ST GENEST BEL AIR S A C : revenue, balance sheet and financial ratios

ST GENEST BEL AIR S A C is a French company founded 60 years ago, specialized in the sector Administration d'immeubles et autres biens immobiliers. Based in SAINT-ETIENNE (42000), this company of category PME shows in 2021 a revenue of 76 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 - ST GENEST BEL AIR S A C (SIREN 664500378)
Indicator 2021 2019 2018
Revenue 75 788 € 75 728 € N/C
Net income -3 070 € -800 € 1 121 €
EBITDA -4 € 3 267 € -63 368 €
Net margin -4.1% -1.1% N/C

Revenue and income statement

In 2021, ST GENEST BEL AIR S A C achieves revenue of 76 k€. Revenue is growing positively over 3 years (CAGR: +0.0%). Vs 2019: +0%. After deducting consumption (0 €), gross margin stands at 76 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 -4 €, representing -0.0% of revenue. Warning negative scissor effect: despite revenue change (+0%), EBITDA varies by -100%, reducing margin by 4.3 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -3 k€ (-4.1% of revenue), which will impact equity.

Revenue (2021) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

75 788 €

Gross margin (2021) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

75 788 €

EBITDA (2021) ?
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

-4 €

EBIT (2021) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-3 414 €

Net income (2021) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-3 070 €

EBITDA margin (2021) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-0.0%

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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 0%. 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 18%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 0.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2021) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.0%

Financial autonomy (2021) ?
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

18.128%

Cash flow / Revenue (2021) ?
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

0.446%

Repayment capacity (2021) ?
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

0.0

Asset age ratio (2021) ?
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

5.8%

Solvency indicators evolution
ST GENEST BEL AIR S A C

Sector positioning

Debt ratio
0.0 2021
2018
2019
2021
Q1: 0.0
Med: 10.91
Q3: 80.72
Excellent

In 2021, the debt ratio of ST GENEST BEL AIR S A C (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
18.13% 2021
2018
2019
2021
Q1: 3.74%
Med: 15.85%
Q3: 47.36%
Good

In 2021, the financial autonomy of ST GENEST BEL AIR S A C (18.1%) 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
0.0 years 2021
2018
2019
2021
Q1: 0.0 years
Med: 0.12 years
Q3: 3.59 years
Excellent

In 2021, the repayment capacity of ST GENEST BEL AIR S A C (0.00) 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 1507.12. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2021) ?
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

1507.119

Interest coverage (2021) ?
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

0.0

Liquidity indicators evolution
ST GENEST BEL AIR S A C

Sector positioning

Liquidity ratio
1507.12 2021
2018
2019
2021
Q1: 101.62
Med: 120.91
Q3: 389.23
Excellent

In 2021, the liquidity ratio of ST GENEST BEL AIR S A C (1507.12) 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
0.0x 2021
2018
2019
2021
Q1: 0.0x
Med: 0.0x
Q3: 3.57x
Average

In 2021, the interest coverage of ST GENEST BEL AIR S A C (0.0x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 16 days. Favorable situation: supplier credit is longer than customer credit by 16 days. Overall, WCR represents 2 days of revenue, i.e. 429 € to permanently finance.

Operating WCR (2021) ?
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

429 €

Customer credit (2021) ?
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 (2021) ?
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

16 j

Inventory turnover (2021) ?
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 (2021) ?
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

2 j

WCR and payment terms evolution
ST GENEST BEL AIR S A C

Positioning of ST GENEST BEL AIR S A C in its sector

Comparison with sector Administration d'immeubles et autres biens immobiliers

Valuation estimate

Based on 58 transactions of similar company sales in 2021, the value of ST GENEST BEL AIR S A C is estimated at 111 664 € (range 20 561€ - 123 066€). The price/revenue ratio is 1.47x (premium 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.

Estimated enterprise value 2021
58 tx
20k€ 111k€ 123k€
111 664 € Range: 20 561€ - 123 066€
NAF 5 année 2021

Valuation method used

Revenue Multiple
75 788 € × 1.47x = 111 664 €
Range: 20 561€ - 123 066€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 58 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 (Administration d'immeubles et autres biens immobiliers)

Compare ST GENEST BEL AIR S A C with other companies in the same sector:

Voir toutes les statistiques du secteur Administration d'immeubles et autres biens immobiliers

Frequently asked questions about ST GENEST BEL AIR S A C

What is the revenue of ST GENEST BEL AIR S A C ?

The revenue of ST GENEST BEL AIR S A C in 2021 is 76 k€.

Is ST GENEST BEL AIR S A C profitable?

ST GENEST BEL AIR S A C recorded a net loss in 2021.

Where is the headquarters of ST GENEST BEL AIR S A C ?

The headquarters of ST GENEST BEL AIR S A C is located in SAINT-ETIENNE (42000), in the department Loire.

Where to find the tax return of ST GENEST BEL AIR S A C ?

The tax return of ST GENEST BEL AIR S A C 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 ST GENEST BEL AIR S A C operate?

ST GENEST BEL AIR S A C operates in the sector Administration d'immeubles et autres biens immobiliers (NAF code 68.32A). See the 'Sector positioning' section above to compare the company with its competitors.