SGFI (SOCIETE GESTION FINANCIERE INVESTISSEMENTS) : revenue, balance sheet and financial ratios

SGFI (SOCIETE GESTION FINANCIERE INVESTISSEMENTS) is a French company founded 25 years ago, specialized in the sector Conseil pour les affaires et autres conseils de gestion. Based in VERGETOT (76280), this company of category PME shows in 2024 a revenue of 322 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

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

Financial history - SGFI (SOCIETE GESTION FINANCIERE INVESTISSEMENTS) (SIREN 434872750)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017
Revenue 321 903 € 391 479 € 431 037 € 379 194 € 213 460 € 179 698 € 137 086 € 126 894 €
Net income 833 € 1 635 € 1 503 € 9 466 € 1 179 € 1 603 € 2 689 € 4 950 €
EBITDA 39 738 € 40 114 € 23 868 € 60 162 € 32 690 € 10 485 € 1 944 € 16 132 €
Net margin 0.3% 0.4% 0.3% 2.5% 0.6% 0.9% 2.0% 3.9%

Revenue and income statement

In 2024, SGFI (SOCIETE GESTION FINANCIERE INVESTISSEMENTS) achieves revenue of 322 k€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +14.2%. Significant drop of -18% vs 2023. After deducting consumption (0 €), gross margin stands at 322 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 40 k€, representing 12.3% of revenue. Positive scissor effect: EBITDA margin improves by +2.1 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 833 €, i.e. 0.3% 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

321 903 €

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

321 903 €

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

39 738 €

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

2 457 €

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

833 €

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

12.3%

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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 122%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 15%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 3.5 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 10.1% 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

122.182%

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

14.525%

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

10.147%

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

3.505

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

74.9%

Solvency indicators evolution
SGFI (SOCIETE GESTION FINANCIERE INVESTISSEMENTS)

Sector positioning

Debt ratio
122.18 2024
2022
2023
2024
Q1: 0.0
Med: 3.98
Q3: 41.81
Average

In 2024, the debt ratio of SGFI (SOCIETE GESTION FIN... (122.18) 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
14.53% 2024
2022
2023
2024
Q1: 4.2%
Med: 38.87%
Q3: 76.44%
Average -6 pts over 3 years

In 2024, the financial autonomy of SGFI (SOCIETE GESTION FIN... (14.5%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
3.5 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 1.1 years
Average

In 2024, the repayment capacity of SGFI (SOCIETE GESTION FIN... (3.50) 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 104.35. 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 18.6x. 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

104.349

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

18.607

Liquidity indicators evolution
SGFI (SOCIETE GESTION FINANCIERE INVESTISSEMENTS)

Sector positioning

Liquidity ratio
104.35 2024
2022
2023
2024
Q1: 138.87
Med: 313.12
Q3: 966.61
Average

In 2024, the liquidity ratio of SGFI (SOCIETE GESTION FIN... (104.35) 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.

Interest coverage
18.61x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 0.26x
Excellent

In 2024, the interest coverage of SGFI (SOCIETE GESTION FIN... (18.6x) 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: 413 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 21 days. The gap of 392 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 21 days of revenue, i.e. 19 k€ to permanently finance. Notable WCR improvement over the period (-65%), freeing up cash.

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

19 089 €

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

413 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

21 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

21 j

WCR and payment terms evolution
SGFI (SOCIETE GESTION FINANCIERE INVESTISSEMENTS)

Positioning of SGFI (SOCIETE GESTION FINANCIERE INVESTISSEMENTS) in its sector

Comparison with sector Conseil pour les affaires et autres conseils de gestion

Valuation estimate

Based on 69 transactions of similar company sales in 2024, the value of SGFI (SOCIETE GESTION FINANCIERE INVESTISSEMENTS) is estimated at 149 393 € (range 54 288€ - 208 709€). With an EBITDA of 39 738€, the sector multiple of 4.3x is applied. The price/revenue ratio is 0.66x (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.

Estimated enterprise value 2024
69 tx
54k€ 149k€ 208k€
149 393 € Range: 54 288€ - 208 709€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
39 738 € × 4.3x
Estimation 169 218 €
33 643€ - 270 922€
Revenue Multiple 30%
321 903 € × 0.66x
Estimation 212 102 €
123 437€ - 234 533€
Net Income Multiple 20%
833 € × 6.9x
Estimation 5 769 €
2 178€ - 14 441€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 69 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 (Conseil pour les affaires et autres conseils de gestion)

Compare SGFI (SOCIETE GESTION FINANCIERE INVESTISSEMENTS) with other companies in the same sector:

Voir toutes les statistiques du secteur Conseil pour les affaires et autres conseils de gestion

Frequently asked questions about SGFI (SOCIETE GESTION FINANCIERE INVESTISSEMENTS)

What is the revenue of SGFI (SOCIETE GESTION FINANCIERE INVESTISSEMENTS) ?

The revenue of SGFI (SOCIETE GESTION FINANCIERE INVESTISSEMENTS) in 2024 is 322 k€.

Is SGFI (SOCIETE GESTION FINANCIERE INVESTISSEMENTS) profitable?

Yes, SGFI (SOCIETE GESTION FINANCIERE INVESTISSEMENTS) generated a net profit of 833€ in 2024.

Where is the headquarters of SGFI (SOCIETE GESTION FINANCIERE INVESTISSEMENTS) ?

The headquarters of SGFI (SOCIETE GESTION FINANCIERE INVESTISSEMENTS) is located in VERGETOT (76280), in the department Seine-Maritime.

Where to find the tax return of SGFI (SOCIETE GESTION FINANCIERE INVESTISSEMENTS) ?

The tax return of SGFI (SOCIETE GESTION FINANCIERE INVESTISSEMENTS) 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 SGFI (SOCIETE GESTION FINANCIERE INVESTISSEMENTS) operate?

SGFI (SOCIETE GESTION FINANCIERE INVESTISSEMENTS) operates in the sector Conseil pour les affaires et autres conseils de gestion (NAF code 70.22Z). See the 'Sector positioning' section above to compare the company with its competitors.