SIREN : 400935920
SAS FINANCE is a French company founded 31 years ago, specialized in the sector Activités des sociétés holding. Based in CHAMPS-SUR-MARNE (77420), this company of category GE shows in 2023 a revenue of 2.0 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
| Indicator | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1 978 507 € | 1 976 602 € | 2 077 808 € | 2 088 133 € | 1 799 569 € | 1 988 337 € | 2 370 023 € | 2 302 341 € |
| Net income | 904 713 € | 610 517 € | 427 033 € | 789 331 € | 301 303 € | 528 222 € | 285 913 € | 313 271 € |
| EBITDA | 1 133 313 € | 1 395 568 € | 1 369 190 € | 1 448 347 € | 1 148 087 € | 1 209 330 € | 1 306 210 € | 1 402 715 € |
| Net margin | 45.7% | 30.9% | 20.6% | 37.8% | 16.7% | 26.6% | 12.1% | 13.6% |
In 2023, SAS FINANCE achieves revenue of 2.0 M€. Activity remains stable over the period (CAGR: -2.1%). Vs 2022: +0%. After deducting consumption (0 €), gross margin stands at 2.0 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 1.1 M€, representing 57.3% of revenue. Warning negative scissor effect: despite revenue change (+0%), EBITDA varies by -19%, reducing margin by 13.3 pts. This reflects costs rising faster than 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 905 k€, i.e. 45.7% of revenue. This profit can be retained or distributed to shareholders.
1 978 507 €
1 978 507 €
1 133 313 €
703 090 €
904 713 €
57.3%
The debt ratio (= Financial debt / Equity x 100) stands at 97%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 50%. 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 11.8 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 18.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
96.531%
49.676%
18.793%
11.784
43.8%
In 2023, the debt ratio of SAS FINANCE (96.53) 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 2023, the financial autonomy of SAS FINANCE (49.7%) 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 2023, the repayment capacity of SAS FINANCE (11.78) 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 393.54. 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 13.3x. Operating income very largely covers interest expenses: high safety margin.
393.536
13.318
In 2023, the liquidity ratio of SAS FINANCE (393.54) 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 2023, the interest coverage of SAS FINANCE (13.3x) 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: 30 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 0 days. The company must finance 30 days of gap between collections and payments. Overall, WCR represents 118 days of revenue, i.e. 647 k€ to permanently finance.
646 537 €
30 j
0 j
0 j
118 j
Based on 63 transactions of similar company sales
in 2023,
the value of SAS FINANCE is estimated at
4 419 704 €
(range 1 360 731€ - 7 334 212€).
With an EBITDA of 1 133 313€, the sector multiple of 4.6x is applied.
The price/revenue ratio is 0.24x
(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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 63 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 SAS FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of SAS FINANCE in 2023 is 2.0 M€.
Yes, SAS FINANCE generated a net profit of 905 k€ in 2023.
The headquarters of SAS FINANCE is located in CHAMPS-SUR-MARNE (77420), in the department Seine-et-Marne.
The tax return of SAS FINANCE 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).
SAS FINANCE 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.