SVM SOCIETE DE VOYAGES MALOUINS : revenue, balance sheet and financial ratios

SVM SOCIETE DE VOYAGES MALOUINS is a French company founded 19 years ago, specialized in the sector Activités des agences de voyage. Based in SAINT-MALO (35400), this company of category PME shows in 2024 a revenue of 4.2 M€. 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 - SVM SOCIETE DE VOYAGES MALOUINS (SIREN 497531350)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 4 235 556 € 2 534 722 € 2 176 899 € 638 442 € 1 265 193 € 2 811 227 € 2 414 129 € 2 764 643 € 2 300 343 €
Net income 413 006 € 178 215 € 69 517 € -28 091 € -456 818 € 26 115 € 47 275 € 58 208 € 42 684 €
EBITDA 531 658 € 113 964 € 23 606 € -13 713 € -416 453 € 30 917 € 9 824 € 81 788 € 12 673 €
Net margin 9.8% 7.0% 3.2% -4.4% -36.1% 0.9% 2.0% 2.1% 1.9%

Revenue and income statement

In 2024, SVM SOCIETE DE VOYAGES MALOUINS achieves revenue of 4.2 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +7.9%. Vs 2023, growth of +67% (2.5 M€ -> 4.2 M€). After deducting consumption (0 €), gross margin stands at 4.2 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 532 k€, representing 12.6% of revenue. Positive scissor effect: EBITDA margin improves by +8.1 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 413 k€, i.e. 9.8% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

4 235 556 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

4 235 556 €

EBITDA (2024) ?
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

531 658 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

439 840 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

413 006 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

12.6%

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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 66%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 19%. Low autonomy: the company heavily depends on external financing (banks, suppliers). 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 10.4% 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 (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

65.638%

Financial autonomy (2024) ?
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

19.083%

Cash flow / Revenue (2024) ?
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

10.45%

Repayment capacity (2024) ?
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

1.497

Asset age ratio (2024) ?
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

21.4%

Solvency indicators evolution
SVM SOCIETE DE VOYAGES MALOUINS

Sector positioning

Debt ratio
65.64 2024
2022
2023
2024
Q1: 0.17
Med: 12.86
Q3: 44.56
Average

In 2024, the debt ratio of SVM SOCIETE DE VOYAGES MA... (65.64) 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
19.08% 2024
2022
2023
2024
Q1: 8.13%
Med: 24.62%
Q3: 43.31%
Average +12 pts over 3 years

In 2024, the financial autonomy of SVM SOCIETE DE VOYAGES MA... (19.1%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
1.5 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.13 years
Q3: 1.21 years
Average

In 2024, the repayment capacity of SVM SOCIETE DE VOYAGES MA... (1.50) 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 102.97. 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 2.8x. Financial charges are adequately covered by operations.

Liquidity ratio (2024) ?
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

102.967

Interest coverage (2024) ?
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

2.761

Liquidity indicators evolution
SVM SOCIETE DE VOYAGES MALOUINS

Sector positioning

Liquidity ratio
102.97 2024
2022
2023
2024
Q1: 116.21
Med: 153.0
Q3: 274.48
Watch

In 2024, the liquidity ratio of SVM SOCIETE DE VOYAGES MA... (102.97) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
2.76x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.28x
Excellent +14 pts over 3 years

In 2024, the interest coverage of SVM SOCIETE DE VOYAGES MA... (2.8x) 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: 183 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 319 days. Excellent situation: suppliers finance 136 days of the operating cycle (retail model). Overall, WCR represents 126 days of revenue, i.e. 1.5 M€ to permanently finance. Over 2016-2024, WCR increased by +315%, requiring additional financing.

Operating WCR (2024) ?
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

1 476 769 €

Customer credit (2024) ?
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

183 j

Supplier credit (2024) ?
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

319 j

Inventory turnover (2024) ?
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 (2024) ?
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

126 j

WCR and payment terms evolution
SVM SOCIETE DE VOYAGES MALOUINS

Positioning of SVM SOCIETE DE VOYAGES MALOUINS in its sector

Comparison with sector Activités des agences de voyage

Valuation estimate

Based on 80 transactions of similar company sales (all years), the value of SVM SOCIETE DE VOYAGES MALOUINS is estimated at 1 031 781 € (range 541 245€ - 2 512 400€). With an EBITDA of 531 658€, the sector multiple of 1.6x is applied. The price/revenue ratio is 0.38x (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.

Estimated enterprise value 2024
80 tx
541k€ 1031k€ 2512k€
1 031 781 € Range: 541 245€ - 2 512 400€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
531 658 € × 1.6x
Estimation 862 624 €
339 282€ - 2 441 187€
Revenue Multiple 30%
4 235 556 € × 0.38x
Estimation 1 613 798 €
1 025 552€ - 2 386 209€
Net Income Multiple 20%
413 006 € × 1.4x
Estimation 581 649 €
319 693€ - 2 879 724€
How is this estimate calculated?

This estimate is based on the analysis of 80 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 agences de voyage)

Compare SVM SOCIETE DE VOYAGES MALOUINS with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agences de voyage

Frequently asked questions about SVM SOCIETE DE VOYAGES MALOUINS

What is the revenue of SVM SOCIETE DE VOYAGES MALOUINS ?

The revenue of SVM SOCIETE DE VOYAGES MALOUINS in 2024 is 4.2 M€.

Is SVM SOCIETE DE VOYAGES MALOUINS profitable?

Yes, SVM SOCIETE DE VOYAGES MALOUINS generated a net profit of 413 k€ in 2024.

Where is the headquarters of SVM SOCIETE DE VOYAGES MALOUINS ?

The headquarters of SVM SOCIETE DE VOYAGES MALOUINS is located in SAINT-MALO (35400), in the department Ille-et-Vilaine.

Where to find the tax return of SVM SOCIETE DE VOYAGES MALOUINS ?

The tax return of SVM SOCIETE DE VOYAGES MALOUINS 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 SVM SOCIETE DE VOYAGES MALOUINS operate?

SVM SOCIETE DE VOYAGES MALOUINS operates in the sector Activités des agences de voyage (NAF code 79.11Z). See the 'Sector positioning' section above to compare the company with its competitors.