GROUPE SERVICE RECOUVREMENT : revenue, balance sheet and financial ratios

GROUPE SERVICE RECOUVREMENT is a French company founded 22 years ago, specialized in the sector Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle. Based in LABEGE (31670), this company of category PME shows in 2020 a revenue of 69 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - GROUPE SERVICE RECOUVREMENT (SIREN 451207542)
Indicator 2020 2019 2018 2017 2016
Revenue 68 861 € 98 711 € 104 029 € 111 375 € 98 756 €
Net income 2 613 € -90 € 6 003 € 13 262 € 4 648 €
EBITDA -11 116 € 7 940 € 9 305 € 4 895 € -5 898 €
Net margin 3.8% -0.1% 5.8% 11.9% 4.7%

Revenue and income statement

In 2020, GROUPE SERVICE RECOUVREMENT achieves revenue of 69 k€. Revenue is declining over the period 2016-2020 (CAGR: -8.6%). Significant drop of -30% vs 2019. After deducting consumption (0 €), gross margin stands at 69 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 -11 k€, representing -16.1% of revenue. Warning negative scissor effect: despite revenue change (-30%), EBITDA varies by -240%, reducing margin by 24.2 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 3 k€, i.e. 3.8% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2020) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

68 861 €

Gross margin (2020) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

68 861 €

EBITDA (2020) ?
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

-11 116 €

EBIT (2020) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

2 668 €

Net income (2020) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

2 613 €

EBITDA margin (2020) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-15.8%

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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 0%. 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 18%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 5.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

Debt ratio (2020) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.123%

Financial autonomy (2020) ?
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

17.742%

Cash flow / Revenue (2020) ?
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

5.408%

Repayment capacity (2020) ?
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

0.008

Asset age ratio (2020) ?
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

3.5%

Solvency indicators evolution
GROUPE SERVICE RECOUVREMENT

Sector positioning

Debt ratio
0.12 2020
2018
2019
2020
Q1: 0.0
Med: 8.54
Q3: 65.28
Good -50 pts over 3 years

In 2020, the debt ratio of GROUPE SERVICE RECOUVREMENT (0.12) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
17.74% 2020
2018
2019
2020
Q1: 12.48%
Med: 35.02%
Q3: 54.6%
Average

In 2020, the financial autonomy of GROUPE SERVICE RECOUVREMENT (17.7%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
0.01 years 2020
2018
2019
2020
Q1: 0.0 years
Med: 0.0 years
Q3: 0.97 years
Average -26 pts over 3 years

In 2020, the repayment capacity of GROUPE SERVICE RECOUVREMENT (0.01) 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 72.31. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2020) ?
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

72.309

Interest coverage (2020) ?
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

0.0

Liquidity indicators evolution
GROUPE SERVICE RECOUVREMENT

Sector positioning

Liquidity ratio
72.31 2020
2018
2019
2020
Q1: 133.71
Med: 189.76
Q3: 310.59
Watch -9 pts over 3 years

In 2020, the liquidity ratio of GROUPE SERVICE RECOUVREMENT (72.31) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
0.0x 2020
2018
2019
2020
Q1: -0.27x
Med: 0.0x
Q3: 0.64x
Good -25 pts over 3 years

In 2020, the interest coverage of GROUPE SERVICE RECOUVREMENT (0.0x) 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: 143 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 156 days. Favorable situation: supplier credit is longer than customer credit by 13 days. WCR is negative (-102 days): operations structurally generate cash. Notable WCR improvement over the period (-602%), freeing up cash.

Operating WCR (2020) ?
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

-19 576 €

Customer credit (2020) ?
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

143 j

Supplier credit (2020) ?
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

156 j

Inventory turnover (2020) ?
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 (2020) ?
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

-102 j

WCR and payment terms evolution
GROUPE SERVICE RECOUVREMENT

Positioning of GROUPE SERVICE RECOUVREMENT in its sector

Comparison with sector Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle

Valuation estimate

Based on 158 transactions of similar company sales (all years), the value of GROUPE SERVICE RECOUVREMENT is estimated at 18 146 € (range 8 613€ - 35 895€). The price/revenue ratio is 0.36x (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 2020
158 transactions
8k€ 18k€ 35k€
18 146 € Range: 8 613€ - 35 895€
NAF 4 all-time Aggregated at NAF sub-class level

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
68 861 € × 0.36x
Estimation 24 541 €
12 828€ - 45 990€
Net Income Multiple 20%
2 613 € × 3.3x
Estimation 8 555 €
2 291€ - 20 754€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 158 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 agences de recouvrement de factures et des sociétés d'information financière sur la clientèle)

Compare GROUPE SERVICE RECOUVREMENT with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle

Frequently asked questions about GROUPE SERVICE RECOUVREMENT

What is the revenue of GROUPE SERVICE RECOUVREMENT ?

The revenue of GROUPE SERVICE RECOUVREMENT in 2020 is 69 k€.

Is GROUPE SERVICE RECOUVREMENT profitable?

Yes, GROUPE SERVICE RECOUVREMENT generated a net profit of 3 k€ in 2020.

Where is the headquarters of GROUPE SERVICE RECOUVREMENT ?

The headquarters of GROUPE SERVICE RECOUVREMENT is located in LABEGE (31670), in the department Haute-Garonne.

Where to find the tax return of GROUPE SERVICE RECOUVREMENT ?

The tax return of GROUPE SERVICE RECOUVREMENT 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 SERVICE RECOUVREMENT operate?

GROUPE SERVICE RECOUVREMENT operates in the sector Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle (NAF code 82.91Z). See the 'Sector positioning' section above to compare the company with its competitors.