SIREN : 523315893
SILBA is a French company founded 15 years ago, specialized in the sector Autre distribution de crédit. Based in MARSEILLE (13012), this company of category PME shows in 2023 a revenue of 164 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 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|
| Revenue | 163 701 € | 159 558 € | 169 200 € | 164 950 € | 141 572 € |
| Net income | 229 940 € | 169 176 € | 114 167 € | 143 182 € | 113 941 € |
| EBITDA | 24 404 € | 17 274 € | 48 114 € | 50 837 € | -14 952 € |
| Net margin | 140.5% | 106.0% | 67.5% | 86.8% | 80.5% |
In 2023, SILBA achieves revenue of 164 k€. Revenue is growing positively over 5 years (CAGR: +3.7%). Vs 2022: +3%. After deducting consumption (0 €), gross margin stands at 164 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 24 k€, representing 14.9% of revenue. Positive scissor effect: EBITDA margin improves by +4.1 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 230 k€, i.e. 140.5% of revenue. This profit can be retained or distributed to shareholders.
163 701 €
163 701 €
24 404 €
28 396 €
229 940 €
14.9%
The debt ratio (= Financial debt / Equity x 100) stands at 26%. 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 76%. 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 10.1 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 8.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
25.912%
76.337%
8.649%
10.081
In 2023, the debt ratio of SILBA (25.91) 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 2023, the financial autonomy of SILBA (76.3%) 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 2023, the repayment capacity of SILBA (10.08) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.
The liquidity ratio (= Current assets / Current liabilities) stands at 1359.23. 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 8.5x. Operating income very largely covers interest expenses: high safety margin.
1359.235
8.49
In 2023, the liquidity ratio of SILBA (1359.23) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2023, the interest coverage of SILBA (8.5x) 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: 69 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 0 days. The gap of 69 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 384 days of revenue, i.e. 174 k€ to permanently finance. Over 2019-2023, WCR increased by +692%, requiring additional financing.
174 445 €
69 j
0 j
0 j
384 j
Based on 135 transactions of similar company sales (all years), the value of SILBA is estimated at 27 775 € (range 24 628€ - 258 638€). With an EBITDA of 24 404€, the sector multiple of 0.3x is applied. The price/revenue ratio is 0.11x (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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 135 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 SILBA with other companies in the same sector:
Voir toutes les statistiques du secteur Autre distribution de crédit
The revenue of SILBA in 2023 is 164 k€.
Yes, SILBA generated a net profit of 230 k€ in 2023.
The headquarters of SILBA is located in MARSEILLE (13012), in the department Bouches-du-Rhone.
The tax return of SILBA 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).
SILBA operates in the sector Autre distribution de crédit (NAF code 64.92Z). See the 'Sector positioning' section above to compare the company with its competitors.