Employees: 11 (2023.0)Legal category: SCA (commandite par actions)Size: PMECreation date: 1985-04-15 (41 years)Status: ActiveBusiness sector: Commerce de gros (commerce interentreprises) d'autres biens domestiques Location: SAINT-CHAMOND (42400), Loire
MINERAMA : revenue, balance sheet and financial ratios
MINERAMA is a French company
founded 41 years ago,
specialized in the sector Commerce de gros (commerce interentreprises) d'autres biens domestiques .
Based in SAINT-CHAMOND (42400),
this company of category PME
shows in 2024 a revenue of 2.4 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
En 2024, MINERAMA alcanza unos ingresos de 2.4 M€. Los ingresos crecen positivamente durante 9 años (TCAC: +0.5%). Caída significativa de -23% vs 2023. Tras deducir el consumo (1.1 M€), el margen bruto se sitúa en 1.3 M€, es decir, una tasa del 55%. El EBITDA alcanza 317 k€, representando el 13.3% de los ingresos. Advertencia efecto tijera negativo: a pesar del cambio en ingresos (-23%), el EBITDA varía en -42%, reduciendo el margen en 4.4 puntos. Este nivel de margen operativo es satisfactorio para el sector. El resultado neto asciende a 231 k€, es decir, el 9.7% de los ingresos.
Revenue (2024)
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Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production
2 378 939 €
Gross margin (2024)
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Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed
1 300 896 €
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
317 146 €
EBIT (2024)
?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals
298 887 €
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
230 543 €
EBITDA margin (2024)
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EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability 5-10% : Average < 5% : Low
13.3%
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
El ratio de endeudamiento (= Deuda financiera / Fondos propios x 100) se sitúa en 0%. Este nivel muy bajo refleja una estructura financiera sólida. La autonomía financiera (= Fondos propios / Total activo x 100) alcanza el 92%. Esta alta autonomía significa que la empresa financia la mayoría de sus activos con fondos propios. La capacidad de reembolso indica que se necesitarían 0.0 años de flujo de caja. Este corto período demuestra una excelente sostenibilidad de la deuda. El flujo de caja representa el 10.4% de los ingresos. Este alto nivel proporciona una fuerte capacidad de autofinanciación.
Debt ratio (2024)
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Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
0.175%
Financial autonomy (2024)
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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
91.866%
Cash flow / Revenue (2024)
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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
10.445%
Repayment capacity (2024)
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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
0.01
Asset age ratio (2024)
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Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Debt ratio
35.463
19.543
3.077
2.846
40.115
5.857
9.06
9.601
0.175
Financial autonomy
67.788
77.072
88.015
79.123
65.929
78.781
75.385
82.242
91.866
Repayment capacity
None
1.319
0.176
0.138
1.78
0.2
0.325
0.468
0.01
Cash flow / Revenue
None%
10.95%
12.316%
14.068%
15.608%
15.896%
15.644%
13.38%
10.445%
Sector positioning
Ratio de endeudamiento
0.172024
2022
2023
2024
Q1: 0.08
Med: 13.95
Q3: 53.28
Bueno-9 pts over 3 years
En 2024, el ratio de endeudamiento de MINERAMA (0.17) se sitúa por debajo de la mediana del sector. Este ratio mide el peso de la deuda en relación con el patrimonio. Esta posición controlada refleja una gestión prudente.
Autonomía financiera
91.87%2024
2022
2023
2024
Q1: 15.13%
Med: 40.89%
Q3: 62.7%
Excelente
En 2024, el autonomía financiera de MINERAMA (91.9%) se sitúa en el top 25% del sector. Este ratio representa la parte del patrimonio en la financiación total. Alta autonomía refleja independencia financiera y capacidad para absorber choques.
Capacidad de reembolso
0.01 ans2024
2022
2023
2024
Q1: 0.0 ans
Med: 0.0 ans
Q3: 1.68 ans
Average
En 2024, el capacidad de reembolso de MINERAMA (0.0 an) se sitúa por encima de la mediana del sector. Este ratio indica el número de años necesarios para pagar la deuda con flujo de caja. Un esfuerzo de reducción podría mejorar la solidez financiera.
Liquidity ratios
El ratio de liquidez se sitúa en 1129.59. La empresa tiene 2€ de activos líquidos por cada 1€ de deuda a corto plazo. El ratio de cobertura de intereses (= EBIT / Gastos financieros) es de 4.9x. Los gastos financieros están adecuadamente cubiertos por las operaciones.
Liquidity ratio (2024)
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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
1129.586
Interest coverage (2024)
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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
4.882
Liquidity indicators evolution MINERAMA
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Liquidity ratio
1066.169
1104.26
943.468
484.945
1198.53
547.65
513.414
909.741
1129.586
Interest coverage
None
3.737
5.296
3.737
3.002
2.509
3.494
4.711
4.882
Sector positioning
Ratio de liquidez
1129.592024
2022
2023
2024
Q1: 148.38
Med: 236.0
Q3: 414.69
Excelente
En 2024, el ratio de liquidez de MINERAMA (1129.59) se sitúa en el top 25% del sector. Este ratio mide la capacidad de cubrir deuda a corto plazo con activos corrientes. Un ratio superior a 1 asegura cobertura cómoda de vencimientos a corto plazo.
Cobertura de intereses
4.88x2024
2022
2023
2024
Q1: 0.0x
Med: 0.11x
Q3: 6.38x
Bueno
En 2024, el cobertura de intereses de MINERAMA (4.9x) se sitúa por encima de la mediana del sector. Este ratio indica cuántas veces el resultado operativo cubre los gastos de intereses. Esta posición cómoda ofrece un margen de seguridad apreciable.
Working capital requirement (WCR) and payment terms
El fondo de maniobra operativo (FM) mide el desfase temporal de tesorería. Plazo medio de cobro a clientes: 14 días. Plazo proveedores: 26 días. Situación favorable. La rotación de existencias es de 131 días. Este alto nivel inmoviliza tesorería y potencialmente crea riesgo de obsolescencia. El FM representa 273 días de ingresos.
Operating WCR (2024)
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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
1 801 142 €
Customer credit (2024)
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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
14 j
Supplier credit (2024)
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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
26 j
Inventory turnover (2024)
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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
131 j
WCR in days of revenue (2024)
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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
273 j
WCR and payment terms evolution MINERAMA
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Operating WCR
0 €
1 710 911 €
1 581 553 €
1 971 680 €
1 615 396 €
1 232 090 €
1 383 636 €
1 282 116 €
1 801 142 €
Inventory turnover (days)
0
209
179
182
163
90
94
118
131
Customer payment term (days)
0
55
51
33
24
14
14
16
14
Supplier payment term (days)
0
14
17
54
23
42
56
26
26
Positioning of MINERAMA in its sector
Comparison with sector Commerce de gros (commerce interentreprises) d'autres biens domestiques
Valuation estimate
Based on 145 transactions of similar company sales
(all years),
the value of MINERAMA is estimated at
702 960 €
(range 257 988€ - 1 783 634€).
With an EBITDA of 317 146€, the sector multiple of 2.6x is applied.
The price/revenue ratio is 0.19x
(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 value2024
145 transactions
257k€702k€1783k€
702 960 €Range: 257 988€ - 1 783 634€
NAF 5 all-time
Valuation detail by method
Ajustez les pondérations selon votre analyse
EBITDA Multiple50%
317 146 €×2.6x
Estimation826 581 €
300 705€ - 2 323 480€
Revenue Multiple30%
2 378 939 €×0.19x
Estimation455 153 €
256 171€ - 1 160 334€
Net Income Multiple20%
230 543 €×3.3x
Estimation765 618 €
153 924€ - 1 368 974€
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
How is this estimate calculated?
This estimate is based on the analysis of 145 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 gros (commerce interentreprises) d'autres biens domestiques )
Compare MINERAMA with other companies in the same sector:
Yes, MINERAMA generated a net profit of 231 k€ in 2024.
Where is the headquarters of MINERAMA ?
The headquarters of MINERAMA is located in SAINT-CHAMOND (42400), in the department Loire.
Where to find the tax return of MINERAMA ?
The tax return of MINERAMA 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 MINERAMA operate?
MINERAMA operates in the sector Commerce de gros (commerce interentreprises) d'autres biens domestiques (NAF code 46.49Z). See the 'Sector positioning' section above to compare the company with its competitors.
Item evolution
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