SIREN : 891666190
SAPEMO FINANCES is a French company founded 5 years ago, specialized in the sector Activités des sociétés holding. Based in ERBRAY (44110), this company of category PME shows in 2024 a revenue of 449 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
| Indicator | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Revenue | 449 256 € | 398 847 € | 387 546 € | 237 253 € |
| Net income | 877 968 € | 818 210 € | 415 964 € | -25 700 € |
| EBITDA | 39 683 € | 16 089 € | 26 584 € | 13 267 € |
| Net margin | 195.4% | 205.1% | 107.3% | -10.8% |
In 2024, SAPEMO FINANCES achieves revenue of 449 k€. Over the period 2021-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +23.7%. Vs 2023, growth of +13% (399 k€ -> 449 k€). After deducting consumption (16 k€), gross margin stands at 433 k€, i.e. a rate of 96%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 40 k€, representing 8.8% of revenue. Positive scissor effect: EBITDA margin improves by +4.8 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 878 k€, i.e. 195.4% of revenue. This profit can be retained or distributed to shareholders.
449 256 €
433 295 €
39 683 €
39 698 €
877 968 €
8.8%
The debt ratio (= Financial debt / Equity x 100) stands at 22%. 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 repayment capacity (= Financial debt / Cash flow) indicates it would take 1.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 195.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
21.825%
17.48%
195.427%
1.141
In 2024, the debt ratio of SAPEMO FINANCES (21.82) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of SAPEMO FINANCES (17.5%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of SAPEMO FINANCES (1.14) 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 202.48. 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 189.3x. Operating income very largely covers interest expenses: high safety margin.
202.48
189.257
In 2024, the liquidity ratio of SAPEMO FINANCES (202.48) 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.
In 2024, the interest coverage of SAPEMO FINANCES (189.3x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 38 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 129 days. Excellent situation: suppliers finance 91 days of the operating cycle (retail model). Inventory turnover is 1 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. WCR is negative (-61 days): operations structurally generate cash.
-75 974 €
38 j
129 j
1 j
-61 j
Based on 54 transactions of similar company sales
in 2024,
the value of SAPEMO FINANCES is estimated at
431 663 €
(range 229 111€ - 1 571 100€).
With an EBITDA of 39 683€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.59x
(in line with sector norms).
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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 54 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 SAPEMO FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of SAPEMO FINANCES in 2024 is 449 k€.
Yes, SAPEMO FINANCES generated a net profit of 878 k€ in 2024.
The headquarters of SAPEMO FINANCES is located in ERBRAY (44110), in the department Loire-Atlantique.
The tax return of SAPEMO FINANCES 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).
SAPEMO FINANCES operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.