Le dernier exercice comptable publié pour cette entreprise remonte à 2023. Les données ci-dessous peuvent ne plus refléter sa situation actuelle.

SEL GEFFRAY : revenue, balance sheet and financial ratios

SEL GEFFRAY is a French company founded 32 years ago, specialized in the sector Commerce de détail de produits pharmaceutiques en magasin spécialisé. Based in POISSY (78300), this company of category PME shows in 2023 a revenue of 3.2 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-07-11

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

Synthèse

Santé financière : Saine

Aucun signal de fragilité majeur : rentabilité positive et structure financière équilibrée.

In summary, SEL GEFFRAY combines a growing business with positive profitability. Its financial structure is fragile, with debt above sector norms — a point to monitor.

Financial history - SEL GEFFRAY (SIREN 392544094)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Revenue N/C N/C 3 240 962 € N/C N/C N/C N/C 2 303 732 € 2 376 966 € 765 426 € 382 105 €
Net income 103 857 € 63 590 € 289 395 € 340 779 € 219 220 € 212 869 € 161 504 € 186 130 € 167 611 € 81 687 € 31 862 €
EBITDA N/C N/C 372 121 € N/C N/C N/C N/C 245 475 € 244 587 € 96 261 € 46 026 €
Net margin N/C N/C 8.9% N/C N/C N/C N/C 8.1% 7.1% 10.7% 8.3%

Revenue and income statement

In 2025, SEL GEFFRAY generates positive net income of 104 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2021-2025: 32 k€ -> 104 k€.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

3 240 962 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

1 012 430 €

EBITDA (2023) ?
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

372 121 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

386 021 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

289 395 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

11.5%

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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 282%. This ratio is less favorable than the sector median (35.2%) and warrants attention. Financial autonomy (= Equity / Total assets x 100) reaches 22%. This ratio is less favorable than the sector median (58.9%) and warrants attention. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 3.6 years of cash flow to repay all financial debt. This ratio is more favorable than the sector median (3.7 years). Cash flow represents 8.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Compared with its sector, this ratio places the company among the best positioned (sector median: 5.5%).

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

282.41%

Financial autonomy (2023) ?
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

22.44%

Cash flow / Revenue (2023) ?
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

8.34%

Repayment capacity (2023) ?
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

3.57

Asset age ratio (2023) ?
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

19.4%

Solvency indicators evolution
SEL GEFFRAY

Sector positioning

Debt ratio
443.71% 2025
Q1: 10.81%
Med: 35.19%
Q3: 99.39%
Watch

In 2025, the debt ratio of SEL GEFFRAY (443.7%) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
13.95% 2025
Q1: 41.22%
Med: 58.9%
Q3: 74.99%
Watch -8 pts over 3 years

In 2025, the financial autonomy of SEL GEFFRAY (13.9%) ranks in the bottom 25% of the sector. This ratio represents the share of equity in total financing. Low autonomy may limit investment capacity and increase vulnerability.

Repayment capacity
3.57 years 2023
Q1: 1.27 years
Med: 3.74 years
Q3: 7.38 years
Good

In 2023, the repayment capacity of SEL GEFFRAY (3.57) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 2.08. This ratio is slightly less favorable than the sector median (1.8). The interest coverage ratio (= EBIT / Interest expenses) is 5.0x. This ratio is more favorable than the sector median (3.2x).

Liquidity ratio (2023) ?
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

2.08

Interest coverage (2023) ?
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

5.01

Liquidity indicators evolution
SEL GEFFRAY

Sector positioning

Liquidity ratio
1.44 2025
Q1: 1.37
Med: 1.84
Q3: 2.63
Average -27 pts over 3 years

In 2025, the liquidity ratio of SEL GEFFRAY (1.44) 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
5.01x 2023
Q1: 0.93x
Med: 3.18x
Q3: 6.91x
Good

In 2023, the interest coverage of SEL GEFFRAY (5.0x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.

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: 151 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 517 days. Excellent situation: suppliers finance 366 days of the operating cycle (retail model). Overall, WCR represents 23 days of revenue, i.e. 0 € to permanently finance. Between 2016 and 2023, WCR improved by 35 days of revenue, freeing up cash.

Operating WCR (2025) ?
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 (2025) ?
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

151 j

Supplier credit (2025) ?
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

517 j

Inventory turnover (2025) ?
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 (2023) ?
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

23 j

WCR and payment terms evolution
SEL GEFFRAY

Positioning of SEL GEFFRAY in its sector

Comparison with sector Commerce de détail de produits pharmaceutiques en magasin spécialisé

Valuation estimate

Based on 277 transactions of similar company sales in 2025, the value of SEL GEFFRAY is estimated at 1 649 780 € (range 1 119 549€ - 2 588 733€). 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 value 2025
277 transactions
1119k€ 1649k€ 2588k€
1 649 780 € Range: 1 119 549€ - 2 588 733€
NAF 5 année 2025

Valuation method used

Net Income Multiple
103 857 € × 15.9x = 1 649 781 €
Range: 1 119 549€ - 2 588 733€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 277 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 (Commerce de détail de produits pharmaceutiques en magasin spécialisé)

Compare SEL GEFFRAY with other companies in the same sector:

Voir toutes les statistiques du secteur Commerce de détail de produits pharmaceutiques en magasin spécialisé

Top companies in Commerce de détail de produits pharmaceutiques en magasin spécialisé

Largest companies by revenue in the sector Commerce de détail de produits pharmaceutiques en magasin spécialisé:

Top companies in Yvelines

Largest companies by revenue in the department Yvelines:

Voir le classement complet du département Yvelines

Frequently asked questions about SEL GEFFRAY

What is the revenue of SEL GEFFRAY ?

The revenue of SEL GEFFRAY in 2023 is 3.2 M€.

Is SEL GEFFRAY profitable?

Yes, SEL GEFFRAY generated a net profit of 104 k€ in 2025.

Where is the headquarters of SEL GEFFRAY ?

The headquarters of SEL GEFFRAY is located in POISSY (78300), in the department Yvelines.

Where to find the tax return of SEL GEFFRAY ?

The tax return of SEL GEFFRAY 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 SEL GEFFRAY operate?

SEL GEFFRAY operates in the sector Commerce de détail de produits pharmaceutiques en magasin spécialisé (NAF code 47.73Z). See the 'Sector positioning' section above to compare the company with its competitors.