SIREN : 348920281
SUD FINANCE is a French company founded 37 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in SETE (34200), this company of category ETI shows in 2025 a revenue of 894 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
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 893 941 € | 866 860 € | 892 900 € | 1 185 124 € | 1 104 272 € | 243 660 € | 214 644 € | 134 200 € |
| Net income | 153 487 € | 439 384 € | 477 523 € | 413 433 € | -307 995 € | -122 849 € | -186 577 € | -127 022 € |
| EBITDA | 527 555 € | 493 318 € | 20 571 € | 500 644 € | 572 001 € | 127 331 € | 30 709 € | 33 951 € |
| Net margin | 17.2% | 50.7% | 53.5% | 34.9% | -27.9% | -50.4% | -86.9% | -94.7% |
In 2025, SUD FINANCE achieves revenue of 894 k€. Over the period 2018-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +31.1%. Vs 2024: +3%. After deducting consumption (3 k€), gross margin stands at 891 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 528 k€, representing 59.0% of revenue. Positive scissor effect: EBITDA margin improves by +2.1 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 153 k€, i.e. 17.2% of revenue. This profit can be retained or distributed to shareholders.
893 941 €
890 889 €
527 555 €
213 523 €
153 487 €
59.0%
The debt ratio (= Financial debt / Equity x 100) stands at 11092%. 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 1%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 21.7 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 82.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
11091.863%
0.883%
82.521%
21.692
63.7%
In 2025, the debt ratio of SUD FINANCE (11091.86) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2025, the financial autonomy of SUD FINANCE (0.9%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2025, the repayment capacity of SUD FINANCE (21.69) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 1817.78. 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 41.2x. Operating income very largely covers interest expenses: high safety margin.
1817.778
41.154
In 2025, the liquidity ratio of SUD FINANCE (1817.78) 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.
In 2025, the interest coverage of SUD FINANCE (41.1x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 34 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 212 days. Excellent situation: suppliers finance 178 days of the operating cycle (retail model). Overall, WCR represents 41 days of revenue, i.e. 101 k€ to permanently finance. Notable WCR improvement over the period (-89%), freeing up cash.
101 105 €
34 j
212 j
0 j
41 j
Based on 117 transactions of similar company sales in 2025, the value of SUD FINANCE is estimated at 1 095 505 € (range 616 608€ - 2 977 785€). With an EBITDA of 527 555€, the sector multiple of 2.7x is applied. The price/revenue ratio is 0.92x (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.
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This estimate is based on the analysis of 117 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 SUD FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Location de terrains et d'autres biens immobiliers
The revenue of SUD FINANCE in 2025 is 894 k€.
Yes, SUD FINANCE generated a net profit of 153 k€ in 2025.
The headquarters of SUD FINANCE is located in SETE (34200), in the department Herault.
The tax return of SUD FINANCE 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).
SUD FINANCE operates in the sector Location de terrains et d'autres biens immobiliers (NAF code 68.20B). See the 'Sector positioning' section above to compare the company with its competitors.