SIREN : 409418274
SAINT EX FINANCES is a French company founded 29 years ago, specialized in the sector Activités des sièges sociaux. Based in SAINT-JEAN (31240), this company of category PME shows in 2025 a revenue of 2.3 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 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2 261 867 € | 2 083 781 € | 1 936 240 € | 1 760 187 € | 1 358 604 € | 1 573 686 € | 2 439 380 € | 2 079 643 € | 2 045 753 € |
| Net income | 600 311 € | 549 148 € | 462 860 € | 469 102 € | 345 773 € | 81 638 € | 172 696 € | 85 096 € | 163 651 € |
| EBITDA | 69 547 € | 36 755 € | -6 597 € | 22 914 € | 5 876 € | -38 045 € | 117 655 € | -33 205 € | 151 109 € |
| Net margin | 26.5% | 26.4% | 23.9% | 26.7% | 25.5% | 5.2% | 7.1% | 4.1% | 8.0% |
In 2025, SAINT EX FINANCES achieves revenue of 2.3 M€. Revenue is growing positively over 9 years (CAGR: +1.1%). Vs 2024: +9%. After deducting consumption (0 €), gross margin stands at 2.3 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 70 k€, representing 3.1% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 600 k€, i.e. 26.5% of revenue. This profit can be retained or distributed to shareholders.
2 261 867 €
2 261 867 €
69 547 €
57 670 €
600 311 €
3.1%
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 75%. 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 27.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
2.87%
75.104%
27.139%
0.094
66.3%
In 2025, the debt ratio of SAINT EX FINANCES (2.87) 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 SAINT EX FINANCES (75.1%) 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 2025, the repayment capacity of SAINT EX FINANCES (0.09) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 89.70. 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 2.9x. Financial charges are adequately covered by operations.
89.701
2.949
In 2025, the liquidity ratio of SAINT EX FINANCES (89.70) 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.
In 2025, the interest coverage of SAINT EX FINANCES (3.0x) 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: 30 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 183 days. Excellent situation: suppliers finance 153 days of the operating cycle (retail model). WCR is negative (-1 days): operations structurally generate cash. Notable WCR improvement over the period (-108%), freeing up cash.
-6 650 €
30 j
183 j
0 j
-1 j
Based on 54 transactions of similar company sales
in 2025,
the value of SAINT EX FINANCES is estimated at
797 188 €
(range 298 643€ - 1 255 317€).
With an EBITDA of 69 547€, 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 SAINT EX FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sièges sociaux
The revenue of SAINT EX FINANCES in 2025 is 2.3 M€.
Yes, SAINT EX FINANCES generated a net profit of 600 k€ in 2025.
The headquarters of SAINT EX FINANCES is located in SAINT-JEAN (31240), in the department Haute-Garonne.
The tax return of SAINT EX 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 EX 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.