SOCIETE FINANCIERE DU CENTRE : revenue, balance sheet and financial ratios

SOCIETE FINANCIERE DU CENTRE is a French company founded 62 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in ANNEMASSE (74100), this company of category PME shows in 2018 a revenue of 436 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - SOCIETE FINANCIERE DU CENTRE (SIREN 796480143)
Indicator 2018 2016
Revenue 436 167 € 406 793 €
Net income -53 186 € -83 097 €
EBITDA 240 371 € 214 658 €
Net margin -12.2% -20.4%

Revenue and income statement

In 2018, SOCIETE FINANCIERE DU CENTRE achieves revenue of 436 k€. Vs 2016: +7%. After deducting consumption (0 €), gross margin stands at 436 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 240 k€, representing 55.1% of revenue. Positive scissor effect: EBITDA margin improves by +2.3 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Net income is negative at -53 k€ (-12.2% of revenue), which will impact equity.

Revenue (2018) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

436 167 €

Gross margin (2018) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

436 167 €

EBITDA (2018) ?
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

240 371 €

EBIT (2018) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-60 254 €

Net income (2018) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-53 186 €

EBITDA margin (2018) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

55.1%

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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 9%. 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 90%. 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 1.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 58.8% 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 (2018) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

8.508%

Financial autonomy (2018) ?
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

90.436%

Cash flow / Revenue (2018) ?
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

58.763%

Repayment capacity (2018) ?
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

0.982

Asset age ratio (2018) ?
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

30.2%

Solvency indicators evolution
SOCIETE FINANCIERE DU CENTRE

Sector positioning

Debt ratio
8.51 2018
2016
2018
Q1: 0.0
Med: 13.96
Q3: 156.7
Good +14 pts over 2 years

In 2018, the debt ratio of SOCIETE FINANCIERE DU CENTRE (8.51) 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
90.44% 2018
2016
2018
Q1: 3.47%
Med: 39.66%
Q3: 79.19%
Excellent

In 2018, the financial autonomy of SOCIETE FINANCIERE DU CENTRE (90.4%) 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
0.98 years 2018
2016
2018
Q1: 0.0 years
Med: 0.5 years
Q3: 8.02 years
Average +19 pts over 2 years

In 2018, the repayment capacity of SOCIETE FINANCIERE DU CENTRE (0.98) 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 564.03. 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 17.6x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2018) ?
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

564.034

Interest coverage (2018) ?
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

17.603

Liquidity indicators evolution
SOCIETE FINANCIERE DU CENTRE

Sector positioning

Liquidity ratio
564.03 2018
2016
2018
Q1: 74.11
Med: 236.58
Q3: 909.6
Good -13 pts over 2 years

In 2018, the liquidity ratio of SOCIETE FINANCIERE DU CENTRE (564.03) 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
17.6x 2018
2016
2018
Q1: 0.0x
Med: 0.03x
Q3: 14.62x
Excellent +24 pts over 2 years

In 2018, the interest coverage of SOCIETE FINANCIERE DU CENTRE (17.6x) 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: 49 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 92 days. Excellent situation: suppliers finance 43 days of the operating cycle (retail model). Overall, WCR represents 24 days of revenue, i.e. 29 k€ to permanently finance.

Operating WCR (2018) ?
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

29 249 €

Customer credit (2018) ?
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

49 j

Supplier credit (2018) ?
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

92 j

Inventory turnover (2018) ?
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 (2018) ?
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

24 j

WCR and payment terms evolution
SOCIETE FINANCIERE DU CENTRE

Positioning of SOCIETE FINANCIERE DU CENTRE in its sector

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

Valuation estimate

Based on 184 transactions of similar company sales in 2018, the value of SOCIETE FINANCIERE DU CENTRE is estimated at 743 697 € (range 264 217€ - 1 456 609€). With an EBITDA of 240 371€, the sector multiple of 4.3x is applied. The price/revenue ratio is 0.55x (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 2018
184 transactions
264k€ 743k€ 1456k€
743 697 € Range: 264 217€ - 1 456 609€
NAF 5 année 2018

Valuation detail by method

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EBITDA Multiple 50%
240 371 € × 4.3x
Estimation 1 044 981 €
354 443€ - 1 863 093€
Revenue Multiple 30%
436 167 € × 0.55x
Estimation 241 559 €
113 842€ - 779 135€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 184 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 (Location de terrains et d'autres biens immobiliers)

Compare SOCIETE FINANCIERE DU CENTRE 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 DU CENTRE

What is the revenue of SOCIETE FINANCIERE DU CENTRE ?

The revenue of SOCIETE FINANCIERE DU CENTRE in 2018 is 436 k€.

Is SOCIETE FINANCIERE DU CENTRE profitable?

SOCIETE FINANCIERE DU CENTRE recorded a net loss in 2018.

Where is the headquarters of SOCIETE FINANCIERE DU CENTRE ?

The headquarters of SOCIETE FINANCIERE DU CENTRE is located in ANNEMASSE (74100), in the department Haute-Savoie.

Where to find the tax return of SOCIETE FINANCIERE DU CENTRE ?

The tax return of SOCIETE FINANCIERE DU CENTRE 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 DU CENTRE operate?

SOCIETE FINANCIERE DU CENTRE 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.