SEPTENTRI LOC : revenue, balance sheet and financial ratios

SEPTENTRI LOC is a French company founded 9 years ago, specialized in the sector Location de courte durée de voitures et de véhicules automobiles légers. Based in MARCQ-EN-BARŒUL (59700), this company of category PME shows in 2024 a revenue of 1.9 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 - SEPTENTRI LOC (SIREN 821589793)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 1 863 677 € 2 179 341 € 1 776 031 € 1 327 659 € 1 140 386 € 1 707 345 € 1 716 502 € 1 973 889 € 730 191 €
Net income 18 131 € 12 678 € 27 900 € 23 705 € 34 167 € 82 071 € 39 752 € 34 688 € 10 873 €
EBITDA 32 302 € 88 614 € 140 200 € 31 241 € 56 098 € 132 118 € 60 083 € 67 571 € 23 385 €
Net margin 1.0% 0.6% 1.6% 1.8% 3.0% 4.8% 2.3% 1.8% 1.5%

Revenue and income statement

In 2024, SEPTENTRI LOC achieves revenue of 1.9 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +12.4%. Significant drop of -14% vs 2023. After deducting consumption (0 €), gross margin stands at 1.9 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 32 k€, representing 1.7% of revenue. Warning negative scissor effect: despite revenue change (-14%), EBITDA varies by -64%, reducing margin by 2.3 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 18 k€, i.e. 1.0% of revenue. This profit can be retained or distributed to shareholders.

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

1 863 677 €

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

1 863 677 €

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

32 302 €

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

35 130 €

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

18 131 €

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

1.7%

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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 24%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. Financial autonomy (= Equity / Total assets x 100) reaches 35%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 4.6 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 0.8% 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

24.255%

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

35.488%

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

0.821%

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

4.612

Solvency indicators evolution
SEPTENTRI LOC

Sector positioning

Debt ratio
24.25 2024
2022
2023
2024
Q1: 0.0
Med: 14.52
Q3: 117.12
Average +27 pts over 3 years

In 2024, the debt ratio of SEPTENTRI LOC (24.25) 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
35.49% 2024
2022
2023
2024
Q1: 0.18%
Med: 21.3%
Q3: 49.35%
Good

In 2024, the financial autonomy of SEPTENTRI LOC (35.5%) 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
4.61 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.01 years
Q3: 2.25 years
Average +50 pts over 3 years

In 2024, the repayment capacity of SEPTENTRI LOC (4.61) 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 238.08. 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

238.079

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

0.0

Liquidity indicators evolution
SEPTENTRI LOC

Sector positioning

Liquidity ratio
238.08 2024
2022
2023
2024
Q1: 74.6
Med: 176.18
Q3: 351.42
Good

In 2024, the liquidity ratio of SEPTENTRI LOC (238.08) 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
0.0x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 6.61x
Average -31 pts over 3 years

In 2024, the interest coverage of SEPTENTRI LOC (0.0x) 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. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 32 days. Excellent situation: suppliers finance 32 days of the operating cycle (retail model). Overall, WCR represents 95 days of revenue, i.e. 491 k€ to permanently finance. Over 2016-2024, WCR increased by +2584%, 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

491 247 €

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

32 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

95 j

WCR and payment terms evolution
SEPTENTRI LOC

Positioning of SEPTENTRI LOC in its sector

Comparison with sector Location de courte durée de voitures et de véhicules automobiles légers

Valuation estimate

Based on 276 transactions of similar company sales (all years), the value of SEPTENTRI LOC is estimated at 1 542 232 € (range 344 972€ - 2 090 370€). With an EBITDA of 32 302€, the sector multiple of 11.9x is applied. The price/revenue ratio is 2.33x (premium valuation). 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
276 transactions
344k€ 1542k€ 2090k€
1 542 232 € Range: 344 972€ - 2 090 370€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
32 302 € × 11.9x
Estimation 385 958 €
78 486€ - 525 156€
Revenue Multiple 30%
1 863 677 € × 2.33x
Estimation 4 349 136 €
1 015 408€ - 5 655 310€
Net Income Multiple 20%
18 131 € × 12.3x
Estimation 222 565 €
5 537€ - 655 996€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 276 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 courte durée de voitures et de véhicules automobiles légers)

Compare SEPTENTRI LOC with other companies in the same sector:

Voir toutes les statistiques du secteur Location de courte durée de voitures et de véhicules automobiles légers

Frequently asked questions about SEPTENTRI LOC

What is the revenue of SEPTENTRI LOC ?

The revenue of SEPTENTRI LOC in 2024 is 1.9 M€.

Is SEPTENTRI LOC profitable?

Yes, SEPTENTRI LOC generated a net profit of 18 k€ in 2024.

Where is the headquarters of SEPTENTRI LOC ?

The headquarters of SEPTENTRI LOC is located in MARCQ-EN-BARŒUL (59700), in the department Nord.

Where to find the tax return of SEPTENTRI LOC ?

The tax return of SEPTENTRI LOC 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 SEPTENTRI LOC operate?

SEPTENTRI LOC operates in the sector Location de courte durée de voitures et de véhicules automobiles légers (NAF code 77.11A). See the 'Sector positioning' section above to compare the company with its competitors.