SOCIETE DES MATERIAUX DU VAL DE LOIRE : revenue, balance sheet and financial ratios

SOCIETE DES MATERIAUX DU VAL DE LOIRE is a French company founded 41 years ago, specialized in the sector Exploitation de gravières et sablières, extraction d’argiles et de kaolin. Based in SUEVRES (41500), this company of category PME shows in 2022 a revenue of 1.2 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - SOCIETE DES MATERIAUX DU VAL DE LOIRE (SIREN 330740465)
Indicator 2022 2021 2020 2019 2018
Revenue 1 242 438 € 1 437 507 € 1 278 803 € 1 216 017 € 1 231 572 €
Net income 4 164 € 158 166 € 49 913 € -108 194 € 1 975 €
EBITDA 339 657 € 384 837 € 492 970 € 253 536 € 205 925 €
Net margin 0.3% 11.0% 3.9% -8.9% 0.2%

Revenue and income statement

In 2022, SOCIETE DES MATERIAUX DU VAL DE LOIRE achieves revenue of 1.2 M€. Revenue is growing positively over 5 years (CAGR: +0.2%). Significant drop of -14% vs 2021. After deducting consumption (122 k€), gross margin stands at 1.1 M€, i.e. a rate of 90%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 340 k€, representing 27.3% of 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 4 k€, i.e. 0.3% of revenue. This profit can be retained or distributed to shareholders.

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

1 242 438 €

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

1 120 275 €

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

339 657 €

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

19 232 €

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

4 164 €

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

27.3%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 116%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 15%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.4 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 25.9% 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 (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

115.821%

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

15.361%

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

25.935%

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

1.419

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

21.5%

Solvency indicators evolution
SOCIETE DES MATERIAUX DU VAL DE LOIRE

Sector positioning

Debt ratio
115.82 2022
2020
2021
2022
Q1: 0.01
Med: 14.91
Q3: 62.42
Watch

In 2022, the debt ratio of SOCIETE DES MATERIAUX DU ... (115.82) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
15.36% 2022
2020
2021
2022
Q1: 21.35%
Med: 43.24%
Q3: 62.29%
Average

In 2022, the financial autonomy of SOCIETE DES MATERIAUX DU ... (15.4%) 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
1.42 years 2022
2020
2021
2022
Q1: 0.0 years
Med: 0.44 years
Q3: 2.42 years
Average

In 2022, the repayment capacity of SOCIETE DES MATERIAUX DU ... (1.42) 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 62.91. 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 7.8x. Operating income very largely covers interest expenses: high safety margin.

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

62.912

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

7.76

Liquidity indicators evolution
SOCIETE DES MATERIAUX DU VAL DE LOIRE

Sector positioning

Liquidity ratio
62.91 2022
2020
2021
2022
Q1: 173.35
Med: 262.03
Q3: 420.78
Watch

In 2022, the liquidity ratio of SOCIETE DES MATERIAUX DU ... (62.91) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
7.76x 2022
2020
2021
2022
Q1: 0.0x
Med: 0.5x
Q3: 3.52x
Excellent

In 2022, the interest coverage of SOCIETE DES MATERIAUX DU ... (7.8x) 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: 69 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 89 days. Favorable situation: supplier credit is longer than customer credit by 20 days. Inventory turnover is 23 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. WCR is negative (-102 days): operations structurally generate cash. Notable WCR improvement over the period (-174%), freeing up cash.

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

-352 803 €

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

69 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

89 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

23 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

-102 j

WCR and payment terms evolution
SOCIETE DES MATERIAUX DU VAL DE LOIRE

Positioning of SOCIETE DES MATERIAUX DU VAL DE LOIRE in its sector

Comparison with sector Exploitation de gravières et sablières, extraction d’argiles et de kaolin

Valuation estimate

Based on 95 transactions of similar company sales (all years), the value of SOCIETE DES MATERIAUX DU VAL DE LOIRE is estimated at 306 136 € (range 92 190€ - 1 812 756€). With an EBITDA of 339 657€, the sector multiple of 1.4x is applied. The price/revenue ratio is 0.17x (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 2022
95 tx
92k€ 306k€ 1812k€
306 136 € Range: 92 190€ - 1 812 756€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
339 657 € × 1.4x
Estimation 480 859 €
109 834€ - 3 333 737€
Revenue Multiple 30%
1 242 438 € × 0.17x
Estimation 215 805 €
123 395€ - 478 818€
Net Income Multiple 20%
4 164 € × 1.2x
Estimation 4 826 €
1 275€ - 11 212€
How is this estimate calculated?

This estimate is based on the analysis of 95 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 (Exploitation de gravières et sablières, extraction d’argiles et de kaolin)

Compare SOCIETE DES MATERIAUX DU VAL DE LOIRE with other companies in the same sector:

Voir toutes les statistiques du secteur Exploitation de gravières et sablières, extraction d’argiles et de kaolin

Frequently asked questions about SOCIETE DES MATERIAUX DU VAL DE LOIRE

What is the revenue of SOCIETE DES MATERIAUX DU VAL DE LOIRE ?

The revenue of SOCIETE DES MATERIAUX DU VAL DE LOIRE in 2022 is 1.2 M€.

Is SOCIETE DES MATERIAUX DU VAL DE LOIRE profitable?

Yes, SOCIETE DES MATERIAUX DU VAL DE LOIRE generated a net profit of 4 k€ in 2022.

Where is the headquarters of SOCIETE DES MATERIAUX DU VAL DE LOIRE ?

The headquarters of SOCIETE DES MATERIAUX DU VAL DE LOIRE is located in SUEVRES (41500), in the department Loir-et-Cher.

Where to find the tax return of SOCIETE DES MATERIAUX DU VAL DE LOIRE ?

The tax return of SOCIETE DES MATERIAUX DU VAL DE LOIRE 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 DES MATERIAUX DU VAL DE LOIRE operate?

SOCIETE DES MATERIAUX DU VAL DE LOIRE operates in the sector Exploitation de gravières et sablières, extraction d’argiles et de kaolin (NAF code 08.12Z). See the 'Sector positioning' section above to compare the company with its competitors.