GARAGE SAINT-ROCH : revenue, balance sheet and financial ratios

GARAGE SAINT-ROCH is a French company founded 51 years ago, specialized in the sector Commerce de voitures et de véhicules automobiles légers. Based in PLOUDALMEZEAU (29830), this company of category PME shows in 2023 a revenue of 1.1 M€. 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

Financial history - GARAGE SAINT-ROCH (SIREN 302136700)
Indicator 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 1 121 617 € 907 974 € 888 624 € 813 108 € 968 870 € 944 343 € 1 015 193 € 936 996 €
Net income 82 431 € 43 666 € 68 776 € 26 324 € 79 898 € 53 798 € 67 534 € 53 534 €
EBITDA 144 508 € 87 079 € 114 146 € 48 552 € 136 445 € 110 379 € 120 331 € 91 805 €
Net margin 7.3% 4.8% 7.7% 3.2% 8.2% 5.7% 6.7% 5.7%

Revenue and income statement

In 2023, GARAGE SAINT-ROCH achieves revenue of 1.1 M€. Revenue is growing positively over 8 years (CAGR: +2.6%). Vs 2022, growth of +24% (908 k€ -> 1.1 M€). After deducting consumption (531 k€), gross margin stands at 591 k€, i.e. a rate of 53%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 145 k€, representing 12.9% of revenue. Positive scissor effect: EBITDA margin improves by +3.3 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 82 k€, i.e. 7.3% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

1 121 617 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

590 943 €

EBITDA (2023) ?
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

144 508 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

105 758 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

82 431 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

12.8%

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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 59%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 54%. 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 2.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 10.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

58.659%

Financial autonomy (2023) ?
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

54.172%

Cash flow / Revenue (2023) ?
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

10.696%

Repayment capacity (2023) ?
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

2.516

Asset age ratio (2023) ?
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

29.7%

Solvency indicators evolution
GARAGE SAINT-ROCH

Sector positioning

Debt ratio
58.66 2023
2021
2022
2023
Q1: 5.35
Med: 46.58
Q3: 142.41
Average

In 2023, the debt ratio of GARAGE SAINT-ROCH (58.66) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
54.17% 2023
2021
2022
2023
Q1: 10.97%
Med: 26.91%
Q3: 51.24%
Excellent

In 2023, the financial autonomy of GARAGE SAINT-ROCH (54.2%) 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
2.52 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.51 years
Q3: 4.09 years
Average

In 2023, the repayment capacity of GARAGE SAINT-ROCH (2.52) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 509.41. 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 2.9x. Financial charges are adequately covered by operations.

Liquidity ratio (2023) ?
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

509.413

Interest coverage (2023) ?
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

2.92

Liquidity indicators evolution
GARAGE SAINT-ROCH

Sector positioning

Liquidity ratio
509.41 2023
2021
2022
2023
Q1: 135.15
Med: 203.86
Q3: 381.72
Excellent

In 2023, the liquidity ratio of GARAGE SAINT-ROCH (509.41) 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
2.92x 2023
2021
2022
2023
Q1: 0.0x
Med: 2.1x
Q3: 18.92x
Good -13 pts over 3 years

In 2023, the interest coverage of GARAGE SAINT-ROCH (2.9x) 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: 16 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 36 days. Favorable situation: supplier credit is longer than customer credit by 20 days. Inventory turnover is 85 days (= Average inventory / Cost of goods x 360). Overall, WCR represents 88 days of revenue, i.e. 275 k€ to permanently finance. Over 2016-2023, WCR increased by +70%, requiring additional financing.

Operating WCR (2023) ?
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

275 469 €

Customer credit (2023) ?
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

16 j

Supplier credit (2023) ?
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

36 j

Inventory turnover (2023) ?
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

85 j

WCR in days of revenue (2023) ?
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

88 j

WCR and payment terms evolution
GARAGE SAINT-ROCH

Positioning of GARAGE SAINT-ROCH in its sector

Comparison with sector Commerce de voitures et de véhicules automobiles légers

Valuation estimate

Based on 149 transactions of similar company sales in 2023, the value of GARAGE SAINT-ROCH is estimated at 172 611 € (range 56 339€ - 411 085€). With an EBITDA of 144 508€, the sector multiple of 1.3x is applied. The price/revenue ratio is 0.13x (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.

Estimated enterprise value 2023
149 transactions
56k€ 172k€ 411k€
172 611 € Range: 56 339€ - 411 085€
NAF 5 année 2023

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
144 508 € × 1.3x
Estimation 191 924 €
48 047€ - 490 537€
Revenue Multiple 30%
1 121 617 € × 0.13x
Estimation 142 068 €
79 385€ - 350 709€
Net Income Multiple 20%
82 431 € × 2.1x
Estimation 170 148 €
42 503€ - 303 023€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 149 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 (Commerce de voitures et de véhicules automobiles légers)

Compare GARAGE SAINT-ROCH with other companies in the same sector:

Voir toutes les statistiques du secteur Commerce de voitures et de véhicules automobiles légers

Frequently asked questions about GARAGE SAINT-ROCH

What is the revenue of GARAGE SAINT-ROCH ?

The revenue of GARAGE SAINT-ROCH in 2023 is 1.1 M€.

Is GARAGE SAINT-ROCH profitable?

Yes, GARAGE SAINT-ROCH generated a net profit of 82 k€ in 2023.

Where is the headquarters of GARAGE SAINT-ROCH ?

The headquarters of GARAGE SAINT-ROCH is located in PLOUDALMEZEAU (29830), in the department Finistere.

Where to find the tax return of GARAGE SAINT-ROCH ?

The tax return of GARAGE SAINT-ROCH 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 GARAGE SAINT-ROCH operate?

GARAGE SAINT-ROCH operates in the sector Commerce de voitures et de véhicules automobiles légers (NAF code 45.11Z). See the 'Sector positioning' section above to compare the company with its competitors.