SOCIETE D'EXPERTISE ET DE SERVICES : revenue, balance sheet and financial ratios

SOCIETE D'EXPERTISE ET DE SERVICES is a French company founded 24 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in VITROLLES (13127), this company of category ETI shows in 2024 a revenue of 3.5 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 D'EXPERTISE ET DE SERVICES (SIREN 441568235)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 3 518 594 € 3 620 462 € 4 708 797 € 4 711 543 € 5 087 501 € 6 310 257 € 5 815 187 € 3 646 370 € 3 390 997 €
Net income -226 196 € 191 290 € 397 099 € 290 154 € 280 355 € 463 546 € 551 964 € 63 600 € -101 721 €
EBITDA -185 295 € 207 698 € 628 731 € 534 366 € 571 089 € 864 512 € 778 090 € 121 016 € -108 829 €
Net margin -6.4% 5.3% 8.4% 6.2% 5.5% 7.3% 9.5% 1.7% -3.0%

Revenue and income statement

In 2024, SOCIETE D'EXPERTISE ET DE SERVICES achieves revenue of 3.5 M€. Revenue is growing positively over 9 years (CAGR: +0.5%). Slight decline of -3% vs 2023. After deducting consumption (0 €), gross margin stands at 3.5 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 -185 k€, representing -5.3% of revenue. Warning negative scissor effect: despite revenue change (-3%), EBITDA varies by -189%, reducing margin by 11.0 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -226 k€ (-6.4% of revenue), which will impact equity.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

3 518 594 €

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

3 518 594 €

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

-185 295 €

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

-213 643 €

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

-226 196 €

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

-5.3%

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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 6%. 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 28%. The balance between equity and debt is satisfactory.

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

6.019%

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

27.69%

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

-5.502%

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

-0.233

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

7.1%

Solvency indicators evolution
SOCIETE D'EXPERTISE ET DE SERVICES

Sector positioning

Debt ratio
6.02 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Good +20 pts over 3 years

In 2024, the debt ratio of SOCIETE D'EXPERTISE ET DE... (6.02) 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
27.69% 2024
2022
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Average -15 pts over 3 years

In 2024, the financial autonomy of SOCIETE D'EXPERTISE ET DE... (27.7%) 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
-0.23 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Excellent

In 2024, the repayment capacity of SOCIETE D'EXPERTISE ET DE... (-0.23) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 131.98. 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

131.979

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

-0.567

Liquidity indicators evolution
SOCIETE D'EXPERTISE ET DE SERVICES

Sector positioning

Liquidity ratio
131.98 2024
2022
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Average -13 pts over 3 years

In 2024, the liquidity ratio of SOCIETE D'EXPERTISE ET DE... (131.98) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
-0.57x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.21x
Average

In 2024, the interest coverage of SOCIETE D'EXPERTISE ET DE... (-0.6x) 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: 102 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 151 days. Excellent situation: suppliers finance 49 days of the operating cycle (retail model). Inventory turnover is 8 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 31 days of revenue, i.e. 300 k€ to permanently finance. Notable WCR improvement over the period (-59%), freeing up cash.

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

299 890 €

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

102 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

151 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

8 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

31 j

WCR and payment terms evolution
SOCIETE D'EXPERTISE ET DE SERVICES

Positioning of SOCIETE D'EXPERTISE ET DE SERVICES in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Based on 193 transactions of similar company sales (all years), the value of SOCIETE D'EXPERTISE ET DE SERVICES is estimated at 3 456 765 € (range 963 977€ - 6 428 985€). The price/revenue ratio is 0.98x (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 2024
193 transactions
963k€ 3456k€ 6428k€
3 456 765 € Range: 963 977€ - 6 428 985€
NAF 5 all-time

Valuation method used

Revenue Multiple
3 518 594 € × 0.98x = 3 456 766 €
Range: 963 977€ - 6 428 985€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 193 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 agents et courtiers d'assurances)

Compare SOCIETE D'EXPERTISE ET DE SERVICES with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about SOCIETE D'EXPERTISE ET DE SERVICES

What is the revenue of SOCIETE D'EXPERTISE ET DE SERVICES ?

The revenue of SOCIETE D'EXPERTISE ET DE SERVICES in 2024 is 3.5 M€.

Is SOCIETE D'EXPERTISE ET DE SERVICES profitable?

SOCIETE D'EXPERTISE ET DE SERVICES recorded a net loss in 2024.

Where is the headquarters of SOCIETE D'EXPERTISE ET DE SERVICES ?

The headquarters of SOCIETE D'EXPERTISE ET DE SERVICES is located in VITROLLES (13127), in the department Bouches-du-Rhone.

Where to find the tax return of SOCIETE D'EXPERTISE ET DE SERVICES ?

The tax return of SOCIETE D'EXPERTISE ET DE SERVICES 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 D'EXPERTISE ET DE SERVICES operate?

SOCIETE D'EXPERTISE ET DE SERVICES operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.