SOCIETE FINANCIERE DUBOIS ANDRE : revenue, balance sheet and financial ratios

SOCIETE FINANCIERE DUBOIS ANDRE is a French company founded 37 years ago, specialized in the sector Services administratifs combinés de bureau. Based in BETHUNE (62400), this company of category ETI shows in 2024 a revenue of 8.2 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 FINANCIERE DUBOIS ANDRE (SIREN 349466672)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 8 238 156 € 6 929 358 € 6 497 605 € 5 566 712 € 4 379 040 € 4 277 305 € 4 031 535 € 3 974 517 € 3 153 579 €
Net income 3 229 397 € 2 434 533 € 1 589 423 € 1 307 941 € 721 513 € 790 592 € 78 292 € 155 483 € 61 612 €
EBITDA -5 671 191 € -4 271 797 € -3 872 530 € -3 464 015 € -3 085 000 € -2 811 610 € -2 621 693 € -2 810 415 € -3 493 707 €
Net margin 39.2% 35.1% 24.5% 23.5% 16.5% 18.5% 1.9% 3.9% 2.0%

Revenue and income statement

In 2024, SOCIETE FINANCIERE DUBOIS ANDRE achieves revenue of 8.2 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +12.8%. Vs 2023, growth of +19% (6.9 M€ -> 8.2 M€). After deducting consumption (-117 k€), gross margin stands at 8.4 M€, i.e. a rate of 101%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -5.7 M€, representing -68.8% of revenue. Warning negative scissor effect: despite revenue change (+19%), EBITDA varies by -33%, reducing margin by 7.2 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 3.2 M€, i.e. 39.2% 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

8 238 156 €

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

8 354 866 €

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

-5 671 191 €

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

251 387 €

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

3 229 397 €

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

-68.7%

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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 287%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 19%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

286.754%

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

19.45%

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

-32.769%

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

-11.835

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

67.6%

Solvency indicators evolution
SOCIETE FINANCIERE DUBOIS ANDRE

Sector positioning

Debt ratio
286.75 2024
2022
2023
2024
Q1: 0.0
Med: 11.23
Q3: 90.41
Average

In 2024, the debt ratio of SOCIETE FINANCIERE DUBOIS... (286.75) 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
19.45% 2024
2022
2023
2024
Q1: 5.18%
Med: 39.1%
Q3: 79.71%
Average

In 2024, the financial autonomy of SOCIETE FINANCIERE DUBOIS... (19.4%) 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
-11.84 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.02 years
Q3: 2.9 years
Excellent

In 2024, the repayment capacity of SOCIETE FINANCIERE DUBOIS... (-11.84) 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 190.68. 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

190.678

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

-32.025

Liquidity indicators evolution
SOCIETE FINANCIERE DUBOIS ANDRE

Sector positioning

Liquidity ratio
190.68 2024
2022
2023
2024
Q1: 104.39
Med: 336.39
Q3: 1728.48
Average -8 pts over 3 years

In 2024, the liquidity ratio of SOCIETE FINANCIERE DUBOIS... (190.68) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
-32.02x 2024
2022
2023
2024
Q1: -24.69x
Med: 0.0x
Q3: 0.2x
Average

In 2024, the interest coverage of SOCIETE FINANCIERE DUBOIS... (-32.0x) 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: 90 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 567 days. Excellent situation: suppliers finance 477 days of the operating cycle (retail model). Overall, WCR represents 1600 days of revenue, i.e. 36.6 M€ to permanently finance. Over 2016-2024, WCR increased by +132%, 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

36 622 558 €

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

90 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

567 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

1600 j

WCR and payment terms evolution
SOCIETE FINANCIERE DUBOIS ANDRE

Positioning of SOCIETE FINANCIERE DUBOIS ANDRE in its sector

Comparison with sector Services administratifs combinés de bureau

Valuation estimate

Based on 173 transactions of similar company sales (all years), the value of SOCIETE FINANCIERE DUBOIS ANDRE is estimated at 6 452 492 € (range 2 392 231€ - 16 604 489€). 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
173 transactions
2392k€ 6452k€ 16604k€
6 452 492 € Range: 2 392 231€ - 16 604 489€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
8 238 156 € × 0.38x
Estimation 3 166 731 €
1 325 992€ - 7 152 963€
Net Income Multiple 20%
3 229 397 € × 3.5x
Estimation 11 381 135 €
3 991 592€ - 30 781 779€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 173 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 (Services administratifs combinés de bureau)

Compare SOCIETE FINANCIERE DUBOIS ANDRE with other companies in the same sector:

Voir toutes les statistiques du secteur Services administratifs combinés de bureau

Frequently asked questions about SOCIETE FINANCIERE DUBOIS ANDRE

What is the revenue of SOCIETE FINANCIERE DUBOIS ANDRE ?

The revenue of SOCIETE FINANCIERE DUBOIS ANDRE in 2024 is 8.2 M€.

Is SOCIETE FINANCIERE DUBOIS ANDRE profitable?

Yes, SOCIETE FINANCIERE DUBOIS ANDRE generated a net profit of 3.2 M€ in 2024.

Where is the headquarters of SOCIETE FINANCIERE DUBOIS ANDRE ?

The headquarters of SOCIETE FINANCIERE DUBOIS ANDRE is located in BETHUNE (62400), in the department Pas-de-Calais.

Where to find the tax return of SOCIETE FINANCIERE DUBOIS ANDRE ?

The tax return of SOCIETE FINANCIERE DUBOIS ANDRE 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 DUBOIS ANDRE operate?

SOCIETE FINANCIERE DUBOIS ANDRE operates in the sector Services administratifs combinés de bureau (NAF code 82.11Z). See the 'Sector positioning' section above to compare the company with its competitors.