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SAINT MAUR LOFT - SML : revenue, balance sheet and financial ratios

SAINT MAUR LOFT - SML is a French company founded 8 years ago, specialized in the sector Promotion immobilière de logements. Based in LYON (69006), this company of category ETI shows in 2023 a net income negative of -743 k€. 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 MAUR LOFT - SML (SIREN 832932024)
Indicator 2023 2022 2021 2020 2019 2018
Revenue N/C N/C N/C N/C N/C N/C
Net income -742 646 € -303 375 € 0 € 0 € 0 € 0 €
EBITDA 178 754 € 567 198 € -5 918 € -1 242 € 2 € 1 €
Net margin N/C N/C N/C N/C N/C N/C

Revenue and income statement

In 2023, SAINT MAUR LOFT - SML records a net loss of 743 k€. This deficit will reduce equity on the balance sheet.

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

1 104 539 €

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

178 754 €

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

-739 825 €

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

-742 646 €

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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 -97%. 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 -17%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

-97.05%

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

-16.943%

Solvency indicators evolution
SAINT MAUR LOFT - SML

Sector positioning

Debt ratio
-97.05 2023
2021
2022
2023
Q1: 0.0
Med: 5.81
Q3: 124.18
Excellent -50 pts over 3 years

In 2023, the debt ratio of SAINT MAUR LOFT - SML (-97.05) 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
-16.94% 2023
2021
2022
2023
Q1: 0.0%
Med: 14.0%
Q3: 54.07%
Average

In 2023, the financial autonomy of SAINT MAUR LOFT - SML (-16.9%) 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
-1032.13 years 2022
2021
2022
Q1: -1.96 years
Med: 0.0 years
Q3: 2.58 years
Excellent

In 2022, the repayment capacity of SAINT MAUR LOFT - SML (-1032.13) 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 625.20. 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 1.6x. Coverage is limited: any activity downturn would jeopardize interest payments.

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

625.201

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

1.578

Liquidity indicators evolution
SAINT MAUR LOFT - SML

Sector positioning

Liquidity ratio
625.2 2023
2021
2022
2023
Q1: 141.01
Med: 351.89
Q3: 1123.94
Good -16 pts over 3 years

In 2023, the liquidity ratio of SAINT MAUR LOFT - SML (625.20) 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
1.58x 2023
2021
2022
2023
Q1: -7.83x
Med: 0.0x
Q3: 3.21x
Good

In 2023, the interest coverage of SAINT MAUR LOFT - SML (1.6x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.

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: 289 days. Excellent situation: suppliers finance 289 days of the operating cycle (retail model).

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

0 €

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

0 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

289 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 and payment terms evolution
SAINT MAUR LOFT - SML

Positioning of SAINT MAUR LOFT - SML in its sector

Comparison with sector Promotion immobilière de logements

Valuation estimate

Based on 80 transactions of similar company sales (all years), the value of SAINT MAUR LOFT - SML is estimated at 179 355 € (range 74 064€ - 545 500€). With an EBITDA of 178 754€, the sector multiple of 1.0x is applied. 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 2023
80 tx
74k€ 179k€ 545k€
179 355 € Range: 74 064€ - 545 500€
NAF 5 all-time

Valuation method used

EBITDA Multiple
178 754 € × 1.0x = 179 356 €
Range: 74 065€ - 545 501€

Only this financial indicator is available for this company.

How is this estimate calculated?

This estimate is based on the analysis of 80 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 (Promotion immobilière de logements)

Compare SAINT MAUR LOFT - SML with other companies in the same sector:

Voir toutes les statistiques du secteur Promotion immobilière de logements

Frequently asked questions about SAINT MAUR LOFT - SML

What is the revenue of SAINT MAUR LOFT - SML ?

The revenue of SAINT MAUR LOFT - SML is not publicly disclosed (confidential accounts filed with INPI).

Is SAINT MAUR LOFT - SML profitable?

SAINT MAUR LOFT - SML recorded a net loss in 2023.

Where is the headquarters of SAINT MAUR LOFT - SML ?

The headquarters of SAINT MAUR LOFT - SML is located in LYON (69006), in the department Rhone.

Where to find the tax return of SAINT MAUR LOFT - SML ?

The tax return of SAINT MAUR LOFT - SML 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 MAUR LOFT - SML operate?

SAINT MAUR LOFT - SML operates in the sector Promotion immobilière de logements (NAF code 41.10A). See the 'Sector positioning' section above to compare the company with its competitors.