SOCIETE FRANCAISE DE MAISONS INDIVIDUELLES SFMI : revenue, balance sheet and financial ratios

SOCIETE FRANCAISE DE MAISONS INDIVIDUELLES SFMI is a French company founded 37 years ago, specialized in the sector Construction de maisons individuelles. Based in VALENCE (26000), this company of category PME shows in 2020 a revenue of 58.4 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 FRANCAISE DE MAISONS INDIVIDUELLES SFMI (SIREN 350805396)
Indicator 2020 2019 2018 2017
Revenue 58 362 198 € 79 832 076 € 82 375 213 € 34 793 433 €
Net income -4 798 679 € -372 529 € 1 057 859 € 27 347 €
EBITDA -3 120 680 € 484 988 € 586 390 € -1 546 253 €
Net margin -8.2% -0.5% 1.3% 0.1%

Revenue and income statement

In 2020, SOCIETE FRANCAISE DE MAISONS INDIVIDUELLES SFMI achieves revenue of 58.4 M€. Over the period 2017-2020, the company shows strong growth with a CAGR (compound annual growth rate) of +18.8%. Significant drop of -27% vs 2019. After deducting consumption (18.2 M€), gross margin stands at 40.2 M€, i.e. a rate of 69%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -3.1 M€, representing -5.3% of revenue. Warning negative scissor effect: despite revenue change (-27%), EBITDA varies by -743%, reducing margin by 6.0 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -4.8 M€ (-8.2% of revenue), which will impact equity.

Revenue (2020) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

58 362 198 €

Gross margin (2020) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

40 193 064 €

EBITDA (2020) ?
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

-3 120 680 €

EBIT (2020) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-3 844 574 €

Net income (2020) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-4 798 679 €

EBITDA margin (2020) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-5.3%

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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 162%. 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 14%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2020) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

162.002%

Financial autonomy (2020) ?
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

14.114%

Cash flow / Revenue (2020) ?
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

-6.817%

Repayment capacity (2020) ?
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

-2.725

Asset age ratio (2020) ?
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

17.1%

Solvency indicators evolution
SOCIETE FRANCAISE DE MAISONS INDIVIDUELLES SFMI

Sector positioning

Debt ratio
162.0 2020
2018
2019
2020
Q1: 0.03
Med: 15.55
Q3: 82.83
Average +30 pts over 3 years

In 2020, the debt ratio of SOCIETE FRANCAISE DE MAIS... (162.00) 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
14.11% 2020
2018
2019
2020
Q1: 4.78%
Med: 22.87%
Q3: 43.9%
Average -17 pts over 3 years

In 2020, the financial autonomy of SOCIETE FRANCAISE DE MAIS... (14.1%) 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
-2.73 years 2020
2018
2019
2020
Q1: 0.0 years
Med: 0.0 years
Q3: 1.22 years
Excellent

In 2020, the repayment capacity of SOCIETE FRANCAISE DE MAIS... (-2.73) 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 169.53. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2020) ?
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

169.533

Interest coverage (2020) ?
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

-1.214

Liquidity indicators evolution
SOCIETE FRANCAISE DE MAISONS INDIVIDUELLES SFMI

Sector positioning

Liquidity ratio
169.53 2020
2018
2019
2020
Q1: 124.6
Med: 179.44
Q3: 279.2
Average +13 pts over 3 years

In 2020, the liquidity ratio of SOCIETE FRANCAISE DE MAIS... (169.53) 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
-1.21x 2020
2018
2019
2020
Q1: 0.0x
Med: 0.0x
Q3: 1.0x
Average -51 pts over 3 years

In 2020, the interest coverage of SOCIETE FRANCAISE DE MAIS... (-1.2x) 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: 110 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 107 days. The company must finance 3 days of gap between collections and payments. Inventory turnover is 32 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 151 days of revenue, i.e. 24.4 M€ to permanently finance. Over 2017-2020, WCR increased by +227%, requiring additional financing.

Operating WCR (2020) ?
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

24 422 829 €

Customer credit (2020) ?
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

110 j

Supplier credit (2020) ?
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

107 j

Inventory turnover (2020) ?
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

32 j

WCR in days of revenue (2020) ?
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

151 j

WCR and payment terms evolution
SOCIETE FRANCAISE DE MAISONS INDIVIDUELLES SFMI

Positioning of SOCIETE FRANCAISE DE MAISONS INDIVIDUELLES SFMI in its sector

Comparison with sector Construction de maisons individuelles

Valuation estimate

Based on 113 transactions of similar company sales (all years), the value of SOCIETE FRANCAISE DE MAISONS INDIVIDUELLES SFMI is estimated at 6 421 958 € (range 4 469 219€ - 25 179 345€). The price/revenue ratio is 0.11x (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 2020
113 transactions
4469k€ 6421k€ 25179k€
6 421 958 € Range: 4 469 219€ - 25 179 345€
NAF 5 all-time

Valuation method used

Revenue Multiple
58 362 198 € × 0.11x = 6 421 958 €
Range: 4 469 219€ - 25 179 346€

Only this financial indicator is available for this company.

How is this estimate calculated?

This estimate is based on the analysis of 113 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 (Construction de maisons individuelles)

Compare SOCIETE FRANCAISE DE MAISONS INDIVIDUELLES SFMI with other companies in the same sector:

Voir toutes les statistiques du secteur Construction de maisons individuelles

Frequently asked questions about SOCIETE FRANCAISE DE MAISONS INDIVIDUELLES SFMI

What is the revenue of SOCIETE FRANCAISE DE MAISONS INDIVIDUELLES SFMI ?

The revenue of SOCIETE FRANCAISE DE MAISONS INDIVIDUELLES SFMI in 2020 is 58.4 M€.

Is SOCIETE FRANCAISE DE MAISONS INDIVIDUELLES SFMI profitable?

SOCIETE FRANCAISE DE MAISONS INDIVIDUELLES SFMI recorded a net loss in 2020.

Where is the headquarters of SOCIETE FRANCAISE DE MAISONS INDIVIDUELLES SFMI ?

The headquarters of SOCIETE FRANCAISE DE MAISONS INDIVIDUELLES SFMI is located in VALENCE (26000), in the department Drome.

Where to find the tax return of SOCIETE FRANCAISE DE MAISONS INDIVIDUELLES SFMI ?

The tax return of SOCIETE FRANCAISE DE MAISONS INDIVIDUELLES SFMI 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 FRANCAISE DE MAISONS INDIVIDUELLES SFMI operate?

SOCIETE FRANCAISE DE MAISONS INDIVIDUELLES SFMI operates in the sector Construction de maisons individuelles (NAF code 41.20A). See the 'Sector positioning' section above to compare the company with its competitors.