SDL GESTION PRIVEE : revenue, balance sheet and financial ratios

SDL GESTION PRIVEE is a French company founded 16 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CHAMPIGNY-SUR-MARNE (94500), this company of category PME shows in 2021 a revenue of 388 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-11

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - SDL GESTION PRIVEE (SIREN 513575936)
Indicator 2021 2020 2019 2018 2017
Revenue 387 867 € 327 248 € 302 946 € 409 331 € 456 462 €
Net income -7 € -193 € 8 110 € 70 659 € 64 064 €
EBITDA 11 125 € 8 018 € 18 669 € 87 626 € 77 465 €
Net margin -0.0% -0.1% 2.7% 17.3% 14.0%

Revenue and income statement

En 2021, SDL GESTION PRIVEE alcanza unos ingresos de 388 k€. La actividad permanece estable durante el período (TCAC: -4.0%). Vs 2020, crecimiento de +19% (327 k€ -> 388 k€). Tras deducir el consumo (0 €), el margen bruto se sitúa en 388 k€, es decir, una tasa del 100%. El EBITDA alcanza 11 k€, representando el 2.9% de los ingresos. El margen operativo sigue siendo frágil, requiriendo vigilancia de costes. El resultado neto es negativo en -7 € (-0.0% de los ingresos).

Revenue (2021) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

387 867 €

Gross margin (2021) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

387 867 €

EBITDA (2021) ?
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

11 125 €

EBIT (2021) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

27 €

Net income (2021) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-7 €

EBITDA margin (2021) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

2.9%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

El ratio de endeudamiento (= Deuda financiera / Fondos propios x 100) se sitúa en 79%. El nivel de deuda es alto: el margen de negociación con los bancos se reduce. La autonomía financiera (= Fondos propios / Total activo x 100) alcanza el 43%. Esta alta autonomía significa que la empresa financia la mayoría de sus activos con fondos propios. La capacidad de reembolso indica que se necesitarían 256.4 años de flujo de caja. Más allá de 7 años, los bancos generalmente consideran el riesgo crediticio como alto. El flujo de caja representa el 0.1% de los ingresos.

Debt ratio (2021) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

78.914%

Financial autonomy (2021) ?
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

43.133%

Cash flow / Revenue (2021) ?
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

0.145%

Repayment capacity (2021) ?
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

256.353

Asset age ratio (2021) ?
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

9.8%

Solvency indicators evolution
SDL GESTION PRIVEE

Sector positioning

Ratio de endeudamiento
78.91 2021
2019
2020
2021
Q1: 0.06
Med: 13.41
Q3: 70.61
Average

En 2021, el ratio de endeudamiento de SDL GESTION PRIVEE (78.91) se sitúa por encima de la mediana del sector. Este ratio mide el peso de la deuda en relación con el patrimonio. Un esfuerzo de reducción podría mejorar la solidez financiera.

Autonomía financiera
43.13% 2021
2019
2020
2021
Q1: 17.04%
Med: 46.52%
Q3: 72.42%
Average +7 pts over 3 years

En 2021, el autonomía financiera de SDL GESTION PRIVEE (43.1%) se sitúa por debajo de la mediana del sector. Este ratio representa la parte del patrimonio en la financiación total. Una mejora fortalecería la posición competitiva.

Capacidad de reembolso
256.35 ans 2021
2019
2020
2021
Q1: 0.0 ans
Med: 0.16 ans
Q3: 2.52 ans
Vigilar

En 2021, el capacidad de reembolso de SDL GESTION PRIVEE (256.4 ans) se sitúa en el top 25% del sector. Este ratio indica el número de años necesarios para pagar la deuda con flujo de caja. Una duración larga puede señalar deuda pesada relativa a la capacidad de pago.

Liquidity ratios

El ratio de liquidez se sitúa en 135.77. La empresa tiene 2€ de activos líquidos por cada 1€ de deuda a corto plazo.

Liquidity ratio (2021) ?
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

135.768

Interest coverage (2021) ?
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
SDL GESTION PRIVEE

Sector positioning

Ratio de liquidez
135.77 2021
2019
2020
2021
Q1: 120.97
Med: 222.61
Q3: 474.51
Average -12 pts over 3 years

En 2021, el ratio de liquidez de SDL GESTION PRIVEE (135.77) se sitúa por debajo de la mediana del sector. Este ratio mide la capacidad de cubrir deuda a corto plazo con activos corrientes. Una mejora fortalecería la posición competitiva.

Cobertura de intereses
0.0x 2021
2019
2020
2021
Q1: 0.0x
Med: 0.0x
Q3: 1.54x
Average -50 pts over 3 years

En 2021, el cobertura de intereses de SDL GESTION PRIVEE (0.0x) se sitúa por debajo de la mediana del sector. Este ratio indica cuántas veces el resultado operativo cubre los gastos de intereses. Una mejora fortalecería la posición competitiva.

Working capital requirement (WCR) and payment terms

El fondo de maniobra operativo (FM) mide el desfase temporal de tesorería. Plazo medio de cobro a clientes: 0 días. Plazo proveedores: 130 días. Excelente situación: los proveedores financian 130 días del ciclo operativo. El FM representa 8 días de ingresos. Notable mejora del FM durante el período (-91%), liberando tesorería.

Operating WCR (2021) ?
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

8 436 €

Customer credit (2021) ?
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 (2021) ?
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

130 j

Inventory turnover (2021) ?
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 (2021) ?
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

8 j

WCR and payment terms evolution
SDL GESTION PRIVEE

Positioning of SDL GESTION PRIVEE in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (44 transactions). This range of 63 335€ to 283 280€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2021
Indicative
63k€ 243k€ 283k€
243 924 € Range: 63 335€ - 283 280€
NAF 5 année 2021

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 44 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 agents et courtiers d'assurances)

Compare SDL GESTION PRIVEE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about SDL GESTION PRIVEE

What is the revenue of SDL GESTION PRIVEE ?

The revenue of SDL GESTION PRIVEE in 2021 is 388 k€.

Is SDL GESTION PRIVEE profitable?

SDL GESTION PRIVEE recorded a net loss in 2021.

Where is the headquarters of SDL GESTION PRIVEE ?

The headquarters of SDL GESTION PRIVEE is located in CHAMPIGNY-SUR-MARNE (94500), in the department Val-de-Marne.

Where to find the tax return of SDL GESTION PRIVEE ?

The tax return of SDL GESTION PRIVEE 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 SDL GESTION PRIVEE operate?

SDL GESTION PRIVEE operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.