SIREN : 491955431
SAINT AMON FINANCES is a French company founded 19 years ago, specialized in the sector Activités des sociétés holding. Based in LAXOU (54520), this company of category PME shows in 2024 a revenue of 32 k€. 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
| Indicator | 2024 | 2023 | 2022 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 32 100 € | 32 800 € | 28 350 € | 12 000 € | 20 520 € | 12 000 € | 11 005 € | 76 715 € |
| Net income | 88 767 € | 80 436 € | 78 430 € | -2 683 € | 9 172 € | -72 307 € | -99 968 € | -24 453 € |
| EBITDA | 8 706 € | -238 € | 2 475 € | -4 060 € | -2 902 € | -8 993 € | -11 931 € | -793 € |
| Net margin | 276.5% | 245.2% | 276.6% | -22.4% | 44.7% | -602.6% | -908.4% | -31.9% |
In 2024, SAINT AMON FINANCES achieves revenue of 32 k€. Revenue is declining over the period 2016-2024 (CAGR: -10.3%). Slight decline of -2% vs 2023. After deducting consumption (0 €), gross margin stands at 32 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 9 k€, representing 27.1% of revenue. Positive scissor effect: EBITDA margin improves by +27.8 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 89 k€, i.e. 276.5% of revenue. This profit can be retained or distributed to shareholders.
32 100 €
32 100 €
8 706 €
8 704 €
88 767 €
27.1%
The debt ratio (= Financial debt / Equity x 100) stands at 6%. 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 84%. 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 0.7 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 120.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
6.172%
84.42%
120.779%
0.712
In 2024, the debt ratio of SAINT AMON FINANCES (6.17) 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 SAINT AMON FINANCES (84.4%) 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 SAINT AMON FINANCES (0.71) 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 348.06. 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 0.0x. Danger: operating income does not cover interest charges, unsustainable situation.
348.058
0.011
In 2024, the liquidity ratio of SAINT AMON FINANCES (348.06) 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 SAINT AMON FINANCES (0.0x) 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: 190 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 330 days. Excellent situation: suppliers finance 140 days of the operating cycle (retail model). Overall, WCR represents 524 days of revenue, i.e. 47 k€ to permanently finance. Notable WCR improvement over the period (-70%), freeing up cash.
46 756 €
190 j
330 j
0 j
524 j
Based on 54 transactions of similar company sales
in 2024,
the value of SAINT AMON FINANCES is estimated at
52 639 €
(range 23 621€ - 175 607€).
With an EBITDA of 8 706€, 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 SAINT AMON FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of SAINT AMON FINANCES in 2024 is 32 k€.
Yes, SAINT AMON FINANCES generated a net profit of 89 k€ in 2024.
The headquarters of SAINT AMON FINANCES is located in LAXOU (54520), in the department Meurthe-et-Moselle.
The tax return of SAINT AMON 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).
SAINT AMON FINANCES 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.