LOIR ET CHER SECURITE : revenue, balance sheet and financial ratios

LOIR ET CHER SECURITE is a French company founded 19 years ago, specialized in the sector Activités de sécurité privée . Based in SAINT-GERVAIS-LA-FORET (41350), this company of category PME shows in 2024 a revenue of 3.5 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

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

Financial history - LOIR ET CHER SECURITE (SIREN 494254790)
Indicator 2024 2023 2022 2021
Revenue 3 514 635 € 2 648 165 € 2 191 286 € 1 204 337 €
Net income 32 481 € 35 956 € 31 030 € -7 642 €
EBITDA 17 606 € 45 654 € 41 863 € -6 390 €
Net margin 0.9% 1.4% 1.4% -0.6%

Revenue and income statement

In 2024, LOIR ET CHER SECURITE achieves revenue of 3.5 M€. Over the period 2021-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +42.9%. Vs 2023, growth of +33% (2.6 M€ -> 3.5 M€). After deducting consumption (0 €), gross margin stands at 3.5 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 18 k€, representing 0.5% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 32 k€, i.e. 0.9% 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

3 514 635 €

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

3 514 635 €

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

17 606 €

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

53 898 €

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

32 481 €

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

0.5%

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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 179%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 23%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 1.2% 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

179.468%

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

23.135%

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

1.174%

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

1.293

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

49.7%

Solvency indicators evolution
LOIR ET CHER SECURITE

Sector positioning

Debt ratio
179.47 2024
2022
2023
2024
Q1: 0.0
Med: 5.49
Q3: 44.57
Watch

In 2024, the debt ratio of LOIR ET CHER SECURITE (179.47) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
23.14% 2024
2022
2023
2024
Q1: 3.76%
Med: 19.73%
Q3: 40.99%
Good +20 pts over 3 years

In 2024, the financial autonomy of LOIR ET CHER SECURITE (23.1%) 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
1.29 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.36 years
Watch

In 2024, the repayment capacity of LOIR ET CHER SECURITE (1.29) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 120.11. 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 0.4x. 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

120.106

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

0.409

Liquidity indicators evolution
LOIR ET CHER SECURITE

Sector positioning

Liquidity ratio
120.11 2024
2022
2023
2024
Q1: 102.63
Med: 133.39
Q3: 193.35
Average +13 pts over 3 years

In 2024, the liquidity ratio of LOIR ET CHER SECURITE (120.11) 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
0.41x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 0.63x
Good

In 2024, the interest coverage of LOIR ET CHER SECURITE (0.4x) 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: 44 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 21 days. The company must finance 23 days of gap between collections and payments. WCR is negative (-3 days): operations structurally generate cash. Over 2021-2024, WCR increased by +59%, 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

-29 945 €

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

44 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

21 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

-3 j

WCR and payment terms evolution
LOIR ET CHER SECURITE

Positioning of LOIR ET CHER SECURITE in its sector

Comparison with sector Activités de sécurité privée

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (34 transactions). This range of 110 659€ to 545 433€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2024
Indicative
110k€ 248k€ 545k€
248 687 € Range: 110 659€ - 545 433€
NAF 5 all-time
How is this estimate calculated?

This estimate is based on the analysis of 34 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 de sécurité privée )

Compare LOIR ET CHER SECURITE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités de sécurité privée

Frequently asked questions about LOIR ET CHER SECURITE

What is the revenue of LOIR ET CHER SECURITE ?

The revenue of LOIR ET CHER SECURITE in 2024 is 3.5 M€.

Is LOIR ET CHER SECURITE profitable?

Yes, LOIR ET CHER SECURITE generated a net profit of 32 k€ in 2024.

Where is the headquarters of LOIR ET CHER SECURITE ?

The headquarters of LOIR ET CHER SECURITE is located in SAINT-GERVAIS-LA-FORET (41350), in the department Loir-et-Cher.

Where to find the tax return of LOIR ET CHER SECURITE ?

The tax return of LOIR ET CHER SECURITE 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 LOIR ET CHER SECURITE operate?

LOIR ET CHER SECURITE operates in the sector Activités de sécurité privée (NAF code 80.10Z). See the 'Sector positioning' section above to compare the company with its competitors.