JEAN LAIN AUTOMOBILES SEYNOD : revenue, balance sheet and financial ratios

JEAN LAIN AUTOMOBILES SEYNOD is a French company founded 26 years ago, specialized in the sector Commerce de voitures et de véhicules automobiles légers. Based in ANNECY (74600), this company of category ETI shows in 2024 a revenue of 38.2 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 - JEAN LAIN AUTOMOBILES SEYNOD (SIREN 425125895)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 38 231 502 € 35 663 912 € 34 539 877 € 29 688 885 € 25 563 622 € 33 357 540 € 31 597 245 € 29 253 054 € 28 870 434 €
Net income 171 918 € 491 312 € 549 019 € 222 738 € 220 920 € 394 883 € 511 044 € 448 753 € 460 476 €
EBITDA 222 799 € 823 495 € 990 866 € 449 311 € 289 778 € 681 763 € 675 474 € 578 624 € 776 460 €
Net margin 0.4% 1.4% 1.6% 0.8% 0.9% 1.2% 1.6% 1.5% 1.6%

Revenue and income statement

In 2024, JEAN LAIN AUTOMOBILES SEYNOD achieves revenue of 38.2 M€. Revenue is growing positively over 9 years (CAGR: +3.6%). Vs 2023: +7%. After deducting consumption (30.4 M€), gross margin stands at 7.8 M€, i.e. a rate of 20%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 223 k€, representing 0.6% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 172 k€, i.e. 0.4% 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

38 231 502 €

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

7 785 423 €

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

222 799 €

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

217 184 €

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

171 918 €

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

0.6%

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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 70%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 28%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 3.5 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 0.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

70.202%

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

27.745%

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

0.482%

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

3.521

Asset age ratio (2024) ?
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

11.5%

Solvency indicators evolution
JEAN LAIN AUTOMOBILES SEYNOD

Sector positioning

Debt ratio
70.2 2024
2022
2023
2024
Q1: 4.07
Med: 38.27
Q3: 128.18
Average +6 pts over 3 years

In 2024, the debt ratio of JEAN LAIN AUTOMOBILES SEYNOD (70.20) 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
27.75% 2024
2022
2023
2024
Q1: 10.8%
Med: 27.27%
Q3: 53.17%
Good

In 2024, the financial autonomy of JEAN LAIN AUTOMOBILES SEYNOD (27.8%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
3.52 years 2024
2022
2023
2024
Q1: -0.37 years
Med: 0.21 years
Q3: 3.53 years
Average +24 pts over 3 years

In 2024, the repayment capacity of JEAN LAIN AUTOMOBILES SEYNOD (3.52) 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 132.12. 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 58.4x. Operating income very largely covers interest expenses: high safety margin.

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

132.12

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

58.366

Liquidity indicators evolution
JEAN LAIN AUTOMOBILES SEYNOD

Sector positioning

Liquidity ratio
132.12 2024
2022
2023
2024
Q1: 133.15
Med: 200.63
Q3: 386.16
Watch

In 2024, the liquidity ratio of JEAN LAIN AUTOMOBILES SEYNOD (132.12) 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
58.37x 2024
2022
2023
2024
Q1: 0.0x
Med: 2.15x
Q3: 25.16x
Excellent +8 pts over 3 years

In 2024, the interest coverage of JEAN LAIN AUTOMOBILES SEYNOD (58.4x) 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: 19 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 62 days. Excellent situation: suppliers finance 43 days of the operating cycle (retail model). Inventory turnover is 38 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 114 days of revenue, i.e. 12.1 M€ to permanently finance. Over 2016-2024, WCR increased by +130%, requiring additional financing.

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

12 132 767 €

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

19 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

62 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

38 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

114 j

WCR and payment terms evolution
JEAN LAIN AUTOMOBILES SEYNOD

Positioning of JEAN LAIN AUTOMOBILES SEYNOD in its sector

Comparison with sector Commerce de voitures et de véhicules automobiles légers

Valuation estimate

Based on 148 transactions of similar company sales in 2024, the value of JEAN LAIN AUTOMOBILES SEYNOD is estimated at 2 109 143 € (range 955 498€ - 3 798 661€). With an EBITDA of 222 799€, the sector multiple of 1.6x is applied. The price/revenue ratio is 0.16x (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 2024
148 transactions
955k€ 2109k€ 3798k€
2 109 143 € Range: 955 498€ - 3 798 661€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
222 799 € × 1.6x
Estimation 359 425 €
133 749€ - 535 144€
Revenue Multiple 30%
38 231 502 € × 0.16x
Estimation 6 132 435 €
2 800 773€ - 10 820 717€
Net Income Multiple 20%
171 918 € × 2.6x
Estimation 448 502 €
241 961€ - 1 424 372€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 148 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 JEAN LAIN AUTOMOBILES SEYNOD 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 JEAN LAIN AUTOMOBILES SEYNOD

What is the revenue of JEAN LAIN AUTOMOBILES SEYNOD ?

The revenue of JEAN LAIN AUTOMOBILES SEYNOD in 2024 is 38.2 M€.

Is JEAN LAIN AUTOMOBILES SEYNOD profitable?

Yes, JEAN LAIN AUTOMOBILES SEYNOD generated a net profit of 172 k€ in 2024.

Where is the headquarters of JEAN LAIN AUTOMOBILES SEYNOD ?

The headquarters of JEAN LAIN AUTOMOBILES SEYNOD is located in ANNECY (74600), in the department Haute-Savoie.

Where to find the tax return of JEAN LAIN AUTOMOBILES SEYNOD ?

The tax return of JEAN LAIN AUTOMOBILES SEYNOD 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 JEAN LAIN AUTOMOBILES SEYNOD operate?

JEAN LAIN AUTOMOBILES SEYNOD 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.