SAINT JOSEPH, THOMAS & CIE : revenue, balance sheet and financial ratios

SAINT JOSEPH, THOMAS & CIE is a French company founded 126 years ago, specialized in the sector Commerce de détail d'autres équipements du foyer. Based in ORLEANS (45000), this company of category PME shows in 2019 a revenue of 1.6 M€. 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

Financial history - SAINT JOSEPH, THOMAS & CIE (SIREN 781619762)
Indicator 2019 2017 2016
Revenue 1 614 016 € 1 296 713 € 1 456 786 €
Net income -491 356 € 44 542 € 1 160 €
EBITDA -443 604 € -91 106 € -3 921 €
Net margin -30.4% 3.4% 0.1%

Revenue and income statement

In 2019, SAINT JOSEPH, THOMAS & CIE achieves revenue of 1.6 M€. Revenue is growing positively over 3 years (CAGR: +3.5%). Vs 2017, growth of +24% (1.3 M€ -> 1.6 M€). After deducting consumption (1.1 M€), gross margin stands at 478 k€, i.e. a rate of 30%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -444 k€, representing -27.5% of revenue. Warning negative scissor effect: despite revenue change (+24%), EBITDA varies by -387%, reducing margin by 20.5 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -491 k€ (-30.4% of revenue), which will impact equity.

Revenue (2019) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

1 614 016 €

Gross margin (2019) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

478 178 €

EBITDA (2019) ?
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

-443 604 €

EBIT (2019) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-451 427 €

Net income (2019) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-491 356 €

EBITDA margin (2019) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-27.2%

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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 -625%. 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 -3%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2019) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

-625.39%

Financial autonomy (2019) ?
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

-3.313%

Cash flow / Revenue (2019) ?
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

-30.1%

Repayment capacity (2019) ?
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

-0.278

Asset age ratio (2019) ?
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

18.0%

Solvency indicators evolution
SAINT JOSEPH, THOMAS & CIE

Sector positioning

Debt ratio
-625.39 2019
2016
2017
2019
Q1: 0.14
Med: 23.66
Q3: 108.96
Excellent -32 pts over 3 years

In 2019, the debt ratio of SAINT JOSEPH, THOMAS & CIE (-625.39) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
-3.31% 2019
2016
2017
2019
Q1: 8.33%
Med: 33.18%
Q3: 59.31%
Average -24 pts over 3 years

In 2019, the financial autonomy of SAINT JOSEPH, THOMAS & CIE (-3.3%) 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
-0.28 years 2019
2016
2017
2019
Q1: 0.0 years
Med: 0.17 years
Q3: 2.87 years
Excellent

In 2019, the repayment capacity of SAINT JOSEPH, THOMAS & CIE (-0.28) 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 81.94. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2019) ?
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

81.936

Interest coverage (2019) ?
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

-6.613

Liquidity indicators evolution
SAINT JOSEPH, THOMAS & CIE

Sector positioning

Liquidity ratio
81.94 2019
2016
2017
2019
Q1: 119.35
Med: 187.19
Q3: 320.65
Watch -15 pts over 3 years

In 2019, the liquidity ratio of SAINT JOSEPH, THOMAS & CIE (81.94) 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
-6.61x 2019
2016
2017
2019
Q1: 0.0x
Med: 0.0x
Q3: 3.24x
Average +22 pts over 3 years

In 2019, the interest coverage of SAINT JOSEPH, THOMAS & CIE (-6.6x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 34 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 156 days. Excellent situation: suppliers finance 122 days of the operating cycle (retail model). Inventory turnover is 99 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 95 days of revenue, i.e. 427 k€ to permanently finance. Notable WCR improvement over the period (-55%), freeing up cash.

Operating WCR (2019) ?
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

426 730 €

Customer credit (2019) ?
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

34 j

Supplier credit (2019) ?
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

156 j

Inventory turnover (2019) ?
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

99 j

WCR in days of revenue (2019) ?
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

95 j

WCR and payment terms evolution
SAINT JOSEPH, THOMAS & CIE

Positioning of SAINT JOSEPH, THOMAS & CIE in its sector

Comparison with sector Commerce de détail d'autres équipements du foyer

Valuation estimate

Based on 93 transactions of similar company sales in 2019, the value of SAINT JOSEPH, THOMAS & CIE is estimated at 325 746 € (range 171 635€ - 537 880€). The price/revenue ratio is 0.20x (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.

Estimated enterprise value 2019
93 tx
171k€ 325k€ 537k€
325 746 € Range: 171 635€ - 537 880€
NAF 5 année 2019

Valuation method used

Revenue Multiple
1 614 016 € × 0.20x = 325 746 €
Range: 171 636€ - 537 881€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 93 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 détail d'autres équipements du foyer)

Compare SAINT JOSEPH, THOMAS & CIE with other companies in the same sector:

Voir toutes les statistiques du secteur Commerce de détail d'autres équipements du foyer

Frequently asked questions about SAINT JOSEPH, THOMAS & CIE

What is the revenue of SAINT JOSEPH, THOMAS & CIE ?

The revenue of SAINT JOSEPH, THOMAS & CIE in 2019 is 1.6 M€.

Is SAINT JOSEPH, THOMAS & CIE profitable?

SAINT JOSEPH, THOMAS & CIE recorded a net loss in 2019.

Where is the headquarters of SAINT JOSEPH, THOMAS & CIE ?

The headquarters of SAINT JOSEPH, THOMAS & CIE is located in ORLEANS (45000), in the department Loiret.

Where to find the tax return of SAINT JOSEPH, THOMAS & CIE ?

The tax return of SAINT JOSEPH, THOMAS & CIE 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 JOSEPH, THOMAS & CIE operate?

SAINT JOSEPH, THOMAS & CIE operates in the sector Commerce de détail d'autres équipements du foyer (NAF code 47.59B). See the 'Sector positioning' section above to compare the company with its competitors.