SOCIETE NANTAISE DE L'AUTOMOBILE - S.N.A : revenue, balance sheet and financial ratios

SOCIETE NANTAISE DE L'AUTOMOBILE - S.N.A is a French company founded 18 years ago, specialized in the sector Activités des sociétés holding. Based in SAINTE-LUCE-SUR-LOIRE (44980), this company of category PME shows in 2022 a revenue of 253 k€. 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 NANTAISE DE L'AUTOMOBILE - S.N.A (SIREN 500273248)
Indicator 2022 2021 2020 2019 2018 2017
Revenue 253 135 € 255 102 € 242 994 € 200 938 € 124 123 € 82 458 €
Net income 138 946 € 95 313 € 68 232 € 17 610 € 41 714 € 43 900 €
EBITDA 104 837 € 81 205 € 70 097 € -14 118 € 32 194 € 10 711 €
Net margin 54.9% 37.4% 28.1% 8.8% 33.6% 53.2%

Revenue and income statement

In 2022, SOCIETE NANTAISE DE L'AUTOMOBILE - S.N.A achieves revenue of 253 k€. Over the period 2017-2022, the company shows strong growth with a CAGR (compound annual growth rate) of +25.1%. Slight decline of -1% vs 2021. After deducting consumption (0 €), gross margin stands at 253 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 105 k€, representing 41.4% of revenue. Positive scissor effect: EBITDA margin improves by +9.6 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 139 k€, i.e. 54.9% 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

253 135 €

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

253 135 €

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

104 837 €

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

90 934 €

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

138 946 €

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

41.4%

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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 50%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 65%. 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 1.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 60.2% 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

50.464%

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

65.479%

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

60.221%

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

1.54

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

78.9%

Solvency indicators evolution
SOCIETE NANTAISE DE L'AUTOMOBILE - S.N.A

Sector positioning

Debt ratio
50.46 2022
2020
2021
2022
Q1: 0.1
Med: 13.78
Q3: 79.91
Average -11 pts over 3 years

In 2022, the debt ratio of SOCIETE NANTAISE DE L'AUT... (50.46) 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
65.48% 2022
2020
2021
2022
Q1: 21.11%
Med: 62.06%
Q3: 90.2%
Good +13 pts over 3 years

In 2022, the financial autonomy of SOCIETE NANTAISE DE L'AUT... (65.5%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
1.54 years 2022
2020
2021
2022
Q1: 0.0 years
Med: 0.1 years
Q3: 3.28 years
Average -11 pts over 3 years

In 2022, the repayment capacity of SOCIETE NANTAISE DE L'AUT... (1.54) 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 2008.39. 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 3.5x. Financial charges are adequately covered by operations.

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

2008.391

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

3.496

Liquidity indicators evolution
SOCIETE NANTAISE DE L'AUTOMOBILE - S.N.A

Sector positioning

Liquidity ratio
2008.39 2022
2020
2021
2022
Q1: 111.66
Med: 499.96
Q3: 2835.13
Good +34 pts over 3 years

In 2022, the liquidity ratio of SOCIETE NANTAISE DE L'AUT... (2008.39) 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
3.5x 2022
2020
2021
2022
Q1: -53.22x
Med: 0.0x
Q3: 0.0x
Excellent

In 2022, the interest coverage of SOCIETE NANTAISE DE L'AUT... (3.5x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.

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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 43 days. Excellent situation: suppliers finance 43 days of the operating cycle (retail model). Overall, WCR represents 95 days of revenue, i.e. 67 k€ to permanently finance. Over 2017-2022, WCR increased by +495%, requiring additional financing.

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

66 683 €

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

0 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

43 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

95 j

WCR and payment terms evolution
SOCIETE NANTAISE DE L'AUTOMOBILE - S.N.A

Positioning of SOCIETE NANTAISE DE L'AUTOMOBILE - S.N.A in its sector

Comparison with sector Activités des sociétés holding

Valuation estimate

Based on 70 transactions of similar company sales in 2022, the value of SOCIETE NANTAISE DE L'AUTOMOBILE - S.N.A is estimated at 280 654 € (range 120 196€ - 713 579€). With an EBITDA of 104 837€, the sector multiple of 2.4x is applied. The price/revenue ratio is 0.67x (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.
Medium reliability: estimate to be confirmed with in-depth analysis.

Estimated enterprise value 2022
70 tx
120k€ 280k€ 713k€
280 654 € Range: 120 196€ - 713 579€
NAF 5 année 2022

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
104 837 € × 2.4x
Estimation 253 687 €
132 112€ - 843 151€
Revenue Multiple 30%
253 135 € × 0.67x
Estimation 169 057 €
69 278€ - 275 522€
Net Income Multiple 20%
138 946 € × 3.7x
Estimation 515 469 €
166 783€ - 1 046 735€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 70 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 (Activités des sociétés holding)

Compare SOCIETE NANTAISE DE L'AUTOMOBILE - S.N.A with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sociétés holding

Frequently asked questions about SOCIETE NANTAISE DE L'AUTOMOBILE - S.N.A

What is the revenue of SOCIETE NANTAISE DE L'AUTOMOBILE - S.N.A ?

The revenue of SOCIETE NANTAISE DE L'AUTOMOBILE - S.N.A in 2022 is 253 k€.

Is SOCIETE NANTAISE DE L'AUTOMOBILE - S.N.A profitable?

Yes, SOCIETE NANTAISE DE L'AUTOMOBILE - S.N.A generated a net profit of 139 k€ in 2022.

Where is the headquarters of SOCIETE NANTAISE DE L'AUTOMOBILE - S.N.A ?

The headquarters of SOCIETE NANTAISE DE L'AUTOMOBILE - S.N.A is located in SAINTE-LUCE-SUR-LOIRE (44980), in the department Loire-Atlantique.

Where to find the tax return of SOCIETE NANTAISE DE L'AUTOMOBILE - S.N.A ?

The tax return of SOCIETE NANTAISE DE L'AUTOMOBILE - S.N.A 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 NANTAISE DE L'AUTOMOBILE - S.N.A operate?

SOCIETE NANTAISE DE L'AUTOMOBILE - S.N.A operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.