SOC FINANCIERE BRETAGNE ANJOU : revenue, balance sheet and financial ratios

SOC FINANCIERE BRETAGNE ANJOU is a French company founded 69 years ago, specialized in the sector Activités des sièges sociaux. Based in SAINT-ETIENNE-DE-MONTLUC (44360), this company of category PME shows in 2024 a revenue of 208 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

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

Financial history - SOC FINANCIERE BRETAGNE ANJOU (SIREN 857803829)
Indicator 2024 2023 2021 2020 2019 2018 2017 2016
Revenue 207 947 € 196 232 € 280 156 € 380 000 € 358 588 € 355 320 € 351 400 € 330 656 €
Net income 292 742 € 234 069 € 849 231 € 264 002 € 464 136 € 257 872 € 243 388 € 70 133 €
EBITDA 154 817 € 147 961 € -36 888 € 89 907 € 73 224 € -73 283 € -72 257 € -79 219 €
Net margin 140.8% 119.3% 303.1% 69.5% 129.4% 72.6% 69.3% 21.2%

Revenue and income statement

In 2024, SOC FINANCIERE BRETAGNE ANJOU achieves revenue of 208 k€. Revenue is declining over the period 2016-2024 (CAGR: -5.6%). Vs 2023: +6%. After deducting consumption (0 €), gross margin stands at 208 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 155 k€, representing 74.5% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 293 k€, i.e. 140.8% of revenue. This profit can be retained or distributed to shareholders.

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

207 947 €

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

207 947 €

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

154 817 €

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

178 850 €

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

292 742 €

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

74.5%

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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 1%. 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 99%. 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 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 129.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

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

1.012%

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

98.851%

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

129.195%

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

0.255

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

11.4%

Solvency indicators evolution
SOC FINANCIERE BRETAGNE ANJOU

Sector positioning

Debt ratio
1.01 2024
2021
2023
2024
Q1: 0.06
Med: 14.6
Q3: 89.53
Good

In 2024, the debt ratio of SOC FINANCIERE BRETAGNE A... (1.01) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
98.85% 2024
2021
2023
2024
Q1: 11.56%
Med: 51.97%
Q3: 85.23%
Excellent

In 2024, the financial autonomy of SOC FINANCIERE BRETAGNE A... (98.8%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
0.26 years 2024
2021
2023
2024
Q1: 0.0 years
Med: 0.2 years
Q3: 3.73 years
Average +23 pts over 3 years

In 2024, the repayment capacity of SOC FINANCIERE BRETAGNE A... (0.26) 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 57612.42. 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

57612.424

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

0.0

Liquidity indicators evolution
SOC FINANCIERE BRETAGNE ANJOU

Sector positioning

Liquidity ratio
57612.42 2024
2021
2023
2024
Q1: 116.68
Med: 458.4
Q3: 2174.13
Excellent

In 2024, the liquidity ratio of SOC FINANCIERE BRETAGNE A... (57612.42) 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.

Interest coverage
0.0x 2024
2021
2023
2024
Q1: -45.52x
Med: 0.0x
Q3: 2.86x
Good

In 2024, the interest coverage of SOC FINANCIERE BRETAGNE A... (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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 119 days. Excellent situation: suppliers finance 119 days of the operating cycle (retail model). Overall, WCR represents 12 days of revenue, i.e. 7 k€ to permanently finance.

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

6 650 €

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

0 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

119 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

0 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

12 j

WCR and payment terms evolution
SOC FINANCIERE BRETAGNE ANJOU

Positioning of SOC FINANCIERE BRETAGNE ANJOU in its sector

Comparison with sector Activités des sièges sociaux

Valuation estimate

Based on 103 transactions of similar company sales in 2024, the value of SOC FINANCIERE BRETAGNE ANJOU is estimated at 969 697 € (range 269 413€ - 2 190 822€). With an EBITDA of 154 817€, the sector multiple of 5.0x is applied. The price/revenue ratio is 0.38x (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.

Estimated enterprise value 2024
103 transactions
269k€ 969k€ 2190k€
969 697 € Range: 269 413€ - 2 190 822€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
154 817 € × 5.0x
Estimation 778 933 €
134 088€ - 1 288 595€
Revenue Multiple 30%
207 947 € × 0.38x
Estimation 78 525 €
37 427€ - 158 592€
Net Income Multiple 20%
292 742 € × 9.5x
Estimation 2 783 367 €
955 706€ - 7 494 736€

Valuation evolution

How is this estimate calculated?

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.

  • 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 (Activités des sièges sociaux)

Compare SOC FINANCIERE BRETAGNE ANJOU with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sièges sociaux

Frequently asked questions about SOC FINANCIERE BRETAGNE ANJOU

What is the revenue of SOC FINANCIERE BRETAGNE ANJOU ?

The revenue of SOC FINANCIERE BRETAGNE ANJOU in 2024 is 208 k€.

Is SOC FINANCIERE BRETAGNE ANJOU profitable?

Yes, SOC FINANCIERE BRETAGNE ANJOU generated a net profit of 293 k€ in 2024.

Where is the headquarters of SOC FINANCIERE BRETAGNE ANJOU ?

The headquarters of SOC FINANCIERE BRETAGNE ANJOU is located in SAINT-ETIENNE-DE-MONTLUC (44360), in the department Loire-Atlantique.

Where to find the tax return of SOC FINANCIERE BRETAGNE ANJOU ?

The tax return of SOC FINANCIERE BRETAGNE ANJOU 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 SOC FINANCIERE BRETAGNE ANJOU operate?

SOC FINANCIERE BRETAGNE ANJOU 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.