RESIDENCE SAINT CHARLES : revenue, balance sheet and financial ratios

RESIDENCE SAINT CHARLES is a French company founded 14 years ago, specialized in the sector Hébergement médicalisé pour personnes âgées. Based in SAINT-FLORENTIN (89600), this company of category GE shows in 2025 a revenue of 2.1 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-09-19

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

Synthèse

Santé financière : Sous tension

Point(s) de vigilance : exercice déficitaire ; liquidité à court terme tendue.

In summary, RESIDENCE SAINT CHARLES is currently loss-making, which weighs on its accounts. Its financial structure is solid, with debt well contained relative to its sector. Point of attention: short-term liquidity is tight.

Financial history - RESIDENCE SAINT CHARLES (SIREN 538528191)
Indicator 2025 2024 2023 2021 2020 2019 2018 2017 2016
Revenue 2 103 036 € 1 918 222 € 1 804 668 € 1 616 855 € 1 555 635 € 1 522 973 € 1 430 719 € N/C 1 416 812 €
Net income -43 990 € -113 135 € -55 007 € 75 848 € 282 387 € -84 211 € 25 721 € 3 243 € 46 159 €
EBITDA 15 762 € -181 781 € -151 461 € -21 991 € 254 184 € 21 488 € 15 305 € N/C -58 186 €
Net margin -2.1% -5.9% -3.0% 4.7% 18.2% -5.5% 1.8% N/C 3.3%

Revenue and income statement

In 2025, RESIDENCE SAINT CHARLES achieves revenue of 2.1 M€. Over the period 2020-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +6.2%. Vs 2024: +10%. After deducting consumption (131 k€), gross margin stands at 2.0 M€, i.e. a rate of 94%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 16 k€, representing 0.7% of revenue. Positive scissor effect: EBITDA margin improves by +10.2 pts, sign of improved operational efficiency. This ratio is less favorable than the sector median (9.3%) and warrants attention. Net income is negative at -44 k€ (-2.1% of revenue), which will impact equity.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

2 103 036 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

1 972 228 €

EBITDA (2025) ?
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

15 762 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-55 233 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-43 990 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

0.8%

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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 0%. Compared with its sector, this ratio places the company among the best positioned (sector median: 10.6%). Financial autonomy (= Equity / Total assets x 100) reaches 24%. This ratio is less favorable than the sector median (47.5%) and warrants attention. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.0 years of cash flow to repay all financial debt. This ratio is more favorable than the sector median (0.4 years). Cash flow represents 1.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This ratio is less favorable than the sector median (8.0%) and warrants attention.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.37%

Financial autonomy (2025) ?
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

24.08%

Cash flow / Revenue (2025) ?
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

1.59%

Repayment capacity (2025) ?
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

0.02

Asset age ratio (2025) ?
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

35.8%

Solvency indicators evolution
RESIDENCE SAINT CHARLES

Sector positioning

Debt ratio
0.37% 2025
Q1: 0.6%
Med: 10.55%
Q3: 41.66%
Excellent +14 pts over 3 years

In 2025, the debt ratio of RESIDENCE SAINT CHARLES (0.4%) 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
24.08% 2025
Q1: 33.2%
Med: 47.49%
Q3: 59.9%
Watch -26 pts over 3 years

In 2025, the financial autonomy of RESIDENCE SAINT CHARLES (24.1%) ranks in the bottom 25% of the sector. This ratio represents the share of equity in total financing. Low autonomy may limit investment capacity and increase vulnerability.

Repayment capacity
0.02 years 2025
Q1: 0.0 years
Med: 0.42 years
Q3: 1.28 years
Good

In 2025, the repayment capacity of RESIDENCE SAINT CHARLES (0.02) 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 0.34. Alert: short-term debt exceeds current assets. Risk of payment difficulties without cash reinforcement. The interest coverage ratio (= EBIT / Interest expenses) is 3.2x. This ratio is more favorable than the sector median (0.9x).

Liquidity ratio (2025) ?
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

0.34

Interest coverage (2025) ?
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

3.2

Liquidity indicators evolution
RESIDENCE SAINT CHARLES

Sector positioning

Liquidity ratio
0.34 2025
Q1: 1.24
Med: 1.82
Q3: 2.46
Watch

In 2025, the liquidity ratio of RESIDENCE SAINT CHARLES (0.34) 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
3.2x 2025
Q1: 0.0x
Med: 0.87x
Q3: 11.19x
Good +31 pts over 2 years

In 2025, the interest coverage of RESIDENCE SAINT CHARLES (3.2x) 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: 5 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 35 days. Favorable situation: supplier credit is longer than customer credit by 30 days. Inventory turnover is 1 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. WCR is negative (-36 days): operations structurally generate cash.

Operating WCR (2025) ?
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

-207 759 €

Customer credit (2025) ?
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

5 j

Supplier credit (2025) ?
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

35 j

Inventory turnover (2025) ?
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

1 j

WCR in days of revenue (2025) ?
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

-36 j

WCR and payment terms evolution
RESIDENCE SAINT CHARLES

Positioning of RESIDENCE SAINT CHARLES in its sector

Comparison with sector Hébergement médicalisé pour personnes âgées

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 1 957€ to 9 044€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2025
Indicative
1k€ 6k€ 9k€
6 199 € Range: 1 957€ - 9 044€
NAF 5 all-time
How is this estimate calculated?

This estimate is based on the analysis of 20 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 (Hébergement médicalisé pour personnes âgées)

Compare RESIDENCE SAINT CHARLES with other companies in the same sector:

Voir toutes les statistiques du secteur Hébergement médicalisé pour personnes âgées

Top companies in Hébergement médicalisé pour personnes âgées

Largest companies by revenue in the sector Hébergement médicalisé pour personnes âgées:

Top companies in Yonne

Largest companies by revenue in the department Yonne:

Voir le classement complet du département Yonne

Frequently asked questions about RESIDENCE SAINT CHARLES

What is the revenue of RESIDENCE SAINT CHARLES ?

The revenue of RESIDENCE SAINT CHARLES in 2025 is 2.1 M€.

Is RESIDENCE SAINT CHARLES profitable?

RESIDENCE SAINT CHARLES recorded a net loss in 2025.

Where is the headquarters of RESIDENCE SAINT CHARLES ?

The headquarters of RESIDENCE SAINT CHARLES is located in SAINT-FLORENTIN (89600), in the department Yonne.

Where to find the tax return of RESIDENCE SAINT CHARLES ?

The tax return of RESIDENCE SAINT CHARLES 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 RESIDENCE SAINT CHARLES operate?

RESIDENCE SAINT CHARLES operates in the sector Hébergement médicalisé pour personnes âgées (NAF code 87.10A). See the 'Sector positioning' section above to compare the company with its competitors.