S.E.M.L. DE SAVIGNY LE TEMPLE : revenue, balance sheet and financial ratios

S.E.M.L. DE SAVIGNY LE TEMPLE is a French company founded 38 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in SAVIGNY-LE-TEMPLE (77176), this company of category PME shows in 2024 a revenue of 1.5 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

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

Financial history - S.E.M.L. DE SAVIGNY LE TEMPLE (SIREN 342391794)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 1 537 154 € 1 501 255 € 1 452 184 € 1 442 777 € 1 860 303 € 1 382 605 € 1 277 394 € 1 225 268 € 1 160 553 €
Net income -135 533 € -159 203 € -389 088 € -243 806 € -105 481 € -21 685 € -57 896 € -106 847 € 232 374 €
EBITDA 649 220 € 715 837 € 721 680 € 726 864 € 630 177 € 662 830 € 513 730 € 535 472 € 458 619 €
Net margin -8.8% -10.6% -26.8% -16.9% -5.7% -1.6% -4.5% -8.7% 20.0%

Revenue and income statement

In 2024, S.E.M.L. DE SAVIGNY LE TEMPLE achieves revenue of 1.5 M€. Revenue is growing positively over 9 years (CAGR: +3.6%). Vs 2023: +2%. After deducting consumption (2 k€), gross margin stands at 1.5 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 649 k€, representing 42.2% of revenue. Warning negative scissor effect: despite revenue change (+2%), EBITDA varies by -9%, reducing margin by 5.4 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Net income is negative at -136 k€ (-8.8% 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

1 537 154 €

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

1 534 831 €

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

649 220 €

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

226 254 €

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

-135 533 €

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

42.2%

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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 123%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 39%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 11.1 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 29.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

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

122.755%

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

38.929%

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

29.634%

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

11.052

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

59.3%

Solvency indicators evolution
S.E.M.L. DE SAVIGNY LE TEMPLE

Sector positioning

Debt ratio
122.75 2024
2022
2023
2024
Q1: -21.15
Med: 5.9
Q3: 146.94
Average

In 2024, the debt ratio of S.E.M.L. DE SAVIGNY LE TE... (122.75) 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
38.93% 2024
2022
2023
2024
Q1: 0.03%
Med: 27.42%
Q3: 73.8%
Good +6 pts over 3 years

In 2024, the financial autonomy of S.E.M.L. DE SAVIGNY LE TE... (38.9%) 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
11.05 years 2024
2022
2023
2024
Q1: -0.02 years
Med: 0.66 years
Q3: 10.59 years
Average

In 2024, the repayment capacity of S.E.M.L. DE SAVIGNY LE TE... (11.05) 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 496.15. 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 61.1x. 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

496.148

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

61.105

Liquidity indicators evolution
S.E.M.L. DE SAVIGNY LE TEMPLE

Sector positioning

Liquidity ratio
496.15 2024
2022
2023
2024
Q1: 83.19
Med: 307.52
Q3: 1319.53
Good -20 pts over 3 years

In 2024, the liquidity ratio of S.E.M.L. DE SAVIGNY LE TE... (496.15) 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
61.1x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 20.03x
Excellent

In 2024, the interest coverage of S.E.M.L. DE SAVIGNY LE TE... (61.1x) 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: 22 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 65 days. Excellent situation: suppliers finance 43 days of the operating cycle (retail model). Overall, WCR represents 25 days of revenue, i.e. 108 k€ to permanently finance.

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

108 369 €

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

22 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

65 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

25 j

WCR and payment terms evolution
S.E.M.L. DE SAVIGNY LE TEMPLE

Positioning of S.E.M.L. DE SAVIGNY LE TEMPLE in its sector

Comparison with sector Location de terrains et d'autres biens immobiliers

Valuation estimate

Based on 169 transactions of similar company sales in 2024, the value of S.E.M.L. DE SAVIGNY LE TEMPLE is estimated at 2 737 166 € (range 779 144€ - 4 922 646€). With an EBITDA of 649 220€, the sector multiple of 5.6x is applied. The price/revenue ratio is 0.81x (in line with sector norms). 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 2024
169 transactions
779k€ 2737k€ 4922k€
2 737 166 € Range: 779 144€ - 4 922 646€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
649 220 € × 5.6x
Estimation 3 635 520 €
962 346€ - 6 488 956€
Revenue Multiple 30%
1 537 154 € × 0.81x
Estimation 1 239 911 €
473 809€ - 2 312 131€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 169 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 (Location de terrains et d'autres biens immobiliers)

Compare S.E.M.L. DE SAVIGNY LE TEMPLE with other companies in the same sector:

Voir toutes les statistiques du secteur Location de terrains et d'autres biens immobiliers

Frequently asked questions about S.E.M.L. DE SAVIGNY LE TEMPLE

What is the revenue of S.E.M.L. DE SAVIGNY LE TEMPLE ?

The revenue of S.E.M.L. DE SAVIGNY LE TEMPLE in 2024 is 1.5 M€.

Is S.E.M.L. DE SAVIGNY LE TEMPLE profitable?

S.E.M.L. DE SAVIGNY LE TEMPLE recorded a net loss in 2024.

Where is the headquarters of S.E.M.L. DE SAVIGNY LE TEMPLE ?

The headquarters of S.E.M.L. DE SAVIGNY LE TEMPLE is located in SAVIGNY-LE-TEMPLE (77176), in the department Seine-et-Marne.

Where to find the tax return of S.E.M.L. DE SAVIGNY LE TEMPLE ?

The tax return of S.E.M.L. DE SAVIGNY LE TEMPLE 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 S.E.M.L. DE SAVIGNY LE TEMPLE operate?

S.E.M.L. DE SAVIGNY LE TEMPLE operates in the sector Location de terrains et d'autres biens immobiliers (NAF code 68.20B). See the 'Sector positioning' section above to compare the company with its competitors.