SOC FINANCIERE ET IMMOBIL DU CROISSANT : revenue, balance sheet and financial ratios

SOC FINANCIERE ET IMMOBIL DU CROISSANT is a French company founded 67 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in PARIS (75002), this company of category PME shows in 2023 a revenue of 2.3 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 - SOC FINANCIERE ET IMMOBIL DU CROISSANT (SIREN 592067391)
Indicator 2023 2022 2021 2019 2018 2017 2016
Revenue 2 310 194 € 2 385 297 € 2 369 944 € 2 232 802 € 2 117 751 € 1 934 812 € 1 662 240 €
Net income 1 127 121 € 1 215 662 € 964 874 € 767 265 € 659 860 € 717 072 € 619 526 €
EBITDA 1 761 355 € 1 932 453 € 1 978 556 € 1 535 608 € 1 524 743 € 1 385 915 € 1 022 903 €
Net margin 48.8% 51.0% 40.7% 34.4% 31.2% 37.1% 37.3%

Revenue and income statement

In 2023, SOC FINANCIERE ET IMMOBIL DU CROISSANT achieves revenue of 2.3 M€. Revenue is growing positively over 7 years (CAGR: +4.8%). Slight decline of -3% vs 2022. After deducting consumption (0 €), gross margin stands at 2.3 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 1.8 M€, representing 76.2% of revenue. Warning negative scissor effect: despite revenue change (-3%), EBITDA varies by -9%, reducing margin by 4.8 pts. This reflects costs rising faster than 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 1.1 M€, i.e. 48.8% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

2 310 194 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

2 310 194 €

EBITDA (2023) ?
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

1 761 355 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

1 586 692 €

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

1 127 121 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

76.2%

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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 81%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 45%. 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 0.9 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 52.6% 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 (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

81.009%

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

44.665%

Cash flow / Revenue (2023) ?
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

52.639%

Repayment capacity (2023) ?
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

0.945

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

38.0%

Solvency indicators evolution
SOC FINANCIERE ET IMMOBIL DU CROISSANT

Sector positioning

Debt ratio
81.01 2023
2021
2022
2023
Q1: -24.56
Med: 7.75
Q3: 165.49
Average

In 2023, the debt ratio of SOC FINANCIERE ET IMMOBIL... (81.01) 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
44.66% 2023
2021
2022
2023
Q1: 0.43%
Med: 30.89%
Q3: 76.14%
Good +6 pts over 3 years

In 2023, the financial autonomy of SOC FINANCIERE ET IMMOBIL... (44.7%) 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
0.94 years 2023
2021
2022
2023
Q1: -0.3 years
Med: 0.44 years
Q3: 10.33 years
Average

In 2023, the repayment capacity of SOC FINANCIERE ET IMMOBIL... (0.94) 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 423.12. 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 0.5x. Danger: operating income does not cover interest charges, unsustainable situation.

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

423.12

Interest coverage (2023) ?
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

0.485

Liquidity indicators evolution
SOC FINANCIERE ET IMMOBIL DU CROISSANT

Sector positioning

Liquidity ratio
423.12 2023
2021
2022
2023
Q1: 95.06
Med: 298.09
Q3: 1218.26
Good

In 2023, the liquidity ratio of SOC FINANCIERE ET IMMOBIL... (423.12) 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
0.48x 2023
2021
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 16.98x
Good

In 2023, the interest coverage of SOC FINANCIERE ET IMMOBIL... (0.5x) 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: 258 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 54 days. The gap of 204 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 36 days of revenue, i.e. 229 k€ to permanently finance. Over 2016-2023, WCR increased by +81%, requiring additional financing.

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

228 779 €

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

258 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

54 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 in days of revenue (2023) ?
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

36 j

WCR and payment terms evolution
SOC FINANCIERE ET IMMOBIL DU CROISSANT

Positioning of SOC FINANCIERE ET IMMOBIL DU CROISSANT in its sector

Comparison with sector Location de terrains et d'autres biens immobiliers

Valuation estimate

Based on 215 transactions of similar company sales in 2023, the value of SOC FINANCIERE ET IMMOBIL DU CROISSANT is estimated at 6 170 956 € (range 1 781 248€ - 10 576 600€). With an EBITDA of 1 761 355€, the sector multiple of 5.2x is applied. The price/revenue ratio is 0.51x (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 2023
215 transactions
1781k€ 6170k€ 10576k€
6 170 956 € Range: 1 781 248€ - 10 576 600€
NAF 5 année 2023

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
1 761 355 € × 5.2x
Estimation 9 077 220 €
2 302 993€ - 14 585 567€
Revenue Multiple 30%
2 310 194 € × 0.51x
Estimation 1 179 624 €
537 135€ - 2 698 637€
Net Income Multiple 20%
1 127 121 € × 5.7x
Estimation 6 392 297 €
2 343 054€ - 12 371 131€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 215 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 (Location de terrains et d'autres biens immobiliers)

Compare SOC FINANCIERE ET IMMOBIL DU CROISSANT with other companies in the same sector:

Voir toutes les statistiques du secteur Location de terrains et d'autres biens immobiliers

Frequently asked questions about SOC FINANCIERE ET IMMOBIL DU CROISSANT

What is the revenue of SOC FINANCIERE ET IMMOBIL DU CROISSANT ?

The revenue of SOC FINANCIERE ET IMMOBIL DU CROISSANT in 2023 is 2.3 M€.

Is SOC FINANCIERE ET IMMOBIL DU CROISSANT profitable?

Yes, SOC FINANCIERE ET IMMOBIL DU CROISSANT generated a net profit of 1.1 M€ in 2023.

Where is the headquarters of SOC FINANCIERE ET IMMOBIL DU CROISSANT ?

The headquarters of SOC FINANCIERE ET IMMOBIL DU CROISSANT is located in PARIS (75002), in the department Paris.

Where to find the tax return of SOC FINANCIERE ET IMMOBIL DU CROISSANT ?

The tax return of SOC FINANCIERE ET IMMOBIL DU CROISSANT 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 IMMOBIL DU CROISSANT operate?

SOC FINANCIERE ET IMMOBIL DU CROISSANT operates in the sector Location de terrains et d'autres biens immobiliers (NAF code 68.20B). See the 'Sector positioning' section above to compare the company with its competitors.