SOCIETE EUROPEENNE FINANCEMENT LOCATION : revenue, balance sheet and financial ratios

SOCIETE EUROPEENNE FINANCEMENT LOCATION is a French company founded 35 years ago, specialized in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.. Based in AIX-EN-PROVENCE (13290), this company of category PME shows in 2021 a revenue of 20.9 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 EUROPEENNE FINANCEMENT LOCATION (SIREN 381024611)
Indicator 2021 2020 2019 2017 2016 2015 2014
Revenue 20 933 036 € 21 659 770 € 19 168 940 € 9 995 191 € 8 323 639 € 6 285 548 € 5 038 112 €
Net income 648 015 € 468 785 € 299 923 € 227 590 € 225 663 € 100 438 € 50 418 €
EBITDA 932 913 € 1 157 831 € 688 631 € 468 978 € 491 252 € 232 122 € 94 135 €
Net margin 3.1% 2.2% 1.6% 2.3% 2.7% 1.6% 1.0%

Revenue and income statement

In 2021, SOCIETE EUROPEENNE FINANCEMENT LOCATION achieves revenue of 20.9 M€. Over the period 2014-2021, the company shows strong growth with a CAGR (compound annual growth rate) of +22.6%. Slight decline of -3% vs 2020. After deducting consumption (8.2 M€), gross margin stands at 12.7 M€, i.e. a rate of 61%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 933 k€, representing 4.5% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 648 k€, i.e. 3.1% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2021) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

20 933 036 €

Gross margin (2021) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

12 723 249 €

EBITDA (2021) ?
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

932 913 €

EBIT (2021) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

943 494 €

Net income (2021) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

648 015 €

EBITDA margin (2021) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

4.5%

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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 127%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 31%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 5.5 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 2.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2021) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

126.639%

Financial autonomy (2021) ?
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

30.948%

Cash flow / Revenue (2021) ?
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

2.351%

Repayment capacity (2021) ?
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

5.541

Asset age ratio (2021) ?
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

55.1%

Solvency indicators evolution
SOCIETE EUROPEENNE FINANCEMENT LOCATION

Sector positioning

Debt ratio
126.64 2021
2019
2020
2021
Q1: 0.0
Med: 8.63
Q3: 80.84
Average

In 2021, the debt ratio of SOCIETE EUROPEENNE FINANC... (126.64) 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
30.95% 2021
2019
2020
2021
Q1: 8.26%
Med: 40.93%
Q3: 73.55%
Average

In 2021, the financial autonomy of SOCIETE EUROPEENNE FINANC... (30.9%) 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
5.54 years 2021
2019
2020
2021
Q1: 0.0 years
Med: 0.0 years
Q3: 1.31 years
Average

In 2021, the repayment capacity of SOCIETE EUROPEENNE FINANC... (5.54) 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 292.70. 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 8.3x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2021) ?
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

292.701

Interest coverage (2021) ?
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

8.313

Liquidity indicators evolution
SOCIETE EUROPEENNE FINANCEMENT LOCATION

Sector positioning

Liquidity ratio
292.7 2021
2019
2020
2021
Q1: 132.89
Med: 276.82
Q3: 713.82
Good +6 pts over 3 years

In 2021, the liquidity ratio of SOCIETE EUROPEENNE FINANC... (292.70) 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
8.31x 2021
2019
2020
2021
Q1: 0.0x
Med: 0.0x
Q3: 0.45x
Excellent

In 2021, the interest coverage of SOCIETE EUROPEENNE FINANC... (8.3x) 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: 35 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 17 days. The company must finance 18 days of gap between collections and payments. Inventory turnover is 3 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 78 days of revenue, i.e. 4.6 M€ to permanently finance. Over 2014-2021, WCR increased by +1201%, requiring additional financing.

Operating WCR (2021) ?
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

4 553 354 €

Customer credit (2021) ?
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

35 j

Supplier credit (2021) ?
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

17 j

Inventory turnover (2021) ?
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

3 j

WCR in days of revenue (2021) ?
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

78 j

WCR and payment terms evolution
SOCIETE EUROPEENNE FINANCEMENT LOCATION

Positioning of SOCIETE EUROPEENNE FINANCEMENT LOCATION in its sector

Comparison with sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Valuation estimate

Based on 103 transactions of similar company sales (all years), the value of SOCIETE EUROPEENNE FINANCEMENT LOCATION is estimated at 3 537 633 € (range 1 707 088€ - 8 751 690€). With an EBITDA of 932 913€, the sector multiple of 2.5x is applied. The price/revenue ratio is 0.30x (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 2021
103 transactions
1707k€ 3537k€ 8751k€
3 537 633 € Range: 1 707 088€ - 8 751 690€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
932 913 € × 2.5x
Estimation 2 377 281 €
1 058 620€ - 4 674 381€
Revenue Multiple 30%
20 933 036 € × 0.30x
Estimation 6 384 347 €
3 396 362€ - 17 665 290€
Net Income Multiple 20%
648 015 € × 3.3x
Estimation 2 168 444 €
794 349€ - 5 574 564€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 103 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 (Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.)

Compare SOCIETE EUROPEENNE FINANCEMENT LOCATION with other companies in the same sector:

Voir toutes les statistiques du secteur Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Frequently asked questions about SOCIETE EUROPEENNE FINANCEMENT LOCATION

What is the revenue of SOCIETE EUROPEENNE FINANCEMENT LOCATION ?

The revenue of SOCIETE EUROPEENNE FINANCEMENT LOCATION in 2021 is 20.9 M€.

Is SOCIETE EUROPEENNE FINANCEMENT LOCATION profitable?

Yes, SOCIETE EUROPEENNE FINANCEMENT LOCATION generated a net profit of 648 k€ in 2021.

Where is the headquarters of SOCIETE EUROPEENNE FINANCEMENT LOCATION ?

The headquarters of SOCIETE EUROPEENNE FINANCEMENT LOCATION is located in AIX-EN-PROVENCE (13290), in the department Bouches-du-Rhone.

Where to find the tax return of SOCIETE EUROPEENNE FINANCEMENT LOCATION ?

The tax return of SOCIETE EUROPEENNE FINANCEMENT LOCATION 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 EUROPEENNE FINANCEMENT LOCATION operate?

SOCIETE EUROPEENNE FINANCEMENT LOCATION operates in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a. (NAF code 66.19B). See the 'Sector positioning' section above to compare the company with its competitors.