SAINT GERVAIS MONT BLANC INVESTISSEMENT : revenue, balance sheet and financial ratios

SAINT GERVAIS MONT BLANC INVESTISSEMENT is a French company founded 6 years ago, specialized in the sector Location de logements. Based in AIX-EN-PROVENCE (13100), this company of category ETI shows in 2023 a revenue of 537 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 GERVAIS MONT BLANC INVESTISSEMENT (SIREN 852505403)
Indicator 2023 2021 2020
Revenue 537 285 € 503 899 € 796 068 €
Net income 42 586 € 22 147 € 109 085 €
EBITDA 489 992 € 456 600 € 604 990 €
Net margin 7.9% 4.4% 13.7%

Revenue and income statement

In 2023, SAINT GERVAIS MONT BLANC INVESTISSEMENT achieves revenue of 537 k€. Revenue is declining over the period 2020-2023 (CAGR: -12.3%). Vs 2021: +7%. After deducting consumption (0 €), gross margin stands at 537 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 490 k€, representing 91.2% of 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 43 k€, i.e. 7.9% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

537 285 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

537 285 €

EBITDA (2023) ?
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

489 992 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

178 031 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

42 586 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

91.2%

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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 2718%. 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 4%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 16.2 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 66.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

2718.434%

Financial autonomy (2023) ?
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

3.509%

Cash flow / Revenue (2023) ?
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

65.988%

Repayment capacity (2023) ?
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

16.248

Asset age ratio (2023) ?
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

81.2%

Solvency indicators evolution
SAINT GERVAIS MONT BLANC INVESTISSEMENT

Sector positioning

Debt ratio
2718.43 2023
2020
2021
2023
Q1: -264.89
Med: 0.0
Q3: 69.73
Watch

In 2023, the debt ratio of SAINT GERVAIS MONT BLANC ... (2718.43) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
3.51% 2023
2020
2021
2023
Q1: 0.0%
Med: 12.31%
Q3: 70.67%
Average +6 pts over 3 years

In 2023, the financial autonomy of SAINT GERVAIS MONT BLANC ... (3.5%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
16.25 years 2023
2020
2021
2023
Q1: 0.0 years
Med: 0.2 years
Q3: 15.27 years
Average

In 2023, the repayment capacity of SAINT GERVAIS MONT BLANC ... (16.25) 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 711.38. 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 24.8x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2023) ?
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

711.384

Interest coverage (2023) ?
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

24.759

Liquidity indicators evolution
SAINT GERVAIS MONT BLANC INVESTISSEMENT

Sector positioning

Liquidity ratio
711.38 2023
2020
2021
2023
Q1: 17.59
Med: 200.66
Q3: 1005.1
Good

In 2023, the liquidity ratio of SAINT GERVAIS MONT BLANC ... (711.38) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
24.76x 2023
2020
2021
2023
Q1: 0.0x
Med: 0.0x
Q3: 18.07x
Excellent +7 pts over 3 years

In 2023, the interest coverage of SAINT GERVAIS MONT BLANC ... (24.8x) 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: 104 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 47 days. The gap of 57 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 86 days of revenue, i.e. 129 k€ to permanently finance. Over 2020-2023, WCR increased by +224%, requiring additional financing.

Operating WCR (2023) ?
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

129 040 €

Customer credit (2023) ?
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

104 j

Supplier credit (2023) ?
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

47 j

Inventory turnover (2023) ?
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

0 j

WCR in days of revenue (2023) ?
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

86 j

WCR and payment terms evolution
SAINT GERVAIS MONT BLANC INVESTISSEMENT

Positioning of SAINT GERVAIS MONT BLANC INVESTISSEMENT in its sector

Comparison with sector Location de logements

Valuation estimate

Based on 215 transactions of similar company sales in 2023, the value of SAINT GERVAIS MONT BLANC INVESTISSEMENT is estimated at 1 393 205 € (range 375 517€ - 2 310 553€). With an EBITDA of 489 992€, the sector multiple of 5.2x is applied. The price/revenue ratio is 0.51x (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 2023
215 transactions
375k€ 1393k€ 2310k€
1 393 205 € Range: 375 517€ - 2 310 553€
NAF 5 année 2023

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
489 992 € × 5.2x
Estimation 2 525 195 €
640 671€ - 4 057 564€
Revenue Multiple 30%
537 285 € × 0.51x
Estimation 274 347 €
124 922€ - 627 626€
Net Income Multiple 20%
42 586 € × 5.7x
Estimation 241 520 €
88 528€ - 467 418€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 215 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 (Location de logements)

Compare SAINT GERVAIS MONT BLANC INVESTISSEMENT with other companies in the same sector:

Voir toutes les statistiques du secteur Location de logements

Frequently asked questions about SAINT GERVAIS MONT BLANC INVESTISSEMENT

What is the revenue of SAINT GERVAIS MONT BLANC INVESTISSEMENT ?

The revenue of SAINT GERVAIS MONT BLANC INVESTISSEMENT in 2023 is 537 k€.

Is SAINT GERVAIS MONT BLANC INVESTISSEMENT profitable?

Yes, SAINT GERVAIS MONT BLANC INVESTISSEMENT generated a net profit of 43 k€ in 2023.

Where is the headquarters of SAINT GERVAIS MONT BLANC INVESTISSEMENT ?

The headquarters of SAINT GERVAIS MONT BLANC INVESTISSEMENT is located in AIX-EN-PROVENCE (13100), in the department Bouches-du-Rhone.

Where to find the tax return of SAINT GERVAIS MONT BLANC INVESTISSEMENT ?

The tax return of SAINT GERVAIS MONT BLANC INVESTISSEMENT 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 GERVAIS MONT BLANC INVESTISSEMENT operate?

SAINT GERVAIS MONT BLANC INVESTISSEMENT operates in the sector Location de logements (NAF code 68.20A). See the 'Sector positioning' section above to compare the company with its competitors.