SOCIETE D'INVESTISSEMENT ET DE GESTION EN PATRIMOINE SIGEP : revenue, balance sheet and financial ratios

In 2025, SOCIETE D'INVESTISSEMENT ET DE GESTION EN PATRIMOINE SIGEP achieves revenue of 50 k€. Over the period 2022-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +7.3%. Significant drop of -20% vs 2024. After deducting consumption (3 k€), gross margin stands at 48 k€, i.e. a rate of 95%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 9 k€, representing 16.9% of revenue. Warning negative scissor effect: despite revenue change (-20%), EBITDA varies by -57%, reducing margin by 14.0 pts. This reflects costs rising faster than 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 11 k€, i.e. 22.0% of revenue. This profit can be retained or distributed to shareholders.

The debt ratio (= Financial debt / Equity x 100) stands at 260%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 23%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 4.9 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 33.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

The liquidity ratio (= Current assets / Current liabilities) stands at 483.51. 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 17.7x. Operating income very largely covers interest expenses: high safety margin.

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 525 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 76 days. The gap of 449 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 697 days of revenue, i.e. 98 k€ to permanently finance.

Based on 80 transactions of similar company sales (all years), the value of SOCIETE D'INVESTISSEMENT ET DE GESTION EN PATRIMOINE SIGEP is estimated at 13 723 € (range 4 907€ - 37 762€). With an EBITDA of 8 521€, the sector multiple of 1.0x is applied. The price/revenue ratio is 0.28x (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.