SAINT HERBLAIN AUTOMOBILES : revenue, balance sheet and financial ratios

SAINT HERBLAIN AUTOMOBILES is a French company founded 51 years ago, specialized in the sector Commerce de voitures et de véhicules automobiles légers. Based in SAINT-HERBLAIN (44800), this company of category ETI shows in 2025 a revenue of 56.0 M€. 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

Financial history - SAINT HERBLAIN AUTOMOBILES (SIREN 303766067)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 55 953 865 € 44 615 628 € 49 923 869 € 74 633 694 € 88 116 477 € 51 980 976 € 85 448 282 € 94 923 507 € 93 133 650 € 88 167 088 €
Net income -1 592 162 € -2 964 188 € 54 543 € 799 061 € 476 977 € 402 878 € 409 079 € 687 507 € 455 744 € 302 767 €
EBITDA -1 187 165 € -2 080 922 € -729 705 € 304 028 € 88 426 € 121 660 € 32 680 € 391 058 € 322 153 € 47 786 €
Net margin -2.8% -6.6% 0.1% 1.1% 0.5% 0.8% 0.5% 0.7% 0.5% 0.3%

Revenue and income statement

In 2025, SAINT HERBLAIN AUTOMOBILES achieves revenue of 56.0 M€. Activity remains stable over the period (CAGR: -4.9%). Vs 2024, growth of +25% (44.6 M€ -> 56.0 M€). After deducting consumption (54.1 M€), gross margin stands at 1.8 M€, i.e. a rate of 3%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -1.2 M€, representing -2.1% of revenue. Positive scissor effect: EBITDA margin improves by +2.5 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -1.6 M€ (-2.8% of revenue), which will impact equity.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

55 953 865 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

1 810 381 €

EBITDA (2025) ?
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

-1 187 165 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-1 291 152 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-1 592 162 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-2.1%

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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 73%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 52%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

72.812%

Financial autonomy (2025) ?
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

52.122%

Cash flow / Revenue (2025) ?
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

-2.659%

Repayment capacity (2025) ?
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

-6.12

Asset age ratio (2025) ?
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

15.5%

Solvency indicators evolution
SAINT HERBLAIN AUTOMOBILES

Sector positioning

Debt ratio
72.81 2025
2023
2024
2025
Q1: 4.82
Med: 28.34
Q3: 97.59
Average +10 pts over 3 years

In 2025, the debt ratio of SAINT HERBLAIN AUTOMOBILES (72.81) 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
52.12% 2025
2023
2024
2025
Q1: 21.4%
Med: 46.13%
Q3: 67.72%
Good -18 pts over 3 years

In 2025, the financial autonomy of SAINT HERBLAIN AUTOMOBILES (52.1%) 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.

Repayment capacity
-6.12 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 0.77 years
Q3: 4.23 years
Excellent

In 2025, the repayment capacity of SAINT HERBLAIN AUTOMOBILES (-6.12) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 951.13. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
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

951.132

Interest coverage (2025) ?
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

-32.412

Liquidity indicators evolution
SAINT HERBLAIN AUTOMOBILES

Sector positioning

Liquidity ratio
951.13 2025
2023
2024
2025
Q1: 178.81
Med: 298.19
Q3: 555.86
Excellent

In 2025, the liquidity ratio of SAINT HERBLAIN AUTOMOBILES (951.13) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
-32.41x 2025
2023
2024
2025
Q1: 0.0x
Med: 2.08x
Q3: 16.38x
Watch

In 2025, the interest coverage of SAINT HERBLAIN AUTOMOBILES (-32.4x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.

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: 40 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 8 days. The gap of 32 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Inventory turnover is 100 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 136 days of revenue, i.e. 21.1 M€ to permanently finance.

Operating WCR (2025) ?
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

21 096 286 €

Customer credit (2025) ?
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

40 j

Supplier credit (2025) ?
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

8 j

Inventory turnover (2025) ?
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

100 j

WCR in days of revenue (2025) ?
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

136 j

WCR and payment terms evolution
SAINT HERBLAIN AUTOMOBILES

Positioning of SAINT HERBLAIN AUTOMOBILES in its sector

Comparison with sector Commerce de voitures et de véhicules automobiles légers

Valuation estimate

Based on 113 transactions of similar company sales in 2025, the value of SAINT HERBLAIN AUTOMOBILES is estimated at 11 669 697 € (range 6 389 197€ - 17 321 080€). 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.

Estimated enterprise value 2025
113 transactions
6389k€ 11669k€ 17321k€
11 669 697 € Range: 6 389 197€ - 17 321 080€
NAF 5 année 2025

Valuation method used

Revenue Multiple
55 953 865 € × 0.21x = 11 669 697 €
Range: 6 389 198€ - 17 321 081€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 113 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 (Commerce de voitures et de véhicules automobiles légers)

Compare SAINT HERBLAIN AUTOMOBILES with other companies in the same sector:

Voir toutes les statistiques du secteur Commerce de voitures et de véhicules automobiles légers

Frequently asked questions about SAINT HERBLAIN AUTOMOBILES

What is the revenue of SAINT HERBLAIN AUTOMOBILES ?

The revenue of SAINT HERBLAIN AUTOMOBILES in 2025 is 56.0 M€.

Is SAINT HERBLAIN AUTOMOBILES profitable?

SAINT HERBLAIN AUTOMOBILES recorded a net loss in 2025.

Where is the headquarters of SAINT HERBLAIN AUTOMOBILES ?

The headquarters of SAINT HERBLAIN AUTOMOBILES is located in SAINT-HERBLAIN (44800), in the department Loire-Atlantique.

Where to find the tax return of SAINT HERBLAIN AUTOMOBILES ?

The tax return of SAINT HERBLAIN AUTOMOBILES 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 HERBLAIN AUTOMOBILES operate?

SAINT HERBLAIN AUTOMOBILES operates in the sector Commerce de voitures et de véhicules automobiles légers (NAF code 45.11Z). See the 'Sector positioning' section above to compare the company with its competitors.