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SOCIETE FINANCIERE SAINT JOSEPH : revenue, balance sheet and financial ratios

SOCIETE FINANCIERE SAINT JOSEPH is a French company founded 30 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in LYON (69006), this company of category PME shows in 2022 a revenue of 436 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

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

Financial history - SOCIETE FINANCIERE SAINT JOSEPH (SIREN 402524961)
Indicator 2022
Revenue 435 835 €
Net income 191 028 €
EBITDA 373 158 €
Net margin 43.8%

Revenue and income statement

In 2022, SOCIETE FINANCIERE SAINT JOSEPH achieves revenue of 436 k€. 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 373 k€, representing 85.6% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 191 k€, i.e. 43.8% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

435 835 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

435 835 €

EBITDA (2022) ?
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

373 158 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

254 429 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

191 028 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

85.6%

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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 232%. 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 28%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 71.5% 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 (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

232.187%

Financial autonomy (2022) ?
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

28.159%

Cash flow / Revenue (2022) ?
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

71.478%

Repayment capacity (2022) ?
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

2.586

Asset age ratio (2022) ?
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

42.3%

Solvency indicators evolution
SOCIETE FINANCIERE SAINT JOSEPH

Sector positioning

Debt ratio
232.19 2022
2022
Q1: -72.48
Med: 11.45
Q3: 180.83
Average

In 2022, the debt ratio of SOCIETE FINANCIERE SAINT ... (232.19) 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
28.16% 2022
2022
Q1: 1.96%
Med: 38.53%
Q3: 82.82%
Average

In 2022, the financial autonomy of SOCIETE FINANCIERE SAINT ... (28.2%) 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
2.59 years 2022
2022
Q1: -0.01 years
Med: 0.67 years
Q3: 10.41 years
Average

In 2022, the repayment capacity of SOCIETE FINANCIERE SAINT ... (2.59) 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 313.34. 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 1.4x. Coverage is limited: any activity downturn would jeopardize interest payments.

Liquidity ratio (2022) ?
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

313.343

Interest coverage (2022) ?
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

1.445

Liquidity indicators evolution
SOCIETE FINANCIERE SAINT JOSEPH

Sector positioning

Liquidity ratio
313.34 2022
2022
Q1: 88.23
Med: 269.82
Q3: 1093.34
Good

In 2022, the liquidity ratio of SOCIETE FINANCIERE SAINT ... (313.34) 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
1.45x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 13.79x
Good

In 2022, the interest coverage of SOCIETE FINANCIERE SAINT ... (1.4x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.

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: 11 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 591 days. Excellent situation: suppliers finance 580 days of the operating cycle (retail model). Overall, WCR represents 22 days of revenue, i.e. 27 k€ to permanently finance.

Operating WCR (2022) ?
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

27 017 €

Customer credit (2022) ?
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

11 j

Supplier credit (2022) ?
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

591 j

Inventory turnover (2022) ?
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 (2022) ?
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

22 j

WCR and payment terms evolution
SOCIETE FINANCIERE SAINT JOSEPH

Positioning of SOCIETE FINANCIERE SAINT JOSEPH in its sector

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

Valuation estimate

Based on 241 transactions of similar company sales in 2022, the value of SOCIETE FINANCIERE SAINT JOSEPH is estimated at 851 064 € (range 347 374€ - 1 946 406€). With an EBITDA of 373 158€, the sector multiple of 3.3x is applied. The price/revenue ratio is 0.68x (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 2022
241 transactions
347k€ 851k€ 1946k€
851 064 € Range: 347 374€ - 1 946 406€
NAF 5 année 2022

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
373 158 € × 3.3x
Estimation 1 220 397 €
499 734€ - 2 714 435€
Revenue Multiple 30%
435 835 € × 0.68x
Estimation 294 258 €
133 135€ - 838 668€
Net Income Multiple 20%
191 028 € × 4.0x
Estimation 762 943 €
287 833€ - 1 687 944€
How is this estimate calculated?

This estimate is based on the analysis of 241 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 SAINT JOSEPH 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 SAINT JOSEPH

What is the revenue of SOCIETE FINANCIERE SAINT JOSEPH ?

The revenue of SOCIETE FINANCIERE SAINT JOSEPH in 2022 is 436 k€.

Is SOCIETE FINANCIERE SAINT JOSEPH profitable?

Yes, SOCIETE FINANCIERE SAINT JOSEPH generated a net profit of 191 k€ in 2022.

Where is the headquarters of SOCIETE FINANCIERE SAINT JOSEPH ?

The headquarters of SOCIETE FINANCIERE SAINT JOSEPH is located in LYON (69006), in the department Rhone.

Where to find the tax return of SOCIETE FINANCIERE SAINT JOSEPH ?

The tax return of SOCIETE FINANCIERE SAINT JOSEPH 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 SAINT JOSEPH operate?

SOCIETE FINANCIERE SAINT JOSEPH 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.