SEM REGIONALE DES PAYS DE LA LOIRE : revenue, balance sheet and financial ratios

SEM REGIONALE DES PAYS DE LA LOIRE is a French company founded 20 years ago, specialized in the sector Ingénierie, études techniques. Based in NANTES (44200), this company of category PME shows in 2024 a revenue of 1.0 M€. 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 - SEM REGIONALE DES PAYS DE LA LOIRE (SIREN 488324518)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 1 006 122 € 890 113 € 1 072 623 € 1 189 071 € 901 553 € 878 567 € 864 885 € 805 721 € 871 129 €
Net income -1 482 004 € -785 911 € -17 350 € -141 550 € -616 231 € -96 413 € -94 578 € 148 295 € -1 261 422 €
EBITDA 82 499 € 46 437 € 79 686 € 150 281 € -21 519 € 171 393 € 186 777 € 167 248 € 301 391 €
Net margin -147.3% -88.3% -1.6% -11.9% -68.4% -11.0% -10.9% 18.4% -144.8%

Revenue and income statement

In 2024, SEM REGIONALE DES PAYS DE LA LOIRE achieves revenue of 1.0 M€. Revenue is growing positively over 9 years (CAGR: +1.8%). Vs 2023, growth of +13% (890 k€ -> 1.0 M€). After deducting consumption (0 €), gross margin stands at 1.0 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 82 k€, representing 8.2% of revenue. Positive scissor effect: EBITDA margin improves by +3.0 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Net income is negative at -1.5 M€ (-147.3% of revenue), which will impact equity.

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

1 006 122 €

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

1 006 122 €

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

82 499 €

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

-50 158 €

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

-1 482 004 €

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

8.2%

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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 46%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 67%. 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 638.4 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 0.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

45.619%

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

66.659%

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

0.863%

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

638.407

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

59.0%

Solvency indicators evolution
SEM REGIONALE DES PAYS DE LA LOIRE

Sector positioning

Debt ratio
45.62 2024
2022
2023
2024
Q1: 0.0
Med: 8.25
Q3: 42.9
Average

In 2024, the debt ratio of SEM REGIONALE DES PAYS DE... (45.62) 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
66.66% 2024
2022
2023
2024
Q1: 11.27%
Med: 37.87%
Q3: 61.33%
Excellent

In 2024, the financial autonomy of SEM REGIONALE DES PAYS DE... (66.7%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
638.41 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.9 years
Average +50 pts over 3 years

In 2024, the repayment capacity of SEM REGIONALE DES PAYS DE... (638.41) 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 1460.38. 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 1818.9x. 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

1460.383

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

1818.908

Liquidity indicators evolution
SEM REGIONALE DES PAYS DE LA LOIRE

Sector positioning

Liquidity ratio
1460.38 2024
2022
2023
2024
Q1: 148.97
Med: 229.92
Q3: 405.25
Excellent

In 2024, the liquidity ratio of SEM REGIONALE DES PAYS DE... (1460.38) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
1818.91x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.05x
Excellent

In 2024, the interest coverage of SEM REGIONALE DES PAYS DE... (1818.9x) 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: 85 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 181 days. Excellent situation: suppliers finance 96 days of the operating cycle (retail model). Overall, WCR represents 276 days of revenue, i.e. 771 k€ to permanently finance. Over 2016-2024, WCR increased by +531%, requiring additional financing.

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

771 072 €

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

85 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

181 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

276 j

WCR and payment terms evolution
SEM REGIONALE DES PAYS DE LA LOIRE

Positioning of SEM REGIONALE DES PAYS DE LA LOIRE in its sector

Comparison with sector Ingénierie, études techniques

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (40 transactions). This range of 69 233€ to 315 164€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2024
Indicative
69k€ 124k€ 315k€
124 196 € Range: 69 233€ - 315 164€
NAF 5 année 2024

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 40 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 (Ingénierie, études techniques)

Compare SEM REGIONALE DES PAYS DE LA LOIRE with other companies in the same sector:

Voir toutes les statistiques du secteur Ingénierie, études techniques

Frequently asked questions about SEM REGIONALE DES PAYS DE LA LOIRE

What is the revenue of SEM REGIONALE DES PAYS DE LA LOIRE ?

The revenue of SEM REGIONALE DES PAYS DE LA LOIRE in 2024 is 1.0 M€.

Is SEM REGIONALE DES PAYS DE LA LOIRE profitable?

SEM REGIONALE DES PAYS DE LA LOIRE recorded a net loss in 2024.

Where is the headquarters of SEM REGIONALE DES PAYS DE LA LOIRE ?

The headquarters of SEM REGIONALE DES PAYS DE LA LOIRE is located in NANTES (44200), in the department Loire-Atlantique.

Where to find the tax return of SEM REGIONALE DES PAYS DE LA LOIRE ?

The tax return of SEM REGIONALE DES PAYS DE LA LOIRE 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 SEM REGIONALE DES PAYS DE LA LOIRE operate?

SEM REGIONALE DES PAYS DE LA LOIRE operates in the sector Ingénierie, études techniques (NAF code 71.12B). See the 'Sector positioning' section above to compare the company with its competitors.