SOC FINANCIERE SAINTE MARGUERITE : revenue, balance sheet and financial ratios

SOC FINANCIERE SAINTE MARGUERITE is a French company founded 28 years ago, specialized in the sector Activités des sociétés holding. Based in LA GARDE (83130), this company of category ETI shows in 2024 a revenue of 1.2 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 SAINTE MARGUERITE (SIREN 417627916)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 1 231 419 € 1 220 557 € 1 208 385 € 1 108 629 € 1 115 436 € 1 094 843 € 1 063 887 € 1 095 291 € 1 085 563 €
Net income 711 818 € 118 013 € -163 137 € 127 193 € 76 287 € 79 760 € 57 774 € 86 414 € 4 598 937 €
EBITDA 533 861 € 158 282 € 183 434 € 187 761 € 118 359 € 79 265 € 143 696 € 143 249 € 323 479 €
Net margin 57.8% 9.7% -13.5% 11.5% 6.8% 7.3% 5.4% 7.9% 423.6%

Revenue and income statement

In 2024, SOC FINANCIERE SAINTE MARGUERITE achieves revenue of 1.2 M€. Revenue is growing positively over 9 years (CAGR: +1.6%). Vs 2023: +1%. After deducting consumption (0 €), gross margin stands at 1.2 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 534 k€, representing 43.4% of revenue. Positive scissor effect: EBITDA margin improves by +30.4 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 712 k€, i.e. 57.8% 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

1 231 419 €

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

1 231 419 €

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

533 861 €

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

418 410 €

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

711 818 €

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

43.4%

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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 95%. 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 0.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 57.9% 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

0.626%

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

95.19%

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

57.882%

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

0.134

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

0.4%

Solvency indicators evolution
SOC FINANCIERE SAINTE MARGUERITE

Sector positioning

Debt ratio
0.63 2024
2022
2023
2024
Q1: 0.01
Med: 8.77
Q3: 62.6
Good

In 2024, the debt ratio of SOC FINANCIERE SAINTE MAR... (0.63) 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
95.19% 2024
2022
2023
2024
Q1: 15.71%
Med: 62.26%
Q3: 91.3%
Excellent

In 2024, the financial autonomy of SOC FINANCIERE SAINTE MAR... (95.2%) 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
0.13 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.09 years
Q3: 3.07 years
Average -9 pts over 3 years

In 2024, the repayment capacity of SOC FINANCIERE SAINTE MAR... (0.13) 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 2008.05. 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 0.3x. Danger: operating income does not cover interest charges, unsustainable situation.

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

2008.045

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

0.262

Liquidity indicators evolution
SOC FINANCIERE SAINTE MARGUERITE

Sector positioning

Liquidity ratio
2008.05 2024
2022
2023
2024
Q1: 138.65
Med: 681.09
Q3: 3914.52
Good -7 pts over 3 years

In 2024, the liquidity ratio of SOC FINANCIERE SAINTE MAR... (2008.05) 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
0.26x 2024
2022
2023
2024
Q1: -74.77x
Med: 0.0x
Q3: 0.0x
Excellent

In 2024, the interest coverage of SOC FINANCIERE SAINTE MAR... (0.3x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.

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: 387 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 284 days. The gap of 103 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 4772 days of revenue, i.e. 16.3 M€ 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

16 322 077 €

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

387 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

284 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

4772 j

WCR and payment terms evolution
SOC FINANCIERE SAINTE MARGUERITE

Positioning of SOC FINANCIERE SAINTE MARGUERITE in its sector

Comparison with sector Activités des sociétés holding

Valuation estimate

Based on 54 transactions of similar company sales in 2024, the value of SOC FINANCIERE SAINTE MARGUERITE is estimated at 1 716 188 € (range 486 384€ - 3 546 299€). With an EBITDA of 533 861€, the sector multiple of 4.8x is applied. The price/revenue ratio is 0.59x (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 2024
54 tx
486k€ 1716k€ 3546k€
1 716 188 € Range: 486 384€ - 3 546 299€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
533 861 € × 4.8x
Estimation 2 581 672 €
437 014€ - 4 448 974€
Revenue Multiple 30%
1 231 419 € × 0.59x
Estimation 725 025 €
451 057€ - 861 918€
Net Income Multiple 20%
711 818 € × 1.5x
Estimation 1 039 227 €
662 802€ - 5 316 185€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 54 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 SAINTE MARGUERITE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sociétés holding

Frequently asked questions about SOC FINANCIERE SAINTE MARGUERITE

What is the revenue of SOC FINANCIERE SAINTE MARGUERITE ?

The revenue of SOC FINANCIERE SAINTE MARGUERITE in 2024 is 1.2 M€.

Is SOC FINANCIERE SAINTE MARGUERITE profitable?

Yes, SOC FINANCIERE SAINTE MARGUERITE generated a net profit of 712 k€ in 2024.

Where is the headquarters of SOC FINANCIERE SAINTE MARGUERITE ?

The headquarters of SOC FINANCIERE SAINTE MARGUERITE is located in LA GARDE (83130), in the department Var.

Where to find the tax return of SOC FINANCIERE SAINTE MARGUERITE ?

The tax return of SOC FINANCIERE SAINTE MARGUERITE 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 SAINTE MARGUERITE operate?

SOC FINANCIERE SAINTE MARGUERITE 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.