LODGE ST GERMAIN DEVELOPPEMENTS : revenue, balance sheet and financial ratios

LODGE ST GERMAIN DEVELOPPEMENTS is a French company founded 19 years ago, specialized in the sector Location de logements. Based in SAINT-BAUZILLE-DE-MONTMEL (34160), this company of category PME shows in 2020 a revenue of 159 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 - LODGE ST GERMAIN DEVELOPPEMENTS (SIREN 492476262)
Indicator 2020 2019 2018
Revenue 159 366 € 147 560 € 63 645 €
Net income -130 038 € -130 657 € -185 728 €
EBITDA 19 643 € 25 415 € -33 785 €
Net margin -81.6% -88.5% -291.8%

Revenue and income statement

In 2020, LODGE ST GERMAIN DEVELOPPEMENTS achieves revenue of 159 k€. Over the period 2018-2020, the company shows strong growth with a CAGR (compound annual growth rate) of +58.2%. Vs 2019: +8%. After deducting consumption (0 €), gross margin stands at 159 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 20 k€, representing 12.3% of revenue. Warning negative scissor effect: despite revenue change (+8%), EBITDA varies by -23%, reducing margin by 4.9 pts. This reflects costs rising faster than revenue. This level of operating margin is satisfactory for the sector. Net income is negative at -130 k€ (-81.6% of revenue), which will impact equity.

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

159 366 €

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

159 366 €

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

19 643 €

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

-138 616 €

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

-130 038 €

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

12.3%

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 23%. 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 78%. 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 16.6 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 17.3% 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 (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

22.608%

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

77.661%

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

17.326%

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

16.628

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

66.3%

Solvency indicators evolution
LODGE ST GERMAIN DEVELOPPEMENTS

Sector positioning

Debt ratio
22.61 2020
2018
2019
2020
Q1: -284.03
Med: 0.0
Q3: 132.5
Average

In 2020, the debt ratio of LODGE ST GERMAIN DEVELOPP... (22.61) 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
77.66% 2020
2018
2019
2020
Q1: 0.34%
Med: 45.07%
Q3: 98.3%
Good

In 2020, the financial autonomy of LODGE ST GERMAIN DEVELOPP... (77.7%) 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
16.63 years 2020
2018
2019
2020
Q1: 0.0 years
Med: 0.3 years
Q3: 17.02 years
Average +49 pts over 3 years

In 2020, the repayment capacity of LODGE ST GERMAIN DEVELOPP... (16.63) 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 58.62. 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

58.619

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
LODGE ST GERMAIN DEVELOPPEMENTS

Sector positioning

Liquidity ratio
58.62 2020
2018
2019
2020
Q1: 11.01
Med: 132.1
Q3: 739.36
Average +7 pts over 3 years

In 2020, the liquidity ratio of LODGE ST GERMAIN DEVELOPP... (58.62) 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
0.0x 2020
2018
2019
2020
Q1: 0.0x
Med: 0.0x
Q3: 20.72x
Average

In 2020, the interest coverage of LODGE ST GERMAIN DEVELOPP... (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 23 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 23 days. WCR is negative (-216 days): operations structurally generate 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

-95 479 €

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

23 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

23 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

-216 j

WCR and payment terms evolution
LODGE ST GERMAIN DEVELOPPEMENTS

Positioning of LODGE ST GERMAIN DEVELOPPEMENTS in its sector

Comparison with sector Location de logements

Valuation estimate

Based on 193 transactions of similar company sales in 2020, the value of LODGE ST GERMAIN DEVELOPPEMENTS is estimated at 113 241 € (range 54 367€ - 186 303€). With an EBITDA of 19 643€, the sector multiple of 6.2x is applied. The price/revenue ratio is 0.62x (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 2020
193 transactions
54k€ 113k€ 186k€
113 241 € Range: 54 367€ - 186 303€
NAF 5 année 2020

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
19 643 € × 6.2x
Estimation 121 809 €
50 188€ - 166 544€
Revenue Multiple 30%
159 366 € × 0.62x
Estimation 98 961 €
61 333€ - 219 236€

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 (Location de logements)

Compare LODGE ST GERMAIN DEVELOPPEMENTS with other companies in the same sector:

Voir toutes les statistiques du secteur Location de logements

Frequently asked questions about LODGE ST GERMAIN DEVELOPPEMENTS

What is the revenue of LODGE ST GERMAIN DEVELOPPEMENTS ?

The revenue of LODGE ST GERMAIN DEVELOPPEMENTS in 2020 is 159 k€.

Is LODGE ST GERMAIN DEVELOPPEMENTS profitable?

LODGE ST GERMAIN DEVELOPPEMENTS recorded a net loss in 2020.

Where is the headquarters of LODGE ST GERMAIN DEVELOPPEMENTS ?

The headquarters of LODGE ST GERMAIN DEVELOPPEMENTS is located in SAINT-BAUZILLE-DE-MONTMEL (34160), in the department Herault.

Where to find the tax return of LODGE ST GERMAIN DEVELOPPEMENTS ?

The tax return of LODGE ST GERMAIN DEVELOPPEMENTS 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 LODGE ST GERMAIN DEVELOPPEMENTS operate?

LODGE ST GERMAIN DEVELOPPEMENTS operates in the sector Location de logements (NAF code 68.20A). See the 'Sector positioning' section above to compare the company with its competitors.