SIREN : 395335425
S2I FINANCE is a French company founded 31 years ago, specialized in the sector Activités des sociétés holding. Based in LES HAUTS-D'ANJOU (49330), this company of category PME shows in 2024 a revenue of 2.1 M€. 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 2 134 473 € | 2 360 424 € | 2 231 548 € | 2 231 964 € | 1 858 439 € | 1 648 855 € | 1 446 372 € | 1 424 690 € |
| Net income | -1 834 € | 2 688 € | 28 343 € | 48 598 € | 23 048 € | 59 948 € | -17 712 € | 7 026 € |
| EBITDA | 19 821 € | 16 335 € | 58 773 € | 65 628 € | 28 867 € | 39 263 € | -12 174 € | 11 848 € |
| Net margin | -0.1% | 0.1% | 1.3% | 2.2% | 1.2% | 3.6% | -1.2% | 0.5% |
In 2024, S2I FINANCE achieves revenue of 2.1 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +5.2%. Slight decline of -10% vs 2023. After deducting consumption (1.5 M€), gross margin stands at 593 k€, i.e. a rate of 28%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 20 k€, representing 0.9% of revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -2 k€ (-0.1% of revenue), which will impact equity.
2 134 473 €
592 828 €
19 821 €
13 447 €
-1 834 €
0.9%
The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 76%. 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 0.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 1.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
0.334%
75.823%
1.005%
0.127
16.4%
In 2024, the debt ratio of S2I FINANCE (0.33) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of S2I FINANCE (75.8%) 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.
In 2024, the repayment capacity of S2I FINANCE (0.13) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 320.00. 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 100.9x. Operating income very largely covers interest expenses: high safety margin.
320.001
100.903
In 2024, the liquidity ratio of S2I FINANCE (320.00) 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.
In 2024, the interest coverage of S2I FINANCE (100.9x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 31 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 39 days. Favorable situation: supplier credit is longer than customer credit by 8 days. Inventory turnover is 25 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 52 days of revenue, i.e. 309 k€ to permanently finance. Over 2016-2024, WCR increased by +33%, requiring additional financing.
309 413 €
31 j
39 j
25 j
52 j
Based on 54 transactions of similar company sales
in 2024,
the value of S2I FINANCE is estimated at
531 176 €
(range 303 329€ - 663 487€).
With an EBITDA of 19 821€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.59x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 54 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare S2I FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of S2I FINANCE in 2024 is 2.1 M€.
S2I FINANCE recorded a net loss in 2024.
The headquarters of S2I FINANCE is located in LES HAUTS-D'ANJOU (49330), in the department Maine-et-Loire.
The tax return of S2I FINANCE 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).
S2I FINANCE operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.