SOCIETE COOPERATIVE AGRICOLE UNEAL : revenue, balance sheet and financial ratios

SOCIETE COOPERATIVE AGRICOLE UNEAL is a French company founded 34 years ago, specialized in the sector Commerce de gros (commerce interentreprises) de céréales, de tabac non manufacturé, de semences et d'aliments pour le bétail . Based in SAINT-LAURENT-BLANGY (62223), this company of category ETI shows in 2025 a revenue of 619.8 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 - SOCIETE COOPERATIVE AGRICOLE UNEAL (SIREN 385110234)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 619 842 425 € 673 123 177 € 863 374 875 € 670 057 522 € 555 503 947 € 595 934 525 € 563 408 820 € 527 823 872 € 468 713 918 € 580 235 157 €
Net income 6 411 532 € 5 063 533 € 15 287 310 € 11 403 264 € 11 724 393 € 9 454 387 € 12 253 426 € 9 541 022 € 7 687 383 € 8 979 452 €
EBITDA 16 181 691 € 13 521 339 € 22 050 614 € 10 667 485 € 11 699 419 € 11 934 262 € 19 176 690 € 17 353 202 € 16 832 489 € 18 471 824 €
Net margin 1.0% 0.8% 1.8% 1.7% 2.1% 1.6% 2.2% 1.8% 1.6% 1.5%

Revenue and income statement

In 2025, SOCIETE COOPERATIVE AGRICOLE UNEAL achieves revenue of 619.8 M€. Revenue is growing positively over 10 years (CAGR: +0.7%). Slight decline of -8% vs 2024. After deducting consumption (516.9 M€), gross margin stands at 103.0 M€, i.e. a rate of 17%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 16.2 M€, representing 2.6% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 6.4 M€, i.e. 1.0% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

619 842 425 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

102 970 151 €

EBITDA (2025) ?
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

16 181 691 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

10 953 168 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

6 411 532 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

2.6%

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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 100%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 39%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 14.2 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 2.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

99.752%

Financial autonomy (2025) ?
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

38.512%

Cash flow / Revenue (2025) ?
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

2.111%

Repayment capacity (2025) ?
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

14.222

Asset age ratio (2025) ?
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

34.4%

Solvency indicators evolution
SOCIETE COOPERATIVE AGRICOLE UNEAL

Sector positioning

Debt ratio
99.75 2025
2023
2024
2025
Q1: 6.47
Med: 45.92
Q3: 121.67
Average -7 pts over 3 years

In 2025, the debt ratio of SOCIETE COOPERATIVE AGRIC... (99.75) 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
38.51% 2025
2023
2024
2025
Q1: 19.72%
Med: 40.93%
Q3: 57.41%
Average

In 2025, the financial autonomy of SOCIETE COOPERATIVE AGRIC... (38.5%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
14.22 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 2.08 years
Q3: 6.31 years
Average

In 2025, the repayment capacity of SOCIETE COOPERATIVE AGRIC... (14.22) 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 220.43. 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 110.2x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2025) ?
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

220.425

Interest coverage (2025) ?
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

110.186

Liquidity indicators evolution
SOCIETE COOPERATIVE AGRICOLE UNEAL

Sector positioning

Liquidity ratio
220.43 2025
2023
2024
2025
Q1: 130.13
Med: 212.59
Q3: 336.97
Good -23 pts over 3 years

In 2025, the liquidity ratio of SOCIETE COOPERATIVE AGRIC... (220.43) 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
110.19x 2025
2023
2024
2025
Q1: 0.0x
Med: 13.85x
Q3: 38.47x
Excellent

In 2025, the interest coverage of SOCIETE COOPERATIVE AGRIC... (110.2x) 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: 45 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 50 days. Favorable situation: supplier credit is longer than customer credit by 5 days. Inventory turnover is 26 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 120 days of revenue, i.e. 206.1 M€ to permanently finance. Over 2016-2025, WCR increased by +148%, requiring additional financing.

Operating WCR (2025) ?
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

206 060 416 €

Customer credit (2025) ?
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

45 j

Supplier credit (2025) ?
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

50 j

Inventory turnover (2025) ?
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

26 j

WCR in days of revenue (2025) ?
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

120 j

WCR and payment terms evolution
SOCIETE COOPERATIVE AGRICOLE UNEAL

Positioning of SOCIETE COOPERATIVE AGRICOLE UNEAL in its sector

Comparison with sector Commerce de gros (commerce interentreprises) de céréales, de tabac non manufacturé, de semences et d'aliments pour le bétail

Valuation estimate

Based on 94 transactions of similar company sales (all years), the value of SOCIETE COOPERATIVE AGRICOLE UNEAL is estimated at 33 837 449 € (range 22 123 188€ - 53 810 712€). With an EBITDA of 16 181 691€, the sector multiple of 0.5x is applied. The price/revenue ratio is 0.15x (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.
Medium reliability: estimate to be confirmed with in-depth analysis.

Estimated enterprise value 2025
94 tx
22123k€ 33837k€ 53810k€
33 837 449 € Range: 22 123 188€ - 53 810 712€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
16 181 691 € × 0.5x
Estimation 7 891 389 €
4 659 495€ - 33 737 394€
Revenue Multiple 30%
619 842 425 € × 0.15x
Estimation 93 672 198 €
63 574 922€ - 107 542 377€
Net Income Multiple 20%
6 411 532 € × 1.4x
Estimation 8 950 476 €
3 604 823€ - 23 396 514€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 94 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 (Commerce de gros (commerce interentreprises) de céréales, de tabac non manufacturé, de semences et d'aliments pour le bétail )

Compare SOCIETE COOPERATIVE AGRICOLE UNEAL with other companies in the same sector:

Voir toutes les statistiques du secteur Commerce de gros (commerce interentreprises) de céréales, de tabac non manufacturé, de semences et d'aliments pour le bétail

Frequently asked questions about SOCIETE COOPERATIVE AGRICOLE UNEAL

What is the revenue of SOCIETE COOPERATIVE AGRICOLE UNEAL ?

The revenue of SOCIETE COOPERATIVE AGRICOLE UNEAL in 2025 is 619.8 M€.

Is SOCIETE COOPERATIVE AGRICOLE UNEAL profitable?

Yes, SOCIETE COOPERATIVE AGRICOLE UNEAL generated a net profit of 6.4 M€ in 2025.

Where is the headquarters of SOCIETE COOPERATIVE AGRICOLE UNEAL ?

The headquarters of SOCIETE COOPERATIVE AGRICOLE UNEAL is located in SAINT-LAURENT-BLANGY (62223), in the department Pas-de-Calais.

Where to find the tax return of SOCIETE COOPERATIVE AGRICOLE UNEAL ?

The tax return of SOCIETE COOPERATIVE AGRICOLE UNEAL 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 SOCIETE COOPERATIVE AGRICOLE UNEAL operate?

SOCIETE COOPERATIVE AGRICOLE UNEAL operates in the sector Commerce de gros (commerce interentreprises) de céréales, de tabac non manufacturé, de semences et d'aliments pour le bétail (NAF code 46.21Z). See the 'Sector positioning' section above to compare the company with its competitors.