279 845 € | 284 008 € | 340 038 € | 275 975 € |
| Net income | 359 342 € | 346 885 € | 869 322 € | 151 084 € | 436 746 € | 284 755 € | 113 158 € | 217 660 € | 81 123 € |
| EBITDA | 153 804 € | 194 313 € | 170 482 € | 190 551 € | 182 305 € | 155 264 € | 156 375 € | 171 650 € | 112 756 € |
| Net margin | 115.0% | 123.9% | 310.5% | 50.5% | 142.3% | 101.8% | 39.8% | 64.0% | 29.4% |
In 2025, FINANCIERE ZELMAT achieves revenue of 313 k€. Revenue is growing positively over 9 years (CAGR: +1.4%). Vs 2023, growth of +12% (280 k€ -> 313 k€). After deducting consumption (0 €), gross margin stands at 313 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 154 k€, representing 49.2% of revenue. Warning negative scissor effect: despite revenue change (+12%), EBITDA varies by -21%, reducing margin by 20.2 pts. This reflects costs rising faster than 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 359 k€, i.e. 115.0% of revenue. This profit can be retained or distributed to shareholders.
312 502 €
312 502 €
153 804 €
153 527 €
359 342 €
49.2%
The debt ratio (= Financial debt / Equity x 100) stands at 8%. 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 92%. 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 0.8 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 117.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
8.296%
91.841%
117.206%
0.774
90.6%
In 2025, the debt ratio of FINANCIERE ZELMAT (8.30) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2025, the financial autonomy of FINANCIERE ZELMAT (91.8%) 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.
In 2025, the repayment capacity of FINANCIERE ZELMAT (0.77) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
The liquidity ratio (= Current assets / Current liabilities) stands at 9679.22. 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 4.4x. Financial charges are adequately covered by operations.
9679.221
4.39
In 2025, the liquidity ratio of FINANCIERE ZELMAT (9679.22) 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 2025, the interest coverage of FINANCIERE ZELMAT (4.4x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 27 days. Favorable situation: supplier credit is longer than customer credit by 27 days. Overall, WCR represents 930 days of revenue, i.e. 808 k€ to permanently finance. Over 2016-2025, WCR increased by +620%, requiring additional financing.
807 646 €
0 j
27 j
0 j
930 j
Based on 270 transactions of similar company sales in 2025, the value of FINANCIERE ZELMAT is estimated at 827 978 € (range 323 502€ - 1 710 802€). With an EBITDA of 153 804€, the sector multiple of 4.5x is applied. The price/revenue ratio is 0.33x (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 270 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 ZELMAT with other companies in the same sector:
The revenue of FINANCIERE ZELMAT in 2025 is 313 k€.
Yes, FINANCIERE ZELMAT generated a net profit of 359 k€ in 2025.
The headquarters of FINANCIERE ZELMAT is located in MAUZAC (31410), in the department Haute-Garonne.
The tax return of FINANCIERE ZELMAT 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 ZELMAT operates in the sector Supermarchés (NAF code 47.11D). See the 'Sector positioning' section above to compare the company with its competitors.