Employees: 03 (2023.0)Legal category: SCA (commandite par actions)Size: PMECreation date: 1990-09-20 (35 years)Status: ActiveBusiness sector: Construction de maisons individuellesLocation: SAINT-SOUPPLETS (77165), Seine-et-Marne
SCVB : revenue, balance sheet and financial ratios
SCVB is a French company
founded 35 years ago,
specialized in the sector Construction de maisons individuelles.
Based in SAINT-SOUPPLETS (77165),
this company of category PME
shows in 2025 a revenue of 7.5 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
In 2025, SCVB achieves revenue of 7.5 M€. Revenue is growing positively over 10 years (CAGR: +1.2%). After deducting consumption (1.2 M€), gross margin stands at 6.4 M€, i.e. a rate of 85%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 749 k€, representing 10.0% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 612 k€, i.e. 8.1% of revenue. This profit can be retained or distributed to shareholders.
Revenue (2025)
?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production
7 524 103 €
Gross margin (2025)
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Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed
6 364 535 €
EBITDA (2025)
?
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
748 929 €
EBIT (2025)
?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals
737 010 €
Net income (2025)
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Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
611 885 €
EBITDA margin (2025)
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EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability 5-10% : Average < 5% : Low
10.0%
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 19%. 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 48%. 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 1.7 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 7.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
Debt ratio (2025)
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Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
18.639%
Financial autonomy (2025)
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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
47.51%
Cash flow / Revenue (2025)
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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
7.89%
Repayment capacity (2025)
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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
1.72
Asset age ratio (2025)
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Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Debt ratio
7.729
15.805
23.903
29.105
131.965
68.554
21.508
20.535
4.037
18.639
Financial autonomy
49.654
51.685
39.001
36.036
22.948
33.825
43.168
41.692
44.017
47.51
Repayment capacity
1.738
2.915
8.19
4.344
7.764
5.211
3.525
6.386
None
1.72
Cash flow / Revenue
3.715%
4.92%
3.014%
4.522%
6.57%
6.641%
4.193%
2.324%
None%
7.89%
Sector positioning
Debt ratio
18.642025
2023
2024
2025
Q1: 0.63
Med: 12.8
Q3: 36.22
Average
In 2025, the debt ratio of SCVB (18.64) 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
47.51%2025
2023
2024
2025
Q1: 16.81%
Med: 36.32%
Q3: 57.35%
Good-8 pts over 3 years
In 2025, the financial autonomy of SCVB (47.5%) 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
1.72 years2025
2023
2025
Q1: 0.0 years
Med: 0.08 years
Q3: 0.9 years
Average
In 2025, the repayment capacity of SCVB (1.72) 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.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 246.66. 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 3.8x. Financial charges are adequately covered by operations.
Liquidity ratio (2025)
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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
246.664
Interest coverage (2025)
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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
3.823
Liquidity indicators evolution SCVB
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Liquidity ratio
281.64
287.068
208.585
198.257
228.975
255.075
229.235
215.261
195.722
246.664
Interest coverage
12.883
8.252
18.025
7.19
6.439
7.762
7.868
22.719
None
3.823
Sector positioning
Liquidity ratio
246.662025
2023
2024
2025
Q1: 139.05
Med: 206.27
Q3: 306.63
Good
In 2025, the liquidity ratio of SCVB (246.66) 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.
Interest coverage
3.82x2025
2023
2025
Q1: 0.0x
Med: 0.0x
Q3: 2.42x
Excellent
In 2025, the interest coverage of SCVB (3.8x) 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: 6 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 25 days. Favorable situation: supplier credit is longer than customer credit by 19 days. Inventory turnover is 129 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. WCR is negative (-28 days): operations structurally generate cash. Notable WCR improvement over the period (-114%), freeing up cash.
Operating WCR (2025)
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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
-594 856 €
Customer credit (2025)
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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
6 j
Supplier credit (2025)
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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
25 j
Inventory turnover (2025)
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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
129 j
WCR in days of revenue (2025)
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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
-28 j
WCR and payment terms evolution SCVB
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Operating WCR
4 405 316 €
836 373 €
993 547 €
271 080 €
-627 174 €
-424 729 €
-1 003 081 €
-309 053 €
0 €
-594 856 €
Inventory turnover (days)
75
73
377
245
162
113
141
155
0
129
Customer payment term (days)
0
4
4
6
4
13
6
66
0
6
Supplier payment term (days)
0
33
35
41
40
36
0
32
0
25
Positioning of SCVB in its sector
Comparison with sector Construction de maisons individuelles
Valuation estimate
Based on 113 transactions of similar company sales
(all years),
the value of SCVB is estimated at
1 918 286 €
(range 790 659€ - 3 842 805€).
With an EBITDA of 748 929€, the sector multiple of 3.6x is applied.
The price/revenue ratio is 0.11x
(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.
Estimated enterprise value2025
113 transactions
790k€1918k€3842k€
1 918 286 €Range: 790 659€ - 3 842 805€
NAF 5 all-time
Valuation detail by method
Ajustez les pondérations selon votre analyse
EBITDA Multiple50%
748 929 €×3.6x
Estimation2 732 270 €
1 029 650€ - 3 778 740€
Revenue Multiple30%
7 524 103 €×0.11x
Estimation827 924 €
576 175€ - 3 246 142€
Net Income Multiple20%
611 885 €×2.5x
Estimation1 518 873 €
514 907€ - 4 897 962€
How is this estimate calculated?
This estimate is based on the analysis of 113 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 (Construction de maisons individuelles)
Compare SCVB with other companies in the same sector:
Yes, SCVB generated a net profit of 612 k€ in 2025.
Where is the headquarters of SCVB ?
The headquarters of SCVB is located in SAINT-SOUPPLETS (77165), in the department Seine-et-Marne.
Where to find the tax return of SCVB ?
The tax return of SCVB 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 SCVB operate?
SCVB operates in the sector Construction de maisons individuelles (NAF code 41.20A). See the 'Sector positioning' section above to compare the company with its competitors.
Item evolution
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