SOCIETE FINANCIERE DU MONT CINDRE : revenue, balance sheet and financial ratios

In 2025, SOCIETE FINANCIERE DU MONT CINDRE achieves revenue of 387 k€. Revenue is growing positively over 6 years (CAGR: +2.3%). Significant drop of -18% vs 2024. After deducting consumption (0 €), gross margin stands at 387 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 -3 k€, representing -0.7% of revenue. Warning negative scissor effect: despite revenue change (-18%), EBITDA varies by -103%, reducing margin by 19.7 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 111 k€, i.e. 28.7% of revenue. This profit can be retained or distributed to shareholders.

The debt ratio (= Financial debt / Equity x 100) stands at 3%. 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 95%. 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 3.3 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 28.7% 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 2173.11. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 134 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 88 days. The gap of 46 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. WCR is negative (-50 days): operations structurally generate cash. Notable WCR improvement over the period (-103%), freeing up cash.

Indicative estimate only : the number of comparable transactions in this sector is limited (40 transactions). This range of 88 672€ to 753 302€ is provided for information purposes only and requires in-depth analysis to be confirmed.