SOCIETE FINOISE : revenue, balance sheet and financial ratios

SOCIETE FINOISE is a French company founded 41 years ago, specialized in the sector Entretien et réparation de véhicules automobiles légers. Based in FAIN-LES-MONTBARD (21500), this company of category PME shows in 2025 a revenue of 4.8 M€. 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 FINOISE (SIREN 329979371)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 4 785 781 € 4 590 209 € 4 945 749 € 5 198 296 € 4 400 010 € N/C N/C N/C 3 170 187 € 3 089 170 €
Net income 419 863 € 363 698 € 385 055 € 411 882 € 226 865 € 252 850 € 192 227 € 147 524 € 146 226 € 130 001 €
EBITDA 558 174 € 561 376 € 617 215 € 613 584 € 395 695 € N/C N/C N/C 258 070 € 233 178 €
Net margin 8.8% 7.9% 7.8% 7.9% 5.2% N/C N/C N/C 4.6% 4.2%

Revenue and income statement

In 2025, SOCIETE FINOISE achieves revenue of 4.8 M€. Revenue is growing positively over 10 years (CAGR: +5.0%). Vs 2024: +4%. After deducting consumption (3.5 M€), gross margin stands at 1.3 M€, i.e. a rate of 28%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 558 k€, representing 11.7% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 420 k€, i.e. 8.8% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

4 785 781 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

1 329 436 €

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

558 174 €

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

442 792 €

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

419 863 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

11.7%

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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 20%. 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 76%. 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 1.4 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 8.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

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

20.111%

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

75.96%

Cash flow / Revenue (2025) ?
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

8.684%

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

1.365

Asset age ratio (2025) ?
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

32.2%

Solvency indicators evolution
SOCIETE FINOISE

Sector positioning

Debt ratio
20.11 2025
2023
2024
2025
Q1: 6.43
Med: 21.42
Q3: 57.29
Good

In 2025, the debt ratio of SOCIETE FINOISE (20.11) 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
75.96% 2025
2023
2024
2025
Q1: 33.91%
Med: 53.94%
Q3: 68.26%
Excellent

In 2025, the financial autonomy of SOCIETE FINOISE (76.0%) 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
1.36 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 0.63 years
Q3: 1.94 years
Average +5 pts over 3 years

In 2025, the repayment capacity of SOCIETE FINOISE (1.36) 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 919.92. 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 5.1x. Operating income very largely covers interest expenses: high safety margin.

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

919.923

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

5.079

Liquidity indicators evolution
SOCIETE FINOISE

Sector positioning

Liquidity ratio
919.92 2025
2023
2024
2025
Q1: 169.01
Med: 249.5
Q3: 362.3
Excellent

In 2025, the liquidity ratio of SOCIETE FINOISE (919.92) 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
5.08x 2025
2023
2024
2025
Q1: 0.0x
Med: 1.25x
Q3: 5.56x
Good

In 2025, the interest coverage of SOCIETE FINOISE (5.1x) 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: 20 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 18 days. The company must finance 2 days of gap between collections and payments. Inventory turnover is 53 days (= Average inventory / Cost of goods x 360). Overall, WCR represents 66 days of revenue, i.e. 882 k€ to permanently finance. Over 2016-2025, WCR increased by +42%, requiring additional financing.

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

882 067 €

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

20 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

18 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

53 j

WCR in days of revenue (2025) ?
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

66 j

WCR and payment terms evolution
SOCIETE FINOISE

Positioning of SOCIETE FINOISE in its sector

Comparison with sector Entretien et réparation de véhicules automobiles légers

Valuation estimate

Based on 131 transactions of similar company sales in 2025, the value of SOCIETE FINOISE is estimated at 1 836 999 € (range 1 054 383€ - 3 784 789€). With an EBITDA of 558 174€, the sector multiple of 3.0x is applied. The price/revenue ratio is 0.50x (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 2025
131 transactions
1054k€ 1836k€ 3784k€
1 836 999 € Range: 1 054 383€ - 3 784 789€
NAF 5 année 2025

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
558 174 € × 3.0x
Estimation 1 654 091 €
755 635€ - 3 545 299€
Revenue Multiple 30%
4 785 781 € × 0.50x
Estimation 2 401 086 €
1 609 454€ - 4 924 873€
Net Income Multiple 20%
419 863 € × 3.4x
Estimation 1 448 140 €
968 651€ - 2 673 391€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 131 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 (Entretien et réparation de véhicules automobiles légers)

Compare SOCIETE FINOISE with other companies in the same sector:

Voir toutes les statistiques du secteur Entretien et réparation de véhicules automobiles légers

Frequently asked questions about SOCIETE FINOISE

What is the revenue of SOCIETE FINOISE ?

The revenue of SOCIETE FINOISE in 2025 is 4.8 M€.

Is SOCIETE FINOISE profitable?

Yes, SOCIETE FINOISE generated a net profit of 420 k€ in 2025.

Where is the headquarters of SOCIETE FINOISE ?

The headquarters of SOCIETE FINOISE is located in FAIN-LES-MONTBARD (21500), in the department Cote-d'Or.

Where to find the tax return of SOCIETE FINOISE ?

The tax return of SOCIETE FINOISE 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 FINOISE operate?

SOCIETE FINOISE operates in the sector Entretien et réparation de véhicules automobiles légers (NAF code 45.20A). See the 'Sector positioning' section above to compare the company with its competitors.