SOCIETE FINANCIERE DES PAYS DE RETZ : revenue, balance sheet and financial ratios

SOCIETE FINANCIERE DES PAYS DE RETZ is a French company founded 38 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in SAINTE-PAZANNE (44680), this company of category PME shows in 2023 a revenue of 4 k€. 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 FINANCIERE DES PAYS DE RETZ (SIREN 343581724)
Indicator 2025 2024 2023 2022 2021 2020 2019 2017
Revenue N/C N/C 4 000 € 212 000 € 203 400 € 186 000 € 171 600 € 141 800 €
Net income -42 863 € -49 332 € 4 015 480 € 263 118 € 191 696 € 260 696 € 208 921 € -48 230 €
EBITDA -59 142 € -56 619 € -125 489 € -5 829 € -12 345 € -13 196 € -17 173 € -62 140 €
Net margin N/C N/C 100387.0% 124.1% 94.2% 140.2% 121.7% -34.0%

Revenue and income statement

In 2025, SOCIETE FINANCIERE DES PAYS DE RETZ records a net loss of 43 k€. This deficit will reduce equity on the balance sheet.

EBITDA (2025) ?
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

-59 142 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-59 135 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-42 863 €

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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 1%. 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 98%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

1.304%

Financial autonomy (2025) ?
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

98.326%

Repayment capacity (2025) ?
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

-3.273

Solvency indicators evolution
SOCIETE FINANCIERE DES PAYS DE RETZ

Sector positioning

Debt ratio
1.3 2025
2023
2024
2025
Q1: 0.0
Med: 8.6
Q3: 105.48
Good -15 pts over 3 years

In 2025, the debt ratio of SOCIETE FINANCIERE DES PA... (1.30) 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
98.33% 2025
2023
2024
2025
Q1: 4.5%
Med: 47.12%
Q3: 86.18%
Excellent

In 2025, the financial autonomy of SOCIETE FINANCIERE DES PA... (98.3%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
-3.27 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 1.02 years
Q3: 9.03 years
Excellent -10 pts over 3 years

In 2025, the repayment capacity of SOCIETE FINANCIERE DES PA... (-3.27) 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 22998.09. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
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

22998.094

Interest coverage (2025) ?
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

-33.399

Liquidity indicators evolution
SOCIETE FINANCIERE DES PAYS DE RETZ

Sector positioning

Liquidity ratio
22998.09 2025
2023
2024
2025
Q1: 94.89
Med: 385.78
Q3: 1921.45
Excellent

In 2025, the liquidity ratio of SOCIETE FINANCIERE DES PA... (22998.09) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
-33.4x 2025
2023
2024
2025
Q1: -0.08x
Med: 0.0x
Q3: 12.13x
Average

In 2025, the interest coverage of SOCIETE FINANCIERE DES PA... (-33.4x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 70 days. Excellent situation: suppliers finance 70 days of the operating cycle (retail model).

Operating WCR (2025) ?
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

0 €

Customer credit (2025) ?
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

0 j

Supplier credit (2025) ?
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

70 j

Inventory turnover (2025) ?
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 and payment terms evolution
SOCIETE FINANCIERE DES PAYS DE RETZ

Positioning of SOCIETE FINANCIERE DES PAYS DE RETZ in its sector

Comparison with sector Location de terrains et d'autres biens immobiliers

Similar companies (Location de terrains et d'autres biens immobiliers)

Compare SOCIETE FINANCIERE DES PAYS DE RETZ with other companies in the same sector:

Voir toutes les statistiques du secteur Location de terrains et d'autres biens immobiliers

Frequently asked questions about SOCIETE FINANCIERE DES PAYS DE RETZ

What is the revenue of SOCIETE FINANCIERE DES PAYS DE RETZ ?

The revenue of SOCIETE FINANCIERE DES PAYS DE RETZ in 2023 is 4 k€.

Is SOCIETE FINANCIERE DES PAYS DE RETZ profitable?

SOCIETE FINANCIERE DES PAYS DE RETZ recorded a net loss in 2025.

Where is the headquarters of SOCIETE FINANCIERE DES PAYS DE RETZ ?

The headquarters of SOCIETE FINANCIERE DES PAYS DE RETZ is located in SAINTE-PAZANNE (44680), in the department Loire-Atlantique.

Where to find the tax return of SOCIETE FINANCIERE DES PAYS DE RETZ ?

The tax return of SOCIETE FINANCIERE DES PAYS DE RETZ 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 DES PAYS DE RETZ operate?

SOCIETE FINANCIERE DES PAYS DE RETZ operates in the sector Location de terrains et d'autres biens immobiliers (NAF code 68.20B). See the 'Sector positioning' section above to compare the company with its competitors.