SIREN : 490869112
SAINT GERMAIN IMMOBILIER is a French company founded 19 years ago, specialized in the sector Agences immobilières. Based in SAINT-GERMAIN-SUR-MORIN (77860), this company of category PME shows in 2025 a revenue of 84 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 |
|---|---|---|
| Revenue | 84 374 € | 157 113 € |
| Net income | -15 174 € | -31 401 € |
| EBITDA | -12 272 € | -28 531 € |
| Net margin | -18.0% | -20.0% |
In 2025, SAINT GERMAIN IMMOBILIER achieves revenue of 84 k€. Significant drop of -46% vs 2024. After deducting consumption (0 €), gross margin stands at 84 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 -12 k€, representing -14.5% of revenue. Positive scissor effect: EBITDA margin improves by +3.6 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -15 k€ (-18.0% of revenue), which will impact equity.
84 374 €
84 374 €
-12 272 €
-14 951 €
-15 174 €
-14.4%
The debt ratio (= Financial debt / Equity x 100) stands at 47%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 33%. The balance between equity and debt is satisfactory.
47.35%
33.153%
-14.624%
-1.752
9.0%
In 2025, the debt ratio of SAINT GERMAIN IMMOBILIER (47.35) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2025, the financial autonomy of SAINT GERMAIN IMMOBILIER (33.1%) 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 SAINT GERMAIN IMMOBILIER (-1.75) 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 185.12. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
185.119
-1.809
In 2025, the liquidity ratio of SAINT GERMAIN IMMOBILIER (185.12) 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 SAINT GERMAIN IMMOBILIER (-1.8x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 459 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 162 days. The gap of 297 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 447 days of revenue, i.e. 105 k€ to permanently finance.
104 712 €
459 j
162 j
0 j
447 j
Based on 55 transactions of similar company sales
in 2025,
the value of SAINT GERMAIN IMMOBILIER is estimated at
18 037 €
(range 7 416€ - 43 456€).
The price/revenue ratio is 0.21x
(conservative valuation).
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.
Only this financial indicator is available for this company.
This estimate is based on the analysis of 55 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 GERMAIN IMMOBILIER with other companies in the same sector:
Voir toutes les statistiques du secteur Agences immobilières
The revenue of SAINT GERMAIN IMMOBILIER in 2025 is 84 k€.
SAINT GERMAIN IMMOBILIER recorded a net loss in 2025.
The headquarters of SAINT GERMAIN IMMOBILIER is located in SAINT-GERMAIN-SUR-MORIN (77860), in the department Seine-et-Marne.
The tax return of SAINT GERMAIN IMMOBILIER 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 GERMAIN IMMOBILIER operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.