GROUPE SANTIANE HOLDING : revenue, balance sheet and financial ratios

GROUPE SANTIANE HOLDING is a French company founded 10 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75015), this company of category ETI shows in 2022 a revenue of 15.5 M€. 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

Financial history - GROUPE SANTIANE HOLDING (SIREN 812962330)
Indicator 2022 2021 2020 2019 2018 2017
Revenue 15 503 840 € 14 312 927 € 11 576 591 € 6 001 657 € N/C N/C
Net income 9 784 915 € 8 767 221 € 6 966 051 € 4 256 667 € 4 039 049 € 4 243 294 €
EBITDA 13 276 496 € 12 074 853 € 9 760 780 € 5 673 947 € 443 791 € -480 531 €
Net margin 63.1% 61.3% 60.2% 70.9% N/C N/C

Revenue and income statement

In 2022, GROUPE SANTIANE HOLDING achieves revenue of 15.5 M€. Over the period 2019-2022, the company shows strong growth with a CAGR (compound annual growth rate) of +37.2%. Vs 2021: +8%. After deducting consumption (0 €), gross margin stands at 15.5 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 13.3 M€, representing 85.6% 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 9.8 M€, i.e. 63.1% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

15 503 840 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

15 503 840 €

EBITDA (2022) ?
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

13 276 496 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

13 287 371 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

9 784 915 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

85.6%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 20%. 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 1.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 63.1% 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 (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

19.937%

Financial autonomy (2022) ?
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

82.169%

Cash flow / Revenue (2022) ?
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

63.131%

Repayment capacity (2022) ?
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

1.241

Asset age ratio (2022) ?
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

55.4%

Solvency indicators evolution
GROUPE SANTIANE HOLDING

Sector positioning

Debt ratio
19.94 2022
2020
2021
2022
Q1: 0.03
Med: 12.59
Q3: 62.94
Average -10 pts over 3 years

In 2022, the debt ratio of GROUPE SANTIANE HOLDING (19.94) 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
82.17% 2022
2020
2021
2022
Q1: 17.59%
Med: 47.12%
Q3: 73.71%
Excellent +5 pts over 3 years

In 2022, the financial autonomy of GROUPE SANTIANE HOLDING (82.2%) 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
1.24 years 2022
2020
2021
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Average -13 pts over 3 years

In 2022, the repayment capacity of GROUPE SANTIANE HOLDING (1.24) 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 557.66. 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 0.7x. Danger: operating income does not cover interest charges, unsustainable situation.

Liquidity ratio (2022) ?
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

557.664

Interest coverage (2022) ?
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

0.729

Liquidity indicators evolution
GROUPE SANTIANE HOLDING

Sector positioning

Liquidity ratio
557.66 2022
2020
2021
2022
Q1: 118.8
Med: 232.91
Q3: 512.08
Excellent

In 2022, the liquidity ratio of GROUPE SANTIANE HOLDING (557.66) 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
0.73x 2022
2020
2021
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.08x
Good -16 pts over 3 years

In 2022, the interest coverage of GROUPE SANTIANE HOLDING (0.7x) 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: 28 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 162 days. Excellent situation: suppliers finance 134 days of the operating cycle (retail model). Overall, WCR represents 8 days of revenue, i.e. 346 k€ to permanently finance.

Operating WCR (2022) ?
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

345 581 €

Customer credit (2022) ?
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

28 j

Supplier credit (2022) ?
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

162 j

Inventory turnover (2022) ?
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 (2022) ?
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

8 j

WCR and payment terms evolution
GROUPE SANTIANE HOLDING

Positioning of GROUPE SANTIANE HOLDING in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Based on 193 transactions of similar company sales (all years), the value of GROUPE SANTIANE HOLDING is estimated at 16 544 802 € (range 5 213 147€ - 67 503 537€). With an EBITDA of 13 276 496€, the sector multiple of 1.2x is applied. The price/revenue ratio is 0.98x (in line with sector norms). 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 2022
193 transactions
5213k€ 16544k€ 67503k€
16 544 802 € Range: 5 213 147€ - 67 503 537€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
13 276 496 € × 1.2x
Estimation 16 073 240 €
4 151 555€ - 82 042 461€
Revenue Multiple 30%
15 503 840 € × 0.98x
Estimation 15 231 409 €
4 247 535€ - 28 327 781€
Net Income Multiple 20%
9 784 915 € × 2.0x
Estimation 19 693 799 €
9 315 546€ - 89 919 864€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 193 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 (Activités des agents et courtiers d'assurances)

Compare GROUPE SANTIANE HOLDING with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about GROUPE SANTIANE HOLDING

What is the revenue of GROUPE SANTIANE HOLDING ?

The revenue of GROUPE SANTIANE HOLDING in 2022 is 15.5 M€.

Is GROUPE SANTIANE HOLDING profitable?

Yes, GROUPE SANTIANE HOLDING generated a net profit of 9.8 M€ in 2022.

Where is the headquarters of GROUPE SANTIANE HOLDING ?

The headquarters of GROUPE SANTIANE HOLDING is located in PARIS (75015), in the department Paris.

Where to find the tax return of GROUPE SANTIANE HOLDING ?

The tax return of GROUPE SANTIANE HOLDING 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 GROUPE SANTIANE HOLDING operate?

GROUPE SANTIANE HOLDING operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.