SNC LE FOURNIL DU VAL DE LOIRE : revenue, balance sheet and financial ratios

SNC LE FOURNIL DU VAL DE LOIRE is a French company founded 31 years ago, specialized in the sector Fabrication industrielle de pain et de pâtisserie fraîche. Based in JOUE-LES-TOURS (37300), this company of category GE shows in 2024 a revenue of 47.7 M€. 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 - SNC LE FOURNIL DU VAL DE LOIRE (SIREN 400333738)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 47 661 003 € 42 958 272 € 38 175 911 € 37 888 705 € 41 262 475 € 42 614 240 € 43 488 000 € 41 771 818 € 41 338 691 €
Net income -2 716 056 € -6 441 327 € -6 293 221 € -2 681 591 € -557 817 € -608 793 € -643 000 € -764 510 € 536 814 €
EBITDA -921 958 € -4 245 451 € -4 711 891 € -1 193 993 € 1 265 724 € 867 191 € 501 000 € 756 250 € 2 319 160 €
Net margin -5.7% -15.0% -16.5% -7.1% -1.4% -1.4% -1.5% -1.8% 1.3%

Revenue and income statement

In 2024, SNC LE FOURNIL DU VAL DE LOIRE achieves revenue of 47.7 M€. Revenue is growing positively over 9 years (CAGR: +1.8%). Vs 2023, growth of +11% (43.0 M€ -> 47.7 M€). After deducting consumption (25.1 M€), gross margin stands at 22.5 M€, i.e. a rate of 47%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -922 k€, representing -1.9% of revenue. Positive scissor effect: EBITDA margin improves by +7.9 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -2.7 M€ (-5.7% of revenue), which will impact equity.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

47 661 003 €

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

22 537 881 €

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

-921 958 €

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

-1 685 894 €

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

-2 716 056 €

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

-1.9%

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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 -127%. 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 -107%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

-127.014%

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

-106.708%

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

-3.59%

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

-10.718

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

11.7%

Solvency indicators evolution
SNC LE FOURNIL DU VAL DE LOIRE

Sector positioning

Debt ratio
-127.01 2024
2022
2023
2024
Q1: 0.0
Med: 31.34
Q3: 102.72
Excellent

In 2024, the debt ratio of SNC LE FOURNIL DU VAL DE ... (-127.01) 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.

Financial autonomy
-106.71% 2024
2022
2023
2024
Q1: 9.78%
Med: 32.57%
Q3: 56.31%
Average

In 2024, the financial autonomy of SNC LE FOURNIL DU VAL DE ... (-106.7%) 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
-10.72 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.14 years
Q3: 2.48 years
Excellent

In 2024, the repayment capacity of SNC LE FOURNIL DU VAL DE ... (-10.72) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 77.21. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

77.209

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

-79.448

Liquidity indicators evolution
SNC LE FOURNIL DU VAL DE LOIRE

Sector positioning

Liquidity ratio
77.21 2024
2022
2023
2024
Q1: 102.62
Med: 152.34
Q3: 237.09
Watch

In 2024, the liquidity ratio of SNC LE FOURNIL DU VAL DE ... (77.21) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
-79.45x 2024
2022
2023
2024
Q1: 0.0x
Med: 1.79x
Q3: 5.95x
Watch

In 2024, the interest coverage of SNC LE FOURNIL DU VAL DE ... (-79.5x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.

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: 17 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 58 days. Excellent situation: suppliers finance 41 days of the operating cycle (retail model). Inventory turnover is 24 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 35 days of revenue, i.e. 4.6 M€ to permanently finance. Over 2016-2024, WCR increased by +36%, requiring additional financing.

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

4 574 980 €

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

17 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

58 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

24 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

35 j

WCR and payment terms evolution
SNC LE FOURNIL DU VAL DE LOIRE

Positioning of SNC LE FOURNIL DU VAL DE LOIRE in its sector

Comparison with sector Fabrication industrielle de pain et de pâtisserie fraîche

Valuation estimate

Based on 203 transactions of similar company sales in 2024, the value of SNC LE FOURNIL DU VAL DE LOIRE is estimated at 26 436 477 € (range 16 511 856€ - 35 191 389€). The price/revenue ratio is 0.55x (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.

Estimated enterprise value 2024
203 transactions
16511k€ 26436k€ 35191k€
26 436 477 € Range: 16 511 856€ - 35 191 389€
NAF 5 année 2024

Valuation method used

Revenue Multiple
47 661 003 € × 0.55x = 26 436 477 €
Range: 16 511 857€ - 35 191 389€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 203 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 (Fabrication industrielle de pain et de pâtisserie fraîche)

Compare SNC LE FOURNIL DU VAL DE LOIRE with other companies in the same sector:

Voir toutes les statistiques du secteur Fabrication industrielle de pain et de pâtisserie fraîche

Frequently asked questions about SNC LE FOURNIL DU VAL DE LOIRE

What is the revenue of SNC LE FOURNIL DU VAL DE LOIRE ?

The revenue of SNC LE FOURNIL DU VAL DE LOIRE in 2024 is 47.7 M€.

Is SNC LE FOURNIL DU VAL DE LOIRE profitable?

SNC LE FOURNIL DU VAL DE LOIRE recorded a net loss in 2024.

Where is the headquarters of SNC LE FOURNIL DU VAL DE LOIRE ?

The headquarters of SNC LE FOURNIL DU VAL DE LOIRE is located in JOUE-LES-TOURS (37300), in the department Indre-et-Loire.

Where to find the tax return of SNC LE FOURNIL DU VAL DE LOIRE ?

The tax return of SNC LE FOURNIL DU VAL DE LOIRE 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 SNC LE FOURNIL DU VAL DE LOIRE operate?

SNC LE FOURNIL DU VAL DE LOIRE operates in the sector Fabrication industrielle de pain et de pâtisserie fraîche (NAF code 10.71A). See the 'Sector positioning' section above to compare the company with its competitors.