SEPTEO FINANCE & ACCOUNTING SOLUTIONS : revenue, balance sheet and financial ratios

SEPTEO FINANCE & ACCOUNTING SOLUTIONS is a French company founded 14 years ago, specialized in the sector Ingénierie, études techniques. Based in LATTES (34970), this company of category ETI shows in 2024 a revenue of 9.2 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

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

Financial history - SEPTEO FINANCE & ACCOUNTING SOLUTIONS (SIREN 533951687)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 9 243 473 € 7 265 573 € 4 653 119 € 4 034 635 € 2 198 979 € 1 745 554 € 1 481 081 € 1 071 899 € 794 974 €
Net income 2 706 863 € 1 699 849 € 691 584 € 494 954 € 399 061 € 446 342 € 227 076 € 185 525 € 117 522 €
EBITDA 3 235 448 € 2 226 350 € 1 049 924 € 867 365 € 475 455 € 480 402 € 226 061 € 266 444 € 171 290 €
Net margin 29.3% 23.4% 14.9% 12.3% 18.1% 25.6% 15.3% 17.3% 14.8%

Revenue and income statement

In 2024, SEPTEO FINANCE & ACCOUNTING SOLUTIONS achieves revenue of 9.2 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +35.9%. Vs 2023, growth of +27% (7.3 M€ -> 9.2 M€). After deducting consumption (101 k€), gross margin stands at 9.1 M€, i.e. a rate of 99%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 3.2 M€, representing 35.0% of revenue. Positive scissor effect: EBITDA margin improves by +4.4 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 2.7 M€, i.e. 29.3% 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

9 243 473 €

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

9 142 310 €

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

3 235 448 €

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

2 815 019 €

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

2 706 863 €

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

34.7%

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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 11%. 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 62%. 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 0.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 33.5% 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

10.546%

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

61.767%

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

33.55%

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

0.189

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

65.2%

Solvency indicators evolution
SEPTEO FINANCE & ACCOUNTING SOLUTIONS

Sector positioning

Debt ratio
10.55 2024
2022
2023
2024
Q1: 0.0
Med: 8.25
Q3: 42.9
Average -12 pts over 3 years

In 2024, the debt ratio of SEPTEO FINANCE & ACCOUNTI... (10.55) 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
61.77% 2024
2022
2023
2024
Q1: 11.27%
Med: 37.87%
Q3: 61.33%
Excellent +22 pts over 3 years

In 2024, the financial autonomy of SEPTEO FINANCE & ACCOUNTI... (61.8%) 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
0.19 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.9 years
Average

In 2024, the repayment capacity of SEPTEO FINANCE & ACCOUNTI... (0.19) 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 267.40. 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 0.3x. Danger: operating income does not cover interest charges, unsustainable situation.

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

267.397

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

0.323

Liquidity indicators evolution
SEPTEO FINANCE & ACCOUNTING SOLUTIONS

Sector positioning

Liquidity ratio
267.4 2024
2022
2023
2024
Q1: 148.97
Med: 229.92
Q3: 405.25
Good +30 pts over 3 years

In 2024, the liquidity ratio of SEPTEO FINANCE & ACCOUNTI... (267.40) 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
0.32x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.05x
Good -21 pts over 3 years

In 2024, the interest coverage of SEPTEO FINANCE & ACCOUNTI... (0.3x) 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: 63 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 90 days. Favorable situation: supplier credit is longer than customer credit by 27 days. Overall, WCR represents 198 days of revenue, i.e. 5.1 M€ to permanently finance. Over 2016-2024, WCR increased by +2667%, 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

5 072 726 €

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

63 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

90 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

198 j

WCR and payment terms evolution
SEPTEO FINANCE & ACCOUNTING SOLUTIONS

Positioning of SEPTEO FINANCE & ACCOUNTING SOLUTIONS 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 956 057€ to 8 739 550€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2024
Indicative
956k€ 2822k€ 8739k€
2 822 801 € Range: 956 057€ - 8 739 550€
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 SEPTEO FINANCE & ACCOUNTING SOLUTIONS with other companies in the same sector:

Voir toutes les statistiques du secteur Ingénierie, études techniques

Frequently asked questions about SEPTEO FINANCE & ACCOUNTING SOLUTIONS

What is the revenue of SEPTEO FINANCE & ACCOUNTING SOLUTIONS ?

The revenue of SEPTEO FINANCE & ACCOUNTING SOLUTIONS in 2024 is 9.2 M€.

Is SEPTEO FINANCE & ACCOUNTING SOLUTIONS profitable?

Yes, SEPTEO FINANCE & ACCOUNTING SOLUTIONS generated a net profit of 2.7 M€ in 2024.

Where is the headquarters of SEPTEO FINANCE & ACCOUNTING SOLUTIONS ?

The headquarters of SEPTEO FINANCE & ACCOUNTING SOLUTIONS is located in LATTES (34970), in the department Herault.

Where to find the tax return of SEPTEO FINANCE & ACCOUNTING SOLUTIONS ?

The tax return of SEPTEO FINANCE & ACCOUNTING SOLUTIONS 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 SEPTEO FINANCE & ACCOUNTING SOLUTIONS operate?

SEPTEO FINANCE & ACCOUNTING SOLUTIONS operates in the sector Ingénierie, études techniques (NAF code 71.12B). See the 'Sector positioning' section above to compare the company with its competitors.