SIREN : 387711179
SPENCER FINANCIAL SERVICES is a French company founded 33 years ago, specialized in the sector Activités des sièges sociaux. Based in CHATOU (78400), this company of category PME shows in 2018 a revenue of 344 k€. 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
| Indicator | 2018 | 2017 | 2016 |
|---|---|---|---|
| Revenue | 343 558 € | 226 378 € | 299 902 € |
| Net income | 126 515 € | 355 666 € | -9 974 € |
| EBITDA | 145 919 € | 85 538 € | 141 434 € |
| Net margin | 36.8% | 157.1% | -3.3% |
In 2018, SPENCER FINANCIAL SERVICES achieves revenue of 344 k€. Over the period 2016-2018, the company shows strong growth with a CAGR (compound annual growth rate) of +7.0%. Vs 2017, growth of +52% (226 k€ -> 344 k€). After deducting consumption (0 €), gross margin stands at 344 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 146 k€, representing 42.5% of revenue. Positive scissor effect: EBITDA margin improves by +4.7 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 127 k€, i.e. 36.8% of revenue. This profit can be retained or distributed to shareholders.
343 558 €
343 558 €
145 919 €
135 804 €
126 515 €
42.5%
The debt ratio (= Financial debt / Equity x 100) stands at 3%. 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 62%. 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 0.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 36.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
2.899%
62.325%
36.859%
0.202
In 2018, the debt ratio of SPENCER FINANCIAL SERVICES (2.90) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2018, the financial autonomy of SPENCER FINANCIAL SERVICES (62.3%) 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.
In 2018, the repayment capacity of SPENCER FINANCIAL SERVICES (0.20) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
The liquidity ratio (= Current assets / Current liabilities) stands at 275.33. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
275.332
0.0
In 2018, the liquidity ratio of SPENCER FINANCIAL SERVICES (275.33) 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.
In 2018, the interest coverage of SPENCER FINANCIAL SERVICES (0.0x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 166 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 403 days. Excellent situation: suppliers finance 237 days of the operating cycle (retail model). Overall, WCR represents 827 days of revenue, i.e. 789 k€ to permanently finance. Over 2016-2018, WCR increased by +80%, requiring additional financing.
789 094 €
166 j
403 j
0 j
827 j
Based on 89 transactions of similar company sales
in 2018,
the value of SPENCER FINANCIAL SERVICES is estimated at
620 633 €
(range 268 815€ - 1 030 860€).
With an EBITDA of 145 919€, the sector multiple of 5.5x is applied.
The price/revenue ratio is 0.44x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 89 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare SPENCER FINANCIAL SERVICES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sièges sociaux
The revenue of SPENCER FINANCIAL SERVICES in 2018 is 344 k€.
Yes, SPENCER FINANCIAL SERVICES generated a net profit of 127 k€ in 2018.
The headquarters of SPENCER FINANCIAL SERVICES is located in CHATOU (78400), in the department Yvelines.
The tax return of SPENCER FINANCIAL SERVICES 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).
SPENCER FINANCIAL SERVICES operates in the sector Activités des sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.