SN PERSONENI : revenue, balance sheet and financial ratios

SN PERSONENI is a French company founded 9 years ago, specialized in the sector Construction de maisons individuelles. Based in NOEL-CERNEUX (25500), this company of category PME shows in 2022 a revenue of 6.3 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-11

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

Financial history - SN PERSONENI (SIREN 828698936)
Indicator 2023 2022 2021 2020 2019
Revenue N/C 6 322 687 € N/C 3 188 055 € 3 367 802 €
Net income 342 563 € 444 724 € 276 152 € 125 051 € 154 318 €
EBITDA N/C 538 979 € N/C 187 530 € 198 188 €
Net margin N/C 7.0% N/C 3.9% 4.6%

Revenue and income statement

In 2023, SN PERSONENI generates positive net income of 343 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2019-2023: 154 k€ -> 343 k€.

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

342 563 €

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Chart evolution

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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 44%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 41%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

43.75%

Financial autonomy (2023) ?
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

41.468%

Asset age ratio (2023) ?
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

38.7%

Solvency indicators evolution
SN PERSONENI

Sector positioning

Debt ratio
43.75 2023
2021
2022
2023
Q1: 0.0
Med: 12.13
Q3: 55.06
Average -6 pts over 3 years

In 2023, the debt ratio of SN PERSONENI (43.75) 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
41.47% 2023
2021
2022
2023
Q1: 5.4%
Med: 23.41%
Q3: 45.27%
Good +14 pts over 3 years

In 2023, the financial autonomy of SN PERSONENI (41.5%) 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.

Repayment capacity
0.45 years 2022
2022
Q1: 0.0 years
Med: 0.02 years
Q3: 1.27 years
Average

In 2022, the repayment capacity of SN PERSONENI (0.45) 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 227.63. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

227.627

Liquidity indicators evolution
SN PERSONENI

Sector positioning

Liquidity ratio
227.63 2023
2021
2022
2023
Q1: 124.75
Med: 178.71
Q3: 286.08
Good +10 pts over 3 years

In 2023, the liquidity ratio of SN PERSONENI (227.63) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
1.3x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 1.59x
Good

In 2022, the interest coverage of SN PERSONENI (1.3x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2023) ?
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

0 €

Customer credit (2023) ?
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

0 j

Supplier credit (2023) ?
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

0 j

Inventory turnover (2023) ?
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 and payment terms evolution
SN PERSONENI

Positioning of SN PERSONENI in its sector

Comparison with sector Construction de maisons individuelles

Valuation estimate

Based on 113 transactions of similar company sales (all years), the value of SN PERSONENI is estimated at 850 338 € (range 288 270€ - 2 742 117€). 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.

Estimated enterprise value 2023
113 transactions
288k€ 850k€ 2742k€
850 338 € Range: 288 270€ - 2 742 117€
NAF 5 all-time

Valuation method used

Net Income Multiple
342 563 € × 2.5x = 850 339 €
Range: 288 270€ - 2 742 117€

Only this financial indicator is available for this company.

How is this estimate calculated?

This estimate is based on the analysis of 113 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 (Construction de maisons individuelles)

Compare SN PERSONENI with other companies in the same sector:

Voir toutes les statistiques du secteur Construction de maisons individuelles

Frequently asked questions about SN PERSONENI

What is the revenue of SN PERSONENI ?

The revenue of SN PERSONENI in 2022 is 6.3 M€.

Is SN PERSONENI profitable?

Yes, SN PERSONENI generated a net profit of 343 k€ in 2023.

Where is the headquarters of SN PERSONENI ?

The headquarters of SN PERSONENI is located in NOEL-CERNEUX (25500), in the department Doubs.

Where to find the tax return of SN PERSONENI ?

The tax return of SN PERSONENI 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 SN PERSONENI operate?

SN PERSONENI operates in the sector Construction de maisons individuelles (NAF code 41.20A). See the 'Sector positioning' section above to compare the company with its competitors.