SIREN : 352597231
SERAP FINANCES is a French company founded 36 years ago, specialized in the sector Activités des sociétés holding. Based in GORRON (53120), this company of category ETI shows in 2024 a revenue of 3.1 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
| Indicator | 2024 | 2023 | 2020 |
|---|---|---|---|
| Revenue | 3 071 978 € | 2 747 811 € | 1 778 284 € |
| Net income | 471 892 € | 1 657 601 € | 933 786 € |
| EBITDA | 27 801 € | -131 339 € | -217 007 € |
| Net margin | 15.4% | 60.3% | 52.5% |
In 2024, SERAP FINANCES achieves revenue of 3.1 M€. Over the period 2020-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +14.6%. Vs 2023, growth of +12% (2.7 M€ -> 3.1 M€). After deducting consumption (0 €), gross margin stands at 3.1 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 28 k€, representing 0.9% of revenue. Positive scissor effect: EBITDA margin improves by +5.7 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 472 k€, i.e. 15.4% of revenue. This profit can be retained or distributed to shareholders.
3 071 978 €
3 071 978 €
27 801 €
45 905 €
471 892 €
0.9%
The debt ratio (= Financial debt / Equity x 100) stands at 27%. 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 75%. 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 4.3 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 44.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
26.955%
75.403%
44.234%
4.316
67.7%
In 2024, the debt ratio of SERAP FINANCES (26.95) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of SERAP FINANCES (75.4%) 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.
In 2024, the repayment capacity of SERAP FINANCES (4.32) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 191.88. 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 3840.8x. Operating income very largely covers interest expenses: high safety margin.
191.883
3840.837
In 2024, the liquidity ratio of SERAP FINANCES (191.88) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.
In 2024, the interest coverage of SERAP FINANCES (3840.8x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 49 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 72 days. Favorable situation: supplier credit is longer than customer credit by 23 days. WCR is negative (-80 days): operations structurally generate cash. Notable WCR improvement over the period (-356%), freeing up cash.
-680 658 €
49 j
72 j
0 j
-80 j
Based on 54 transactions of similar company sales
in 2024,
the value of SERAP FINANCES is estimated at
747 617 €
(range 436 829€ - 1 465 761€).
With an EBITDA of 27 801€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.59x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 54 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare SERAP FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of SERAP FINANCES in 2024 is 3.1 M€.
Yes, SERAP FINANCES generated a net profit of 472 k€ in 2024.
The headquarters of SERAP FINANCES is located in GORRON (53120), in the department Mayenne.
The tax return of SERAP FINANCES 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).
SERAP FINANCES operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.