SAINT MICHEL SA : revenue, balance sheet and financial ratios

SAINT MICHEL SA is a French company founded 45 years ago, specialized in the sector Location de courte durée de voitures et de véhicules automobiles légers. Based in ARCACHON (33120), this company of category PME shows in 2023 a revenue of 11.5 M€. 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 MICHEL SA (SIREN 595680158)
Indicator 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 11 464 063 € 11 842 918 € 8 995 732 € 7 394 070 € 9 966 307 € 9 037 737 € 8 190 894 € 8 515 005 €
Net income 115 088 € 576 605 € 175 410 € -748 949 € 102 148 € 104 460 € 140 319 € 134 438 €
EBITDA -494 991 € 327 124 € -818 097 € -1 710 934 € -1 117 033 € -1 116 680 € -1 007 879 € -1 012 984 €
Net margin 1.0% 4.9% 1.9% -10.1% 1.0% 1.2% 1.7% 1.6%

Revenue and income statement

In 2023, SAINT MICHEL SA achieves revenue of 11.5 M€. Revenue is growing positively over 8 years (CAGR: +4.3%). Slight decline of -3% vs 2022. After deducting consumption (39 k€), gross margin stands at 11.4 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -495 k€, representing -4.3% of revenue. Warning negative scissor effect: despite revenue change (-3%), EBITDA varies by -251%, reducing margin by 7.1 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 115 k€, i.e. 1.0% 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

11 464 063 €

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

11 425 261 €

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

-494 991 €

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

85 357 €

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

115 088 €

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

-4.3%

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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 139%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 25%. The balance between equity and debt is satisfactory.

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

139.0%

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

24.503%

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

-6.365%

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

-3.445

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

51.7%

Solvency indicators evolution
SAINT MICHEL SA

Sector positioning

Debt ratio
139.0 2023
2021
2022
2023
Q1: 0.0
Med: 20.7
Q3: 129.09
Average

In 2023, the debt ratio of SAINT MICHEL SA (139.00) 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
24.5% 2023
2021
2022
2023
Q1: 0.62%
Med: 23.45%
Q3: 50.42%
Good +13 pts over 3 years

In 2023, the financial autonomy of SAINT MICHEL SA (24.5%) 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
-3.44 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.12 years
Q3: 2.31 years
Excellent

In 2023, the repayment capacity of SAINT MICHEL SA (-3.44) 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 135.30. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

135.301

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

-12.929

Liquidity indicators evolution
SAINT MICHEL SA

Sector positioning

Liquidity ratio
135.3 2023
2021
2022
2023
Q1: 83.74
Med: 171.62
Q3: 332.83
Average

In 2023, the liquidity ratio of SAINT MICHEL SA (135.30) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
-12.93x 2023
2021
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 3.83x
Average

In 2023, the interest coverage of SAINT MICHEL SA (-12.9x) 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: 52 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 54 days. Favorable situation: supplier credit is longer than customer credit by 2 days. Inventory turnover is 6 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 66 days of revenue, i.e. 2.1 M€ to permanently finance. Over 2016-2023, WCR increased by +40%, 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

2 089 325 €

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

52 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

54 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

6 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

66 j

WCR and payment terms evolution
SAINT MICHEL SA

Positioning of SAINT MICHEL SA in its sector

Comparison with sector Location de courte durée de voitures et de véhicules automobiles légers

Valuation estimate

Based on 276 transactions of similar company sales (all years), the value of SAINT MICHEL SA is estimated at 16 616 840 € (range 3 761 715€ - 22 538 147€). The price/revenue ratio is 2.33x (premium 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 2023
276 transactions
3761k€ 16616k€ 22538k€
16 616 840 € Range: 3 761 715€ - 22 538 147€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
11 464 063 € × 2.33x
Estimation 26 752 903 €
6 246 092€ - 34 787 588€
Net Income Multiple 20%
115 088 € × 12.3x
Estimation 1 412 747 €
35 150€ - 4 163 988€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 276 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 courte durée de voitures et de véhicules automobiles légers)

Compare SAINT MICHEL SA with other companies in the same sector:

Voir toutes les statistiques du secteur Location de courte durée de voitures et de véhicules automobiles légers

Frequently asked questions about SAINT MICHEL SA

What is the revenue of SAINT MICHEL SA ?

The revenue of SAINT MICHEL SA in 2023 is 11.5 M€.

Is SAINT MICHEL SA profitable?

Yes, SAINT MICHEL SA generated a net profit of 115 k€ in 2023.

Where is the headquarters of SAINT MICHEL SA ?

The headquarters of SAINT MICHEL SA is located in ARCACHON (33120), in the department Gironde.

Where to find the tax return of SAINT MICHEL SA ?

The tax return of SAINT MICHEL SA 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 MICHEL SA operate?

SAINT MICHEL SA operates in the sector Location de courte durée de voitures et de véhicules automobiles légers (NAF code 77.11A). See the 'Sector positioning' section above to compare the company with its competitors.