SAVEURS ET TRADITIONS CONSEIL : revenue, balance sheet and financial ratios

SAVEURS ET TRADITIONS CONSEIL is a French company founded 15 years ago, specialized in the sector Activités des sociétés holding. Based in SAINT-ANDRE-LE-PUY (42210), this company of category PME shows in 2024 a revenue of 320 k€. 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

Financial history - SAVEURS ET TRADITIONS CONSEIL (SIREN 529295776)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 319 831 € 274 734 € 411 005 € 398 955 € 452 352 € 517 777 € 481 010 € 456 639 € 524 959 €
Net income 756 503 € -790 976 € 158 328 € 110 815 € -23 456 € 68 242 € 185 003 € 167 197 € 208 155 €
EBITDA 32 382 € 1 888 € 118 034 € 78 444 € -23 294 € 26 151 € 11 090 € -3 287 € -194 €
Net margin 236.5% -287.9% 38.5% 27.8% -5.2% 13.2% 38.5% 36.6% 39.7%

Revenue and income statement

In 2024, SAVEURS ET TRADITIONS CONSEIL achieves revenue of 320 k€. Revenue is declining over the period 2016-2024 (CAGR: -6.0%). Vs 2023, growth of +16% (275 k€ -> 320 k€). After deducting consumption (0 €), gross margin stands at 320 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 32 k€, representing 10.1% of revenue. Positive scissor effect: EBITDA margin improves by +9.4 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 757 k€, i.e. 236.5% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

319 831 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

319 831 €

EBITDA (2024) ?
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

32 382 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

30 942 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

756 503 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

10.1%

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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 40%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 68%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

40.198%

Financial autonomy (2024) ?
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

67.782%

Cash flow / Revenue (2024) ?
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

-2.436%

Repayment capacity (2024) ?
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

-122.322

Asset age ratio (2024) ?
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

32.0%

Solvency indicators evolution
SAVEURS ET TRADITIONS CONSEIL

Sector positioning

Debt ratio
40.2 2024
2022
2023
2024
Q1: 0.01
Med: 8.77
Q3: 62.6
Average +5 pts over 3 years

In 2024, the debt ratio of SAVEURS ET TRADITIONS CON... (40.20) 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
67.78% 2024
2022
2023
2024
Q1: 15.71%
Med: 62.26%
Q3: 91.3%
Good

In 2024, the financial autonomy of SAVEURS ET TRADITIONS CON... (67.8%) 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.

Repayment capacity
-122.32 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.09 years
Q3: 3.07 years
Excellent -50 pts over 3 years

In 2024, the repayment capacity of SAVEURS ET TRADITIONS CON... (-122.32) 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 99.81. 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 116.9x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2024) ?
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

99.808

Interest coverage (2024) ?
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

116.938

Liquidity indicators evolution
SAVEURS ET TRADITIONS CONSEIL

Sector positioning

Liquidity ratio
99.81 2024
2022
2023
2024
Q1: 138.65
Med: 681.09
Q3: 3914.52
Average -25 pts over 3 years

In 2024, the liquidity ratio of SAVEURS ET TRADITIONS CON... (99.81) 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.

Interest coverage
116.94x 2024
2022
2023
2024
Q1: -74.77x
Med: 0.0x
Q3: 0.0x
Excellent

In 2024, the interest coverage of SAVEURS ET TRADITIONS CON... (116.9x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 81 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 22 days. The gap of 59 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 2 days of revenue, i.e. 2 k€ to permanently finance. Notable WCR improvement over the period (-60%), freeing up cash.

Operating WCR (2024) ?
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

2 159 €

Customer credit (2024) ?
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

81 j

Supplier credit (2024) ?
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

22 j

Inventory turnover (2024) ?
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 (2024) ?
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

2 j

WCR and payment terms evolution
SAVEURS ET TRADITIONS CONSEIL

Positioning of SAVEURS ET TRADITIONS CONSEIL in its sector

Comparison with sector Activités des sociétés holding

Valuation estimate

Based on 54 transactions of similar company sales in 2024, the value of SAVEURS ET TRADITIONS CONSEIL is estimated at 355 682 € (range 189 281€ - 1 332 070€). With an EBITDA of 32 382€, 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.

Estimated enterprise value 2024
54 tx
189k€ 355k€ 1332k€
355 682 € Range: 189 281€ - 1 332 070€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
32 382 € × 4.8x
Estimation 156 595 €
26 508€ - 269 858€
Revenue Multiple 30%
319 831 € × 0.59x
Estimation 188 307 €
117 151€ - 223 862€
Net Income Multiple 20%
756 503 € × 1.5x
Estimation 1 104 466 €
704 409€ - 5 649 914€

Valuation evolution

How is this estimate calculated?

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.

  • 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 (Activités des sociétés holding)

Compare SAVEURS ET TRADITIONS CONSEIL with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sociétés holding

Frequently asked questions about SAVEURS ET TRADITIONS CONSEIL

What is the revenue of SAVEURS ET TRADITIONS CONSEIL ?

The revenue of SAVEURS ET TRADITIONS CONSEIL in 2024 is 320 k€.

Is SAVEURS ET TRADITIONS CONSEIL profitable?

Yes, SAVEURS ET TRADITIONS CONSEIL generated a net profit of 757 k€ in 2024.

Where is the headquarters of SAVEURS ET TRADITIONS CONSEIL ?

The headquarters of SAVEURS ET TRADITIONS CONSEIL is located in SAINT-ANDRE-LE-PUY (42210), in the department Loire.

Where to find the tax return of SAVEURS ET TRADITIONS CONSEIL ?

The tax return of SAVEURS ET TRADITIONS CONSEIL 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 SAVEURS ET TRADITIONS CONSEIL operate?

SAVEURS ET TRADITIONS CONSEIL 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.