SIREN : 813380714
SN FINANCEMENT is a French company founded 10 years ago, specialized in the sector Activités des sièges sociaux. Based in SAINT-ETIENNE (42100), this company of category PME shows in 2021 a revenue of 1.3 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | N/C | N/C | N/C | 1 321 286 € | N/C | N/C | 1 877 710 € | 1 922 828 € | 1 779 563 € |
| Net income | -115 013 € | -103 018 € | -40 978 € | 1 088 € | 31 216 € | 22 648 € | -2 282 € | 31 430 € | 39 558 € |
| EBITDA | 283 € | -7 995 € | -9 259 € | -46 957 € | N/C | N/C | 20 159 € | 34 794 € | 57 001 € |
| Net margin | N/C | N/C | N/C | 0.1% | N/C | N/C | -0.1% | 1.6% | 2.2% |
In 2024, SN FINANCEMENT records a net loss of 115 k€. This deficit will reduce equity on the balance sheet.
283 €
-4 278 €
-115 013 €
The debt ratio (= Financial debt / Equity x 100) stands at -109%. 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 -872%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 38.8 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high.
-109.024%
-872.424%
38.831
26.2%
In 2024, the debt ratio of SN FINANCEMENT (-109.02) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
In 2024, the financial autonomy of SN FINANCEMENT (-872.4%) 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 2024, the repayment capacity of SN FINANCEMENT (38.83) 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 7.23. 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 40412.7x. Operating income very largely covers interest expenses: high safety margin.
7.229
40412.721
In 2024, the liquidity ratio of SN FINANCEMENT (7.23) 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 SN FINANCEMENT (40412.7x) 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.
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Based on 103 transactions of similar company sales in 2024, the value of SN FINANCEMENT is estimated at 1 423 € (range 245€ - 2 355€). With an EBITDA of 283€, the sector multiple of 5.0x is applied. 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.
Only this financial indicator is available for this company.
This estimate is based on the analysis of 103 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 SN FINANCEMENT with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sièges sociaux
The revenue of SN FINANCEMENT in 2021 is 1.3 M€.
SN FINANCEMENT recorded a net loss in 2024.
The headquarters of SN FINANCEMENT is located in SAINT-ETIENNE (42100), in the department Loire.
The tax return of SN FINANCEMENT 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).
SN FINANCEMENT operates in the sector Activités des sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.