HOLDING SAUTEREAU BERNARD CECILE - HSBC : revenue, balance sheet and financial ratios

HOLDING SAUTEREAU BERNARD CECILE - HSBC is a French company founded 11 years ago, specialized in the sector Gestion de fonds. Based in PELISSANNE (13330), this company of category PME shows in 2024 a revenue of 26 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-11

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

Financial history - HOLDING SAUTEREAU BERNARD CECILE - HSBC (SIREN 808623938)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 25 900 € 22 200 € 22 200 € 22 200 € 18 500 € 18 500 € 22 200 € N/C N/C
Net income 47 210 € 37 060 € 20 926 € 8 029 € 42 373 € 34 085 € 103 936 € -11 883 € -19 369 €
EBITDA 13 877 € -27 292 € -10 778 € -17 646 € -9 667 € 2 840 € 11 910 € -21 883 € -52 265 €
Net margin 182.3% 166.9% 94.3% 36.2% 229.0% 184.2% 468.2% N/C N/C

Revenue and income statement

In 2024, HOLDING SAUTEREAU BERNARD CECILE - HSBC achieves revenue of 26 k€. Revenue is growing positively over 9 years (CAGR: +2.6%). Vs 2023, growth of +17% (22 k€ -> 26 k€). After deducting consumption (0 €), gross margin stands at 26 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 14 k€, representing 53.6% of revenue. Positive scissor effect: EBITDA margin improves by +176.5 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 47 k€, i.e. 182.3% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

25 900 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

25 900 €

EBITDA (2024) ?
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

13 877 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

13 877 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

47 210 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

53.6%

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 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 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 182.3% 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 (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.0%

Financial autonomy (2024) ?
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

0.0%

Cash flow / Revenue (2024) ?
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

182.278%

Repayment capacity (2024) ?
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

0.0

Solvency indicators evolution
HOLDING SAUTEREAU BERNARD CECILE - HSBC

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 8.28
Q3: 92.71
Excellent -25 pts over 3 years

In 2024, the debt ratio of HOLDING SAUTEREAU BERNARD... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
0.0% 2024
2022
2023
2024
Q1: 4.63%
Med: 48.43%
Q3: 87.31%
Average

In 2024, the financial autonomy of HOLDING SAUTEREAU BERNARD... (0.0%) 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
0.0 years 2024
2022
2023
2024
Q1: -0.01 years
Med: 0.0 years
Q3: 3.01 years
Good

In 2024, the repayment capacity of HOLDING SAUTEREAU BERNARD... (0.00) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 468.11. 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 0.3x. Danger: operating income does not cover interest charges, unsustainable situation.

Liquidity ratio (2024) ?
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

468.111

Interest coverage (2024) ?
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

0.324

Liquidity indicators evolution
HOLDING SAUTEREAU BERNARD CECILE - HSBC

Sector positioning

Liquidity ratio
468.11 2024
2022
2023
2024
Q1: 100.71
Med: 472.45
Q3: 3122.85
Average

In 2024, the liquidity ratio of HOLDING SAUTEREAU BERNARD... (468.11) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
0.32x 2024
2022
2023
2024
Q1: -71.11x
Med: 0.0x
Q3: 0.0x
Excellent +28 pts over 3 years

In 2024, the interest coverage of HOLDING SAUTEREAU BERNARD... (0.3x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 51 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 243 days. Excellent situation: suppliers finance 192 days of the operating cycle (retail model). Overall, WCR represents 6222 days of revenue, i.e. 448 k€ to permanently finance.

Operating WCR (2024) ?
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

447 634 €

Customer credit (2024) ?
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

51 j

Supplier credit (2024) ?
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

243 j

Inventory turnover (2024) ?
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 (2024) ?
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

6222 j

WCR and payment terms evolution
HOLDING SAUTEREAU BERNARD CECILE - HSBC

Positioning of HOLDING SAUTEREAU BERNARD CECILE - HSBC in its sector

Comparison with sector Gestion de fonds

Valuation estimate

Based on 62 transactions of similar company sales in 2024, the value of HOLDING SAUTEREAU BERNARD CECILE - HSBC is estimated at 105 442 € (range 31 392€ - 219 783€). With an EBITDA of 13 877€, the sector multiple of 4.8x is applied. The price/revenue ratio is 0.30x (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.
Medium reliability: estimate to be confirmed with in-depth analysis.

Estimated enterprise value 2024
62 tx
31k€ 105k€ 219k€
105 442 € Range: 31 392€ - 219 783€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
13 877 € × 4.8x
Estimation 66 578 €
20 707€ - 149 879€
Revenue Multiple 30%
25 900 € × 0.30x
Estimation 7 884 €
4 080€ - 21 953€
Net Income Multiple 20%
47 210 € × 7.4x
Estimation 348 941 €
99 073€ - 691 290€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 62 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 (Gestion de fonds)

Compare HOLDING SAUTEREAU BERNARD CECILE - HSBC with other companies in the same sector:

Voir toutes les statistiques du secteur Gestion de fonds

Frequently asked questions about HOLDING SAUTEREAU BERNARD CECILE - HSBC

What is the revenue of HOLDING SAUTEREAU BERNARD CECILE - HSBC ?

The revenue of HOLDING SAUTEREAU BERNARD CECILE - HSBC in 2024 is 26 k€.

Is HOLDING SAUTEREAU BERNARD CECILE - HSBC profitable?

Yes, HOLDING SAUTEREAU BERNARD CECILE - HSBC generated a net profit of 47 k€ in 2024.

Where is the headquarters of HOLDING SAUTEREAU BERNARD CECILE - HSBC ?

The headquarters of HOLDING SAUTEREAU BERNARD CECILE - HSBC is located in PELISSANNE (13330), in the department Bouches-du-Rhone.

Where to find the tax return of HOLDING SAUTEREAU BERNARD CECILE - HSBC ?

The tax return of HOLDING SAUTEREAU BERNARD CECILE - HSBC 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 HOLDING SAUTEREAU BERNARD CECILE - HSBC operate?

HOLDING SAUTEREAU BERNARD CECILE - HSBC operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.