SOCIETE FINANCIERE ATLANTIC : revenue, balance sheet and financial ratios

SOCIETE FINANCIERE ATLANTIC is a French company founded 65 years ago, specialized in the sector Activités des sièges sociaux. Based in SAINT-NAZAIRE (44600), this company of category ETI shows in 2024 a revenue of 5.0 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 FINANCIERE ATLANTIC (SIREN 006180301)
Indicator 2024 2023 2021 2020 2019 2018 2017 2016
Revenue 4 957 882 € 4 874 095 € 4 849 518 € 4 411 616 € 3 463 217 € 2 731 930 € 4 067 503 € 3 724 524 €
Net income 3 444 670 € -4 256 035 € 12 423 455 € 4 361 327 € 5 601 100 € 8 201 234 € 6 950 293 € 4 744 665 €
EBITDA -2 894 237 € -1 717 505 € -759 758 € 516 596 € 70 706 € -550 124 € 852 001 € 1 013 231 €
Net margin 69.5% -87.3% 256.2% 98.9% 161.7% 300.2% 170.9% 127.4%

Revenue and income statement

In 2024, SOCIETE FINANCIERE ATLANTIC achieves revenue of 5.0 M€. Revenue is growing positively over 8 years (CAGR: +3.6%). Vs 2023: +2%. After deducting consumption (0 €), gross margin stands at 5.0 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 -2.9 M€, representing -58.4% of revenue. Warning negative scissor effect: despite revenue change (+2%), EBITDA varies by -69%, reducing margin by 23.1 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 3.4 M€, i.e. 69.5% of revenue. This profit can be retained or distributed to shareholders.

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

4 957 882 €

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

4 957 882 €

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

-2 894 237 €

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

-1 850 558 €

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

3 444 670 €

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

-58.4%

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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 63%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 60%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2.9 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 226.8% 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 (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

62.641%

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

59.895%

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

226.775%

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

2.884

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

25.1%

Solvency indicators evolution
SOCIETE FINANCIERE ATLANTIC

Sector positioning

Debt ratio
62.64 2024
2021
2023
2024
Q1: 0.06
Med: 14.64
Q3: 89.5
Average +14 pts over 3 years

In 2024, the debt ratio of SOCIETE FINANCIERE ATLANTIC (62.64) 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
59.9% 2024
2021
2023
2024
Q1: 11.6%
Med: 51.97%
Q3: 85.23%
Good -11 pts over 3 years

In 2024, the financial autonomy of SOCIETE FINANCIERE ATLANTIC (59.9%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
2.88 years 2024
2021
2023
2024
Q1: 0.0 years
Med: 0.21 years
Q3: 3.74 years
Average

In 2024, the repayment capacity of SOCIETE FINANCIERE ATLANTIC (2.88) 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 934.94. 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

934.936

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

-284.309

Liquidity indicators evolution
SOCIETE FINANCIERE ATLANTIC

Sector positioning

Liquidity ratio
934.94 2024
2021
2023
2024
Q1: 116.82
Med: 458.52
Q3: 2178.3
Good -18 pts over 3 years

In 2024, the liquidity ratio of SOCIETE FINANCIERE ATLANTIC (934.94) 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
-284.31x 2024
2021
2023
2024
Q1: -45.38x
Med: 0.0x
Q3: 2.89x
Average

In 2024, the interest coverage of SOCIETE FINANCIERE ATLANTIC (-284.3x) 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: 48 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 48 days. Overall, WCR represents 4248 days of revenue, i.e. 58.5 M€ to permanently finance. Over 2016-2024, WCR increased by +152%, requiring additional financing.

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

58 505 487 €

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

48 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

48 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

0 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

4248 j

WCR and payment terms evolution
SOCIETE FINANCIERE ATLANTIC

Positioning of SOCIETE FINANCIERE ATLANTIC in its sector

Comparison with sector Activités des sièges sociaux

Valuation estimate

Based on 103 transactions of similar company sales in 2024, the value of SOCIETE FINANCIERE ATLANTIC is estimated at 14 223 969 € (range 5 033 688€ - 37 544 666€). The price/revenue ratio is 0.38x (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 2024
103 transactions
5033k€ 14223k€ 37544k€
14 223 969 € Range: 5 033 688€ - 37 544 666€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
4 957 882 € × 0.38x
Estimation 1 872 186 €
892 339€ - 3 781 168€
Net Income Multiple 20%
3 444 670 € × 9.5x
Estimation 32 751 644 €
11 245 712€ - 88 189 916€

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 (Activités des sièges sociaux)

Compare SOCIETE FINANCIERE ATLANTIC with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sièges sociaux

Frequently asked questions about SOCIETE FINANCIERE ATLANTIC

What is the revenue of SOCIETE FINANCIERE ATLANTIC ?

The revenue of SOCIETE FINANCIERE ATLANTIC in 2024 is 5.0 M€.

Is SOCIETE FINANCIERE ATLANTIC profitable?

Yes, SOCIETE FINANCIERE ATLANTIC generated a net profit of 3.4 M€ in 2024.

Where is the headquarters of SOCIETE FINANCIERE ATLANTIC ?

The headquarters of SOCIETE FINANCIERE ATLANTIC is located in SAINT-NAZAIRE (44600), in the department Loire-Atlantique.

Where to find the tax return of SOCIETE FINANCIERE ATLANTIC ?

The tax return of SOCIETE FINANCIERE ATLANTIC 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 FINANCIERE ATLANTIC operate?

SOCIETE FINANCIERE ATLANTIC operates in the sector Activités des sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.