SIREN : 828173252
S.A.F. FINANCES is a French company founded 9 years ago, specialized in the sector Activités des sièges sociaux. Based in LA ROCHELLE (17000), this company of category PME shows in 2025 a revenue of 300 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 300 000 € | 248 400 € | 196 800 € | 159 600 € | 124 715 € | 100 000 € | 60 150 € | 8 682 € |
| Net income | 68 316 € | 154 668 € | 85 016 € | 32 191 € | -212 764 € | -800 € | -73 808 € | 10 815 € |
| EBITDA | 87 867 € | 89 647 € | 55 455 € | 42 027 € | 15 100 € | 15 392 € | 15 455 € | -3 627 € |
| Net margin | 22.8% | 62.3% | 43.2% | 20.2% | -170.6% | -0.8% | -122.7% | 124.6% |
In 2025, S.A.F. FINANCES achieves revenue of 300 k€. Over the period 2018-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +65.9%. Vs 2024, growth of +21% (248 k€ -> 300 k€). After deducting consumption (0 €), gross margin stands at 300 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 88 k€, representing 29.3% of revenue. Warning negative scissor effect: despite revenue change (+21%), EBITDA varies by -2%, reducing margin by 6.8 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 68 k€, i.e. 22.8% of revenue. This profit can be retained or distributed to shareholders.
300 000 €
300 000 €
87 867 €
87 777 €
68 316 €
29.3%
The debt ratio (= Financial debt / Equity x 100) stands at 3%. 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 3%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 22.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
2.937%
2.502%
22.803%
0.0
50.2%
In 2025, the debt ratio of S.A.F. FINANCES (2.94) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2025, the financial autonomy of S.A.F. FINANCES (2.5%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2025, the repayment capacity of S.A.F. FINANCES (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.
The liquidity ratio (= Current assets / Current liabilities) stands at 184.14. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
184.143
0.0
In 2025, the liquidity ratio of S.A.F. FINANCES (184.14) 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 2025, the interest coverage of S.A.F. FINANCES (0.0x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 42 days. Excellent situation: suppliers finance 42 days of the operating cycle (retail model). WCR is negative (-69 days): operations structurally generate cash. Notable WCR improvement over the period (-946%), freeing up cash.
-57 162 €
0 j
42 j
0 j
-69 j
Based on 54 transactions of similar company sales
in 2025,
the value of S.A.F. FINANCES is estimated at
141 556 €
(range 61 000€ - 253 251€).
With an EBITDA of 87 867€, the sector multiple of 1.1x is applied.
The price/revenue ratio is 0.63x
(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 S.A.F. FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sièges sociaux
The revenue of S.A.F. FINANCES in 2025 is 300 k€.
Yes, S.A.F. FINANCES generated a net profit of 68 k€ in 2025.
The headquarters of S.A.F. FINANCES is located in LA ROCHELLE (17000), in the department Charente-Maritime.
The tax return of S.A.F. FINANCES 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).
S.A.F. FINANCES operates in the sector Activités des sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.