SAINT JUST AUTOMOBILES : revenue, balance sheet and financial ratios

SAINT JUST AUTOMOBILES is a French company founded 12 years ago, specialized in the sector Commerce de voitures et de véhicules automobiles légers. Based in SAINT-JUST (34400), this company of category PME shows in 2020 a revenue of 796 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - SAINT JUST AUTOMOBILES (SIREN 798835690)
Indicator 2020 2019 2017 2016
Revenue 796 407 € 669 542 € 681 326 € N/C
Net income 25 410 € -2 650 € 6 € 9 671 €
EBITDA 21 815 € 650 € 3 575 € N/C
Net margin 3.2% -0.4% 0.0% N/C

Revenue and income statement

In 2020, SAINT JUST AUTOMOBILES achieves revenue of 796 k€. Over the period 2017-2020, the company shows strong growth with a CAGR (compound annual growth rate) of +5.3%. Vs 2019, growth of +19% (670 k€ -> 796 k€). After deducting consumption (592 k€), gross margin stands at 204 k€, i.e. a rate of 26%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 22 k€, representing 2.7% of revenue. Positive scissor effect: EBITDA margin improves by +2.6 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 25 k€, i.e. 3.2% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2020) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

796 407 €

Gross margin (2020) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

203 986 €

EBITDA (2020) ?
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

21 815 €

EBIT (2020) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

30 952 €

Net income (2020) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

25 410 €

EBITDA margin (2020) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

2.7%

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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 264%. 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 19%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 10.8 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 2.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2020) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

264.479%

Financial autonomy (2020) ?
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

18.739%

Cash flow / Revenue (2020) ?
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

2.002%

Repayment capacity (2020) ?
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

10.754

Asset age ratio (2020) ?
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

19.2%

Solvency indicators evolution
SAINT JUST AUTOMOBILES

Sector positioning

Debt ratio
264.48 2020
2017
2019
2020
Q1: 8.93
Med: 66.63
Q3: 191.38
Average +46 pts over 3 years

In 2020, the debt ratio of SAINT JUST AUTOMOBILES (264.48) 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
18.74% 2020
2017
2019
2020
Q1: 13.1%
Med: 28.88%
Q3: 52.82%
Average

In 2020, the financial autonomy of SAINT JUST AUTOMOBILES (18.7%) 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
10.75 years 2020
2017
2019
2020
Q1: -0.02 years
Med: 0.52 years
Q3: 5.33 years
Average +12 pts over 3 years

In 2020, the repayment capacity of SAINT JUST AUTOMOBILES (10.75) 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 306.41. 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 0.1x. Danger: operating income does not cover interest charges, unsustainable situation.

Liquidity ratio (2020) ?
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

306.408

Interest coverage (2020) ?
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

0.06

Liquidity indicators evolution
SAINT JUST AUTOMOBILES

Sector positioning

Liquidity ratio
306.41 2020
2017
2019
2020
Q1: 139.3
Med: 207.34
Q3: 371.51
Good +41 pts over 3 years

In 2020, the liquidity ratio of SAINT JUST AUTOMOBILES (306.41) 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
0.06x 2020
2017
2019
2020
Q1: 0.0x
Med: 0.35x
Q3: 7.29x
Average -46 pts over 3 years

In 2020, the interest coverage of SAINT JUST AUTOMOBILES (0.1x) 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: 9 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 22 days. Favorable situation: supplier credit is longer than customer credit by 13 days. 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 82 days of revenue, i.e. 182 k€ to permanently finance.

Operating WCR (2020) ?
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

182 497 €

Customer credit (2020) ?
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

9 j

Supplier credit (2020) ?
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

22 j

Inventory turnover (2020) ?
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 (2020) ?
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

82 j

WCR and payment terms evolution
SAINT JUST AUTOMOBILES

Positioning of SAINT JUST AUTOMOBILES in its sector

Comparison with sector Commerce de voitures et de véhicules automobiles légers

Valuation estimate

Based on 122 transactions of similar company sales in 2020, the value of SAINT JUST AUTOMOBILES is estimated at 59 657 € (range 25 074€ - 186 904€). With an EBITDA of 21 815€, the sector multiple of 2.0x is applied. The price/revenue ratio is 0.09x (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 2020
122 transactions
25k€ 59k€ 186k€
59 657 € Range: 25 074€ - 186 904€
NAF 5 année 2020

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
21 815 € × 2.0x
Estimation 44 326 €
7 110€ - 133 733€
Revenue Multiple 30%
796 407 € × 0.09x
Estimation 68 604 €
57 813€ - 242 441€
Net Income Multiple 20%
25 410 € × 3.3x
Estimation 84 565 €
20 879€ - 236 528€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 122 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 JUST 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 JUST AUTOMOBILES

What is the revenue of SAINT JUST AUTOMOBILES ?

The revenue of SAINT JUST AUTOMOBILES in 2020 is 796 k€.

Is SAINT JUST AUTOMOBILES profitable?

Yes, SAINT JUST AUTOMOBILES generated a net profit of 25 k€ in 2020.

Where is the headquarters of SAINT JUST AUTOMOBILES ?

The headquarters of SAINT JUST AUTOMOBILES is located in SAINT-JUST (34400), in the department Herault.

Where to find the tax return of SAINT JUST AUTOMOBILES ?

The tax return of SAINT JUST 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 JUST AUTOMOBILES operate?

SAINT JUST 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.