SIREN : 534463724
SAPHORES FINANCES is a French company founded 14 years ago, specialized in the sector Activités des sociétés holding. Based in RIBERAC (24600), this company of category GE shows in 2024 a revenue of 867 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 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 866 879 € | N/C | 1 518 081 € | 640 159 € | 1 468 638 € | 1 130 151 € | 1 112 984 € | 866 976 € |
| Net income | 262 193 € | 433 542 € | 1 896 410 € | 1 569 101 € | 696 348 € | 104 723 € | 1 025 577 € | 1 104 009 € |
| EBITDA | -212 540 € | N/C | 718 094 € | 92 250 € | 625 130 € | 61 497 € | 206 415 € | 351 881 € |
| Net margin | 30.2% | N/C | 124.9% | 245.1% | 47.4% | 9.3% | 92.1% | 127.3% |
In 2024, SAPHORES FINANCES achieves revenue of 867 k€. Activity remains stable over the period (CAGR: -0.0%). After deducting consumption (-271 €), gross margin stands at 867 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 -213 k€, representing -24.5% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 262 k€, i.e. 30.2% of revenue. This profit can be retained or distributed to shareholders.
866 879 €
867 150 €
-212 540 €
-106 182 €
262 193 €
-24.5%
The debt ratio (= Financial debt / Equity x 100) stands at 18%. 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 79%. 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 5.2 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 18.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
18.147%
79.144%
18.384%
5.168
66.7%
In 2024, the debt ratio of SAPHORES FINANCES (18.15) 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 SAPHORES FINANCES (79.1%) 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.
In 2024, the repayment capacity of SAPHORES FINANCES (5.17) 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 716.66. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
716.66
-17.958
In 2024, the liquidity ratio of SAPHORES FINANCES (716.66) 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.
In 2024, the interest coverage of SAPHORES FINANCES (-18.0x) 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: 132 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 94 days. The gap of 38 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Inventory turnover is 1 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 375 days of revenue, i.e. 904 k€ to permanently finance. Over 2016-2024, WCR increased by +141%, requiring additional financing.
903 687 €
132 j
94 j
1 j
375 j
Based on 54 transactions of similar company sales
in 2024,
the value of SAPHORES FINANCES is estimated at
459 353 €
(range 288 172€ - 1 147 328€).
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 SAPHORES FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of SAPHORES FINANCES in 2024 is 867 k€.
Yes, SAPHORES FINANCES generated a net profit of 262 k€ in 2024.
The headquarters of SAPHORES FINANCES is located in RIBERAC (24600), in the department Dordogne.
The tax return of SAPHORES 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).
SAPHORES 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.