SOC FINANCIERE ET FONCIERE NAB : revenue, balance sheet and financial ratios

SOC FINANCIERE ET FONCIERE NAB is a French company founded 30 years ago, specialized in the sector Activités des sociétés holding. Based in CAEN (14000), this company of category PME shows in 2022 a revenue of 12 k€. 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 - SOC FINANCIERE ET FONCIERE NAB (SIREN 403861396)
Indicator 2022 2021 2020 2019 2017
Revenue 12 000 € 12 000 € 12 000 € 201 000 € 328 500 €
Net income -90 992 € -133 433 € -43 427 € 6 604 120 € 589 782 €
EBITDA -182 293 € -220 233 € -233 734 € -9 789 € 146 649 €
Net margin -758.3% -1111.9% -361.9% 3285.6% 179.5%

Revenue and income statement

In 2022, SOC FINANCIERE ET FONCIERE NAB achieves revenue of 12 k€. Revenue is declining over the period 2017-2022 (CAGR: -48.4%). Slight decline of 0% vs 2021. After deducting consumption (0 €), gross margin stands at 12 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 -182 k€, representing -1519.1% of revenue. Positive scissor effect: EBITDA margin improves by +316.2 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -91 k€ (-758.3% of revenue), which will impact equity.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

12 000 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

12 000 €

EBITDA (2022) ?
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

-182 293 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-190 783 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-90 992 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-1519.1%

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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 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 77%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

26.168%

Financial autonomy (2022) ?
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

77.398%

Cash flow / Revenue (2022) ?
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

-467.85%

Repayment capacity (2022) ?
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

-25.695

Asset age ratio (2022) ?
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

81.4%

Solvency indicators evolution
SOC FINANCIERE ET FONCIERE NAB

Sector positioning

Debt ratio
26.17 2022
2020
2021
2022
Q1: 0.1
Med: 13.78
Q3: 79.91
Average

In 2022, the debt ratio of SOC FINANCIERE ET FONCIER... (26.17) 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
77.4% 2022
2020
2021
2022
Q1: 21.11%
Med: 62.06%
Q3: 90.2%
Good -5 pts over 3 years

In 2022, the financial autonomy of SOC FINANCIERE ET FONCIER... (77.4%) 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
-25.7 years 2022
2020
2021
2022
Q1: 0.0 years
Med: 0.1 years
Q3: 3.28 years
Excellent

In 2022, the repayment capacity of SOC FINANCIERE ET FONCIER... (-25.70) 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 2206.84. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2022) ?
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

2206.844

Interest coverage (2022) ?
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 ET FONCIERE NAB

Sector positioning

Liquidity ratio
2206.84 2022
2020
2021
2022
Q1: 111.66
Med: 499.96
Q3: 2835.13
Good -7 pts over 3 years

In 2022, the liquidity ratio of SOC FINANCIERE ET FONCIER... (2206.84) 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
0.0x 2022
2020
2021
2022
Q1: -53.22x
Med: 0.0x
Q3: 0.0x
Good

In 2022, the interest coverage of SOC FINANCIERE ET FONCIER... (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: 750 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 39 days. The gap of 711 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 105699 days of revenue, i.e. 3.5 M€ to permanently finance. Over 2017-2022, WCR increased by +127%, requiring additional financing.

Operating WCR (2022) ?
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

3 523 291 €

Customer credit (2022) ?
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

750 j

Supplier credit (2022) ?
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

39 j

Inventory turnover (2022) ?
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 (2022) ?
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

105699 j

WCR and payment terms evolution
SOC FINANCIERE ET FONCIERE NAB

Positioning of SOC FINANCIERE ET FONCIERE NAB in its sector

Comparison with sector Activités des sociétés holding

Valuation estimate

Based on 70 transactions of similar company sales in 2022, the value of SOC FINANCIERE ET FONCIERE NAB is estimated at 8 014 € (range 3 284€ - 13 061€). The price/revenue ratio is 0.67x (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.
Medium reliability: estimate to be confirmed with in-depth analysis.

Estimated enterprise value 2022
70 tx
3k€ 8k€ 13k€
8 014 € Range: 3 284€ - 13 061€
NAF 5 année 2022

Valuation method used

Revenue Multiple
12 000 € × 0.67x = 8 014 €
Range: 3 284€ - 13 061€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 70 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 sociétés holding)

Compare SOC FINANCIERE ET FONCIERE NAB with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sociétés holding

Frequently asked questions about SOC FINANCIERE ET FONCIERE NAB

What is the revenue of SOC FINANCIERE ET FONCIERE NAB ?

The revenue of SOC FINANCIERE ET FONCIERE NAB in 2022 is 12 k€.

Is SOC FINANCIERE ET FONCIERE NAB profitable?

SOC FINANCIERE ET FONCIERE NAB recorded a net loss in 2022.

Where is the headquarters of SOC FINANCIERE ET FONCIERE NAB ?

The headquarters of SOC FINANCIERE ET FONCIERE NAB is located in CAEN (14000), in the department Calvados.

Where to find the tax return of SOC FINANCIERE ET FONCIERE NAB ?

The tax return of SOC FINANCIERE ET FONCIERE NAB 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 ET FONCIERE NAB operate?

SOC FINANCIERE ET FONCIERE NAB operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.