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SAPIENS CAPITAL SAS : revenue, balance sheet and financial ratios

SAPIENS CAPITAL SAS is a French company founded 10 years ago, specialized in the sector Agences immobilières. Based in CHATOU (78400), this company of category PME shows in 2017 a revenue of 51 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

Financial history - SAPIENS CAPITAL SAS (SIREN 819314618)
Indicator 2017
Revenue 51 460 €
Net income 35 406 €
EBITDA 41 755 €
Net margin 68.8%

Revenue and income statement

In 2017, SAPIENS CAPITAL SAS achieves revenue of 51 k€. After deducting consumption (0 €), gross margin stands at 51 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 42 k€, representing 81.1% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 35 k€, i.e. 68.8% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2017) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

51 460 €

Gross margin (2017) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

51 460 €

EBITDA (2017) ?
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

41 755 €

EBIT (2017) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

41 753 €

Net income (2017) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

35 406 €

EBITDA margin (2017) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

81.1%

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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 15%. 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 9%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 68.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2017) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

14.607%

Financial autonomy (2017) ?
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

9.06%

Cash flow / Revenue (2017) ?
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

68.803%

Repayment capacity (2017) ?
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

0.0

Asset age ratio (2017) ?
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

100.0%

Solvency indicators evolution
SAPIENS CAPITAL SAS

Sector positioning

Debt ratio
14.61 2017
2017
Q1: 0.0
Med: 9.57
Q3: 63.73
Average

In 2017, the debt ratio of SAPIENS CAPITAL SAS (14.61) 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
9.06% 2017
2017
Q1: 6.08%
Med: 30.31%
Q3: 58.98%
Average

In 2017, the financial autonomy of SAPIENS CAPITAL SAS (9.1%) 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
0.0 years 2017
2017
Q1: 0.0 years
Med: 0.02 years
Q3: 1.24 years
Excellent

In 2017, the repayment capacity of SAPIENS CAPITAL SAS (0.00) 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 255.40. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2017) ?
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

255.401

Interest coverage (2017) ?
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

0.0

Liquidity indicators evolution
SAPIENS CAPITAL SAS

Sector positioning

Liquidity ratio
255.4 2017
2017
Q1: 105.1
Med: 167.3
Q3: 350.16
Good

In 2017, the liquidity ratio of SAPIENS CAPITAL SAS (255.40) 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
0.0x 2017
2017
Q1: 0.0x
Med: 0.0x
Q3: 1.56x
Average

In 2017, the interest coverage of SAPIENS CAPITAL SAS (0.0x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 32 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 102 days. Excellent situation: suppliers finance 70 days of the operating cycle (retail model). WCR is negative (-125 days): operations structurally generate cash.

Operating WCR (2017) ?
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

-17 926 €

Customer credit (2017) ?
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

32 j

Supplier credit (2017) ?
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

102 j

Inventory turnover (2017) ?
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 in days of revenue (2017) ?
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

-125 j

WCR and payment terms evolution
SAPIENS CAPITAL SAS

Positioning of SAPIENS CAPITAL SAS in its sector

Comparison with sector Agences immobilières

Valuation estimate

Based on 81 transactions of similar company sales in 2017, the value of SAPIENS CAPITAL SAS is estimated at 71 978 € (range 20 581€ - 194 817€). With an EBITDA of 41 755€, the sector multiple of 2.3x is applied. The price/revenue ratio is 0.44x (conservative 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.
Medium reliability: estimate to be confirmed with in-depth analysis.

Estimated enterprise value 2017
81 tx
20k€ 71k€ 194k€
71 978 € Range: 20 581€ - 194 817€
NAF 5 année 2017

Valuation detail by method

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EBITDA Multiple 50%
41 755 € × 2.3x
Estimation 97 638 €
23 443€ - 218 907€
Revenue Multiple 30%
51 460 € × 0.44x
Estimation 22 558 €
8 858€ - 37 283€
Net Income Multiple 20%
35 406 € × 2.3x
Estimation 81 963 €
31 011€ - 370 896€
How is this estimate calculated?

This estimate is based on the analysis of 81 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 (Agences immobilières)

Compare SAPIENS CAPITAL SAS with other companies in the same sector:

Voir toutes les statistiques du secteur Agences immobilières

Frequently asked questions about SAPIENS CAPITAL SAS

What is the revenue of SAPIENS CAPITAL SAS ?

The revenue of SAPIENS CAPITAL SAS in 2017 is 51 k€.

Is SAPIENS CAPITAL SAS profitable?

Yes, SAPIENS CAPITAL SAS generated a net profit of 35 k€ in 2017.

Where is the headquarters of SAPIENS CAPITAL SAS ?

The headquarters of SAPIENS CAPITAL SAS is located in CHATOU (78400), in the department Yvelines.

Where to find the tax return of SAPIENS CAPITAL SAS ?

The tax return of SAPIENS CAPITAL SAS 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 SAPIENS CAPITAL SAS operate?

SAPIENS CAPITAL SAS operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.