SIREN : 341252112
SV FINANCES is a French company founded 39 years ago, specialized in the sector Activités des sociétés holding. Based in NEUFCHATEAU (88300), this company of category PME shows in 2024 a revenue of 333 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 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 333 137 € | 327 882 € | 384 251 € | 407 606 € | 429 096 € | 6 733 664 € | 6 372 217 € | 6 207 579 € | 5 274 523 € | 4 957 183 € |
| Net income | 754 559 € | 220 009 € | 410 750 € | 286 261 € | 330 337 € | 119 407 € | 223 819 € | 152 741 € | 175 073 € | 127 436 € |
| EBITDA | -65 450 € | -54 059 € | -15 768 € | -8 335 € | 95 723 € | 120 251 € | 57 954 € | 100 108 € | 31 590 € | 47 908 € |
| Net margin | 226.5% | 67.1% | 106.9% | 70.2% | 77.0% | 1.8% | 3.5% | 2.5% | 3.3% | 2.6% |
In 2024, SV FINANCES achieves revenue of 333 k€. Revenue is declining over the period 2015-2024 (CAGR: -25.9%). Vs 2023: +2%. After deducting consumption (0 €), gross margin stands at 333 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 -65 k€, representing -19.6% of revenue. Warning negative scissor effect: despite revenue change (+2%), EBITDA varies by -21%, reducing margin by 3.2 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 755 k€, i.e. 226.5% of revenue. This profit can be retained or distributed to shareholders.
333 137 €
333 137 €
-65 450 €
39 042 €
754 559 €
-19.6%
The debt ratio (= Financial debt / Equity x 100) stands at 84%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 50%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
83.966%
49.927%
-32.518%
-16.019
93.4%
In 2024, the debt ratio of SV FINANCES (83.97) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of SV FINANCES (49.9%) 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 2024, the repayment capacity of SV FINANCES (-16.02) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 497.09. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
497.091
-10.526
In 2024, the liquidity ratio of SV FINANCES (497.09) 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 2024, the interest coverage of SV FINANCES (-10.5x) 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) 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: 36 days. Excellent situation: suppliers finance 36 days of the operating cycle (retail model). Overall, WCR represents 283 days of revenue, i.e. 262 k€ to permanently finance. Notable WCR improvement over the period (-89%), freeing up cash.
261 792 €
0 j
36 j
0 j
283 j
Based on 54 transactions of similar company sales
in 2024,
the value of SV FINANCES is estimated at
558 335 €
(range 354 254€ - 2 394 063€).
The price/revenue ratio is 0.59x
(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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 54 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 SV FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of SV FINANCES in 2024 is 333 k€.
Yes, SV FINANCES generated a net profit of 755 k€ in 2024.
The headquarters of SV FINANCES is located in NEUFCHATEAU (88300), in the department Vosges.
The tax return of SV FINANCES 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).
SV FINANCES 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.