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SAINT GERMAIN PATRIMOINE : revenue, balance sheet and financial ratios

SAINT GERMAIN PATRIMOINE is a French company founded 10 years ago, specialized in the sector Activités des marchands de biens immobiliers. Based in RENNES (35000), this company of category PME shows in 2016 a revenue of 176 k€. 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

Financial history - SAINT GERMAIN PATRIMOINE (SIREN 820018752)
Indicator 2016
Revenue 176 485 €
Net income 968 €
EBITDA 4 372 €
Net margin 0.5%

Revenue and income statement

In 2016, SAINT GERMAIN PATRIMOINE achieves revenue of 176 k€. After deducting consumption (157 k€), gross margin stands at 19 k€, i.e. a rate of 11%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 4 k€, representing 2.5% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 968 €, i.e. 0.5% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2016) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

176 485 €

Gross margin (2016) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

19 240 €

EBITDA (2016) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

4 372 €

EBIT (2016) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

4 285 €

Net income (2016) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

968 €

EBITDA margin (2016) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

2.5%

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 5396%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 97%. 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 256.8 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 0.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2016) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

5396.462%

Financial autonomy (2016) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

96.702%

Cash flow / Revenue (2016) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

0.598%

Repayment capacity (2016) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

256.762

Asset age ratio (2016) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

96.9%

Solvency indicators evolution
SAINT GERMAIN PATRIMOINE

Sector positioning

Debt ratio
5396.46 2016
2016
Q1: 0.0
Med: 10.77
Q3: 217.34
Average

In 2016, the debt ratio of SAINT GERMAIN PATRIMOINE (5396.46) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
96.7% 2016
2016
Q1: 0.28%
Med: 23.34%
Q3: 69.1%
Excellent

In 2016, the financial autonomy of SAINT GERMAIN PATRIMOINE (96.7%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
256.76 years 2016
2016
Q1: -3.84 years
Med: 0.0 years
Q3: 2.52 years
Average

In 2016, the repayment capacity of SAINT GERMAIN PATRIMOINE (256.76) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 119.92. 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 44.0x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2016) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

119.919

Interest coverage (2016) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

43.984

Liquidity indicators evolution
SAINT GERMAIN PATRIMOINE

Sector positioning

Liquidity ratio
119.92 2016
2016
Q1: 132.59
Med: 392.6
Q3: 2038.21
Watch

In 2016, the liquidity ratio of SAINT GERMAIN PATRIMOINE (119.92) 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.

Interest coverage
43.98x 2016
2016
Q1: -2.23x
Med: 0.0x
Q3: 3.98x
Excellent

In 2016, the interest coverage of SAINT GERMAIN PATRIMOINE (44.0x) 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) and payment terms

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: 16 days. Favorable situation: supplier credit is longer than customer credit by 16 days. Inventory turnover is 782 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 128 days of revenue, i.e. 63 k€ to permanently finance.

Operating WCR (2016) ?
Operating WCR
Definition
Financing requirement generated by the operating cycle (inventory + receivables - trade payables).
Formula
Inventory + Customer receivables - Trade payables
Interpretation
Negative = cash released
Positive = financing needed

62 965 €

Customer credit (2016) ?
Customer credit (days)
Definition
Average payment term granted to customers.
Formula
(Customer receivables / Revenue incl. VAT) x 360
Interpretation
< 45j : Good
45-60j : Average
> 60j : Long

0 j

Supplier credit (2016) ?
Supplier credit (days)
Definition
Average payment term obtained from suppliers.
Formula
(Trade payables / Purchases incl. VAT) x 360
Interpretation
The longer the term, the better for cash flow

16 j

Inventory turnover (2016) ?
Inventory turnover (days)
Definition
Average storage duration for goods or materials.
Formula
(Inventory / Cost of goods) x 360
Interpretation
The lower the ratio, the faster the turnover

782 j

WCR in days of revenue (2016) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

128 j

WCR and payment terms evolution
SAINT GERMAIN PATRIMOINE

Positioning of SAINT GERMAIN PATRIMOINE in its sector

Comparison with sector Activités des marchands de biens immobiliers

Valuation estimate

Based on 258 transactions of similar company sales (all years), the value of SAINT GERMAIN PATRIMOINE is estimated at 46 344 € (range 20 999€ - 80 436€). With an EBITDA of 4 372€, the sector multiple of 4.9x is applied. The price/revenue ratio is 0.65x (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.

Estimated enterprise value 2016
258 transactions
20k€ 46k€ 80k€
46 344 € Range: 20 999€ - 80 436€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
4 372 € × 4.9x
Estimation 21 550 €
8 506€ - 41 829€
Revenue Multiple 30%
176 485 € × 0.65x
Estimation 114 952 €
54 697€ - 191 175€
Net Income Multiple 20%
968 € × 5.6x
Estimation 5 423 €
1 685€ - 10 849€
How is this estimate calculated?

This estimate is based on the analysis of 258 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Activités des marchands de biens immobiliers)

Compare SAINT GERMAIN PATRIMOINE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des marchands de biens immobiliers

Frequently asked questions about SAINT GERMAIN PATRIMOINE

What is the revenue of SAINT GERMAIN PATRIMOINE ?

The revenue of SAINT GERMAIN PATRIMOINE in 2016 is 176 k€.

Is SAINT GERMAIN PATRIMOINE profitable?

Yes, SAINT GERMAIN PATRIMOINE generated a net profit of 968€ in 2016.

Where is the headquarters of SAINT GERMAIN PATRIMOINE ?

The headquarters of SAINT GERMAIN PATRIMOINE is located in RENNES (35000), in the department Ille-et-Vilaine.

Where to find the tax return of SAINT GERMAIN PATRIMOINE ?

The tax return of SAINT GERMAIN PATRIMOINE 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).

In which sector does SAINT GERMAIN PATRIMOINE operate?

SAINT GERMAIN PATRIMOINE operates in the sector Activités des marchands de biens immobiliers (NAF code 68.10Z). See the 'Sector positioning' section above to compare the company with its competitors.