SIREN : 503432452
SAJ CONSEILS is a French company founded 18 years ago, specialized in the sector Gestion de fonds. Based in BORDEAUX (33000), this company of category PME shows in 2025 a revenue of 141 k€. 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
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 140 768 € | 111 944 € | 141 935 € | 410 200 € | 410 200 € | 370 200 € | 370 200 € | 370 200 € | 370 200 € | 260 400 € |
| Net income | -255 742 € | -9 118 € | 15 996 084 € | 391 803 € | 415 639 € | 192 633 € | 476 025 € | 348 065 € | 285 519 € | -17 869 € |
| EBITDA | -45 921 € | -95 934 € | -1 943 831 € | -12 701 € | 18 855 € | -13 249 € | -18 033 € | -1 512 € | -22 203 € | -27 824 € |
| Net margin | -181.7% | -8.1% | 11270.0% | 95.5% | 101.3% | 52.0% | 128.6% | 94.0% | 77.1% | -6.9% |
In 2025, SAJ CONSEILS achieves revenue of 141 k€. Revenue is declining over the period 2016-2025 (CAGR: -6.6%). Vs 2024, growth of +26% (112 k€ -> 141 k€). After deducting consumption (0 €), gross margin stands at 141 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -46 k€, representing -32.6% of revenue. Positive scissor effect: EBITDA margin improves by +53.1 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -256 k€ (-181.7% of revenue), which will impact equity.
140 768 €
140 768 €
-45 921 €
-118 535 €
-255 742 €
-32.6%
The debt ratio (= Financial debt / Equity x 100) stands at 11%. 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 90%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 5.7 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 169.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
10.532%
89.631%
169.431%
5.689
91.6%
In 2025, the debt ratio of SAJ CONSEILS (10.53) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2025, the financial autonomy of SAJ CONSEILS (89.6%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2025, the repayment capacity of SAJ CONSEILS (5.69) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 51133.92. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
51133.915
-930.195
In 2025, the liquidity ratio of SAJ CONSEILS (51133.92) 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.
In 2025, the interest coverage of SAJ CONSEILS (-930.2x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 8 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 26 days. Favorable situation: supplier credit is longer than customer credit by 18 days. Overall, WCR represents 5474 days of revenue, i.e. 2.1 M€ to permanently finance. Over 2016-2025, WCR increased by +958%, requiring additional financing.
2 140 314 €
8 j
26 j
0 j
5474 j
Indicative estimate only : the number of comparable transactions in this sector is limited (40 transactions). This range of 18 728€ to 254 726€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 40 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare SAJ CONSEILS with other companies in the same sector:
The revenue of SAJ CONSEILS in 2025 is 141 k€.
SAJ CONSEILS recorded a net loss in 2025.
The headquarters of SAJ CONSEILS is located in BORDEAUX (33000), in the department Gironde.
The tax return of SAJ CONSEILS 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).
SAJ CONSEILS operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.