SIREN : 520972159
S.I. FINANCES is a French company founded 16 years ago, specialized in the sector Activités des sociétés holding. Based in MONTREUIL (93100), this company of category PME shows in 2021 a revenue of 633 k€. 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 | 2021 | 2020 | 2019 | 2018 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|
| Revenue | 633 200 € | 307 244 € | 267 619 € | 92 173 € | 80 289 € | 131 318 € | 141 636 € |
| Net income | 480 069 € | 209 743 € | 184 917 € | 10 210 € | -48 999 € | 634 057 € | 54 974 € |
| EBITDA | 522 848 € | 242 233 € | 198 492 € | 843 € | -10 340 € | 62 587 € | 80 099 € |
| Net margin | 75.8% | 68.3% | 69.1% | 11.1% | -61.0% | 482.8% | 38.8% |
In 2021, S.I. FINANCES achieves revenue of 633 k€. Over the period 2014-2021, the company shows strong growth with a CAGR (compound annual growth rate) of +23.9%. Vs 2020, growth of +106% (307 k€ -> 633 k€). After deducting consumption (0 €), gross margin stands at 633 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 523 k€, representing 82.6% of revenue. Positive scissor effect: EBITDA margin improves by +3.7 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 480 k€, i.e. 75.8% of revenue. This profit can be retained or distributed to shareholders.
633 200 €
633 200 €
522 848 €
522 848 €
480 069 €
82.6%
The debt ratio (= Financial debt / Equity x 100) stands at 18%. 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 13%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 75.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
17.887%
12.61%
75.816%
0.0
In 2021, the debt ratio of S.I. FINANCES (17.89) 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 2021, the financial autonomy of S.I. FINANCES (12.6%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2021, the repayment capacity of S.I. FINANCES (0.00) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
The liquidity ratio (= Current assets / Current liabilities) stands at 292.17. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
292.174
0.0
In 2021, the liquidity ratio of S.I. FINANCES (292.17) 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 2021, the interest coverage of S.I. FINANCES (0.0x) 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) 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: 5 days. The gap of 44 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 57 days of revenue, i.e. 100 k€ to permanently finance. Over 2014-2021, WCR increased by +51%, requiring additional financing.
99 824 €
49 j
5 j
0 j
57 j
Based on 98 transactions of similar company sales
in 2021,
the value of S.I. FINANCES is estimated at
1 919 671 €
(range 923 241€ - 3 600 476€).
With an EBITDA of 522 848€, the sector multiple of 5.2x is applied.
The price/revenue ratio is 0.46x
(conservative 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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 98 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 S.I. FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of S.I. FINANCES in 2021 is 633 k€.
Yes, S.I. FINANCES generated a net profit of 480 k€ in 2021.
The headquarters of S.I. FINANCES is located in MONTREUIL (93100), in the department Seine-Saint-Denis.
The tax return of S.I. 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).
S.I. 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.