SOC INDUST REGION CREDIT AUTOMO MATERIEL : revenue, balance sheet and financial ratios

SOC INDUST REGION CREDIT AUTOMO MATERIEL is a French company founded 43 years ago, specialized in the sector Autre distribution de crédit. Based in SAINT-ETIENNE (42000), this company of category GE shows in 2024 a revenue of 64 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 INDUST REGION CREDIT AUTOMO MATERIEL (SIREN 586150047)
Indicator 2024 2017 2016
Revenue 64 471 € 490 658 € 404 946 €
Net income 684 215 € 1 141 335 € 1 163 168 €
EBITDA -601 364 € 4 688 € -109 862 €
Net margin 1061.3% 232.6% 287.2%

Revenue and income statement

In 2024, SOC INDUST REGION CREDIT AUTOMO MATERIEL achieves revenue of 64 k€. Revenue is declining over the period 2016-2024 (CAGR: -20.5%). Significant drop of -87% vs 2017. After deducting consumption (13 k€), gross margin stands at 52 k€, i.e. a rate of 81%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -601 k€, representing -932.8% of revenue. Warning negative scissor effect: despite revenue change (-87%), EBITDA varies by -12928%, reducing margin by 933.7 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 684 k€, i.e. 1061.3% 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

64 471 €

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

51 900 €

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

-601 364 €

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

-1 000 364 €

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

684 215 €

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

-932.8%

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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 57%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 60%. 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 7.8 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 828.9% 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

56.869%

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

60.165%

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

828.894%

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

7.762

Solvency indicators evolution
SOC INDUST REGION CREDIT AUTOMO MATERIEL

Sector positioning

Debt ratio
56.87 2024
2016
2017
2024
Q1: 0.0
Med: 12.96
Q3: 83.54
Average -10 pts over 3 years

In 2024, the debt ratio of SOC INDUST REGION CREDIT ... (56.87) 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
60.16% 2024
2016
2017
2024
Q1: 5.44%
Med: 43.16%
Q3: 75.42%
Good +22 pts over 3 years

In 2024, the financial autonomy of SOC INDUST REGION CREDIT ... (60.2%) 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
7.76 years 2024
2016
2017
2024
Q1: -0.01 years
Med: 0.0 years
Q3: 1.95 years
Watch

In 2024, the repayment capacity of SOC INDUST REGION CREDIT ... (7.76) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 623.99. 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

623.985

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

-76.305

Liquidity indicators evolution
SOC INDUST REGION CREDIT AUTOMO MATERIEL

Sector positioning

Liquidity ratio
623.99 2024
2016
2017
2024
Q1: 136.44
Med: 347.58
Q3: 971.34
Good -14 pts over 3 years

In 2024, the liquidity ratio of SOC INDUST REGION CREDIT ... (623.99) 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
-76.31x 2024
2016
2017
2024
Q1: -15.44x
Med: 0.0x
Q3: 1.07x
Average +6 pts over 3 years

In 2024, the interest coverage of SOC INDUST REGION CREDIT ... (-76.3x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 94068 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 301 days. The gap of 93767 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 102906 days of revenue, i.e. 18.4 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

18 429 105 €

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

94068 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

301 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

102906 j

WCR and payment terms evolution
SOC INDUST REGION CREDIT AUTOMO MATERIEL

Positioning of SOC INDUST REGION CREDIT AUTOMO MATERIEL in its sector

Comparison with sector Autre distribution de crédit

Valuation estimate

Based on 135 transactions of similar company sales (all years), the value of SOC INDUST REGION CREDIT AUTOMO MATERIEL is estimated at 111 004 € (range 105 038€ - 1 289 221€). The price/revenue ratio is 0.11x (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
135 transactions
105k€ 111k€ 1289k€
111 004 € Range: 105 038€ - 1 289 221€
NAF 5 all-time

Valuation detail by method

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Revenue Multiple 30%
64 471 € × 0.11x
Estimation 7 353 €
6 094€ - 14 728€
Net Income Multiple 20%
684 215 € × 0.4x
Estimation 266 482 €
253 456€ - 3 200 961€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 135 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 (Autre distribution de crédit)

Compare SOC INDUST REGION CREDIT AUTOMO MATERIEL with other companies in the same sector:

Voir toutes les statistiques du secteur Autre distribution de crédit

Frequently asked questions about SOC INDUST REGION CREDIT AUTOMO MATERIEL

What is the revenue of SOC INDUST REGION CREDIT AUTOMO MATERIEL ?

The revenue of SOC INDUST REGION CREDIT AUTOMO MATERIEL in 2024 is 64 k€.

Is SOC INDUST REGION CREDIT AUTOMO MATERIEL profitable?

Yes, SOC INDUST REGION CREDIT AUTOMO MATERIEL generated a net profit of 684 k€ in 2024.

Where is the headquarters of SOC INDUST REGION CREDIT AUTOMO MATERIEL ?

The headquarters of SOC INDUST REGION CREDIT AUTOMO MATERIEL is located in SAINT-ETIENNE (42000), in the department Loire.

Where to find the tax return of SOC INDUST REGION CREDIT AUTOMO MATERIEL ?

The tax return of SOC INDUST REGION CREDIT AUTOMO MATERIEL 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 INDUST REGION CREDIT AUTOMO MATERIEL operate?

SOC INDUST REGION CREDIT AUTOMO MATERIEL operates in the sector Autre distribution de crédit (NAF code 64.92Z). See the 'Sector positioning' section above to compare the company with its competitors.