SAVOIE PARTICIPATIONS ET FINANCE : revenue, balance sheet and financial ratios

SAVOIE PARTICIPATIONS ET FINANCE is a French company founded 21 years ago, specialized in the sector Activités des sociétés holding. Based in TASSIN-LA-DEMI-LUNE (69160), this company of category PME shows in 2023 a revenue of 151 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 - SAVOIE PARTICIPATIONS ET FINANCE (SIREN 480124429)
Indicator 2024 2023 2022 2021 2020 2019 2017 2016
Revenue N/C 150 508 € 225 507 € 225 507 € N/C N/C 225 508 € 225 508 €
Net income -71 869 € -41 950 € 6 720 € 25 966 € -45 172 € -53 132 € -2 337 € -912 €
EBITDA -25 744 € -31 473 € 5 089 € 22 526 € N/C N/C 47 079 € 33 087 €
Net margin N/C -27.9% 3.0% 11.5% N/C N/C -1.0% -0.4%

Revenue and income statement

In 2024, SAVOIE PARTICIPATIONS ET FINANCE records a net loss of 72 k€. This deficit will reduce equity on the balance sheet.

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

-25 744 €

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

-26 134 €

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

-71 869 €

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 957%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 7%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

957.25%

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

7.429%

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

-18.173

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

44.1%

Solvency indicators evolution
SAVOIE PARTICIPATIONS ET FINANCE

Sector positioning

Debt ratio
957.25 2024
2022
2023
2024
Q1: 0.01
Med: 8.77
Q3: 62.6
Average

In 2024, the debt ratio of SAVOIE PARTICIPATIONS ET ... (957.25) 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
7.43% 2024
2022
2023
2024
Q1: 15.71%
Med: 62.26%
Q3: 91.3%
Average

In 2024, the financial autonomy of SAVOIE PARTICIPATIONS ET ... (7.4%) 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
-18.17 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 SAVOIE PARTICIPATIONS ET ... (-18.17) 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 182.49. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

182.492

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

-115.328

Liquidity indicators evolution
SAVOIE PARTICIPATIONS ET FINANCE

Sector positioning

Liquidity ratio
182.49 2024
2022
2023
2024
Q1: 138.65
Med: 681.09
Q3: 3914.52
Average -6 pts over 3 years

In 2024, the liquidity ratio of SAVOIE PARTICIPATIONS ET ... (182.49) 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
-115.33x 2024
2022
2023
2024
Q1: -74.77x
Med: 0.0x
Q3: 0.0x
Average -25 pts over 3 years

In 2024, the interest coverage of SAVOIE PARTICIPATIONS ET ... (-115.3x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 99 days. Excellent situation: suppliers finance 99 days of the operating cycle (retail model).

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

0 €

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

0 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

99 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 and payment terms evolution
SAVOIE PARTICIPATIONS ET FINANCE

Positioning of SAVOIE PARTICIPATIONS ET FINANCE in its sector

Comparison with sector Activités des sociétés holding

Similar companies (Activités des sociétés holding)

Compare SAVOIE PARTICIPATIONS ET FINANCE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sociétés holding

Frequently asked questions about SAVOIE PARTICIPATIONS ET FINANCE

What is the revenue of SAVOIE PARTICIPATIONS ET FINANCE ?

The revenue of SAVOIE PARTICIPATIONS ET FINANCE in 2023 is 151 k€.

Is SAVOIE PARTICIPATIONS ET FINANCE profitable?

SAVOIE PARTICIPATIONS ET FINANCE recorded a net loss in 2024.

Where is the headquarters of SAVOIE PARTICIPATIONS ET FINANCE ?

The headquarters of SAVOIE PARTICIPATIONS ET FINANCE is located in TASSIN-LA-DEMI-LUNE (69160), in the department Rhone.

Where to find the tax return of SAVOIE PARTICIPATIONS ET FINANCE ?

The tax return of SAVOIE PARTICIPATIONS ET 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).

In which sector does SAVOIE PARTICIPATIONS ET FINANCE operate?

SAVOIE PARTICIPATIONS ET 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.