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SEP AUTOMOBILES : revenue, balance sheet and financial ratios

SEP AUTOMOBILES is a French company founded 8 years ago, specialized in the sector Commerce de voitures et de véhicules automobiles légers. Based in PUYGOUZON (81990), this company of category PME shows in 2022 a revenue of 1.7 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

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

Financial history - SEP AUTOMOBILES (SIREN 831456827)
Indicator 2024 2023 2022 2021 2020 2019 2018
Revenue N/C N/C 1 742 942 € N/C N/C N/C N/C
Net income -7 060 € 8 989 € -5 560 € -7 635 € -6 011 € 49 684 € 18 178 €
EBITDA N/C N/C -5 752 € N/C N/C N/C N/C
Net margin N/C N/C -0.3% N/C N/C N/C N/C

Revenue and income statement

In 2024, SEP AUTOMOBILES records a net loss of 7 k€. This deficit will reduce equity on the balance sheet.

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

-7 060 €

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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 251%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 27%. The balance between equity and debt is satisfactory.

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

250.75%

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

27.482%

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

32.6%

Solvency indicators evolution
SEP AUTOMOBILES

Sector positioning

Debt ratio
250.75 2024
2022
2023
2024
Q1: 4.07
Med: 38.27
Q3: 128.18
Average

In 2024, the debt ratio of SEP AUTOMOBILES (250.75) 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
27.48% 2024
2022
2023
2024
Q1: 10.8%
Med: 27.27%
Q3: 53.17%
Good +20 pts over 3 years

In 2024, the financial autonomy of SEP AUTOMOBILES (27.5%) 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
-22.23 years 2022
2022
Q1: 0.0 years
Med: 0.77 years
Q3: 4.48 years
Excellent

In 2022, the repayment capacity of SEP AUTOMOBILES (-22.23) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 284.20. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

284.2

Liquidity indicators evolution
SEP AUTOMOBILES

Sector positioning

Liquidity ratio
284.2 2024
2022
2023
2024
Q1: 133.15
Med: 200.63
Q3: 386.16
Good

In 2024, the liquidity ratio of SEP AUTOMOBILES (284.20) 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
-56.19x 2022
2022
Q1: 0.0x
Med: 1.22x
Q3: 7.72x
Average

In 2022, the interest coverage of SEP AUTOMOBILES (-56.2x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

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

0 €

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

0 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

0 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 and payment terms evolution
SEP AUTOMOBILES

Positioning of SEP AUTOMOBILES in its sector

Comparison with sector Commerce de voitures et de véhicules automobiles légers

Similar companies (Commerce de voitures et de véhicules automobiles légers)

Compare SEP AUTOMOBILES with other companies in the same sector:

Voir toutes les statistiques du secteur Commerce de voitures et de véhicules automobiles légers

Frequently asked questions about SEP AUTOMOBILES

What is the revenue of SEP AUTOMOBILES ?

The revenue of SEP AUTOMOBILES in 2022 is 1.7 M€.

Is SEP AUTOMOBILES profitable?

SEP AUTOMOBILES recorded a net loss in 2024.

Where is the headquarters of SEP AUTOMOBILES ?

The headquarters of SEP AUTOMOBILES is located in PUYGOUZON (81990), in the department Tarn.

Where to find the tax return of SEP AUTOMOBILES ?

The tax return of SEP AUTOMOBILES 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 SEP AUTOMOBILES operate?

SEP AUTOMOBILES operates in the sector Commerce de voitures et de véhicules automobiles légers (NAF code 45.11Z). See the 'Sector positioning' section above to compare the company with its competitors.