A G I F ALPES GESTION IMMOBILIERE FORMATION : revenue, balance sheet and financial ratios

A G I F ALPES GESTION IMMOBILIERE FORMATION is a French company founded 38 years ago, specialized in the sector Location de logements. Based in MANOSQUE (04100), this company of category PME shows in 2018 a revenue of 93 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

Financial history - A G I F ALPES GESTION IMMOBILIERE FORMATION (SIREN 344684089)
Indicator 2018 2017 2016 2015
Revenue 93 273 € 92 983 € 92 643 € 86 036 €
Net income -16 742 € 6 564 € 13 492 € 5 914 €
EBITDA 47 512 € 47 752 € 53 298 € 47 586 €
Net margin -17.9% 7.1% 14.6% 6.9%

Revenue and income statement

In 2018, A G I F ALPES GESTION IMMOBILIERE FORMATION achieves revenue of 93 k€. Revenue is growing positively over 4 years (CAGR: +2.7%). Vs 2017: +0%. After deducting consumption (0 €), gross margin stands at 93 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 48 k€, representing 50.9% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Net income is negative at -17 k€ (-17.9% of revenue), which will impact equity.

Revenue (2018) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

93 273 €

Gross margin (2018) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

93 273 €

EBITDA (2018) ?
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

47 512 €

EBIT (2018) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

15 554 €

Net income (2018) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-16 742 €

EBITDA margin (2018) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

50.9%

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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 5%. 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 86%. 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 1.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 16.3% 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 (2018) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

4.867%

Financial autonomy (2018) ?
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

86.314%

Cash flow / Revenue (2018) ?
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

16.313%

Repayment capacity (2018) ?
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

1.34

Asset age ratio (2018) ?
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

15.1%

Solvency indicators evolution
A G I F ALPES GESTION IMMOBILIERE FORMATION

Sector positioning

Debt ratio
4.87 2018
2016
2017
2018
Q1: -256.33
Med: 0.0
Q3: 122.22
Average

In 2018, the debt ratio of A G I F ALPES GESTION IMM... (4.87) 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
86.31% 2018
2016
2017
2018
Q1: 0.4%
Med: 44.26%
Q3: 98.8%
Good +6 pts over 3 years

In 2018, the financial autonomy of A G I F ALPES GESTION IMM... (86.3%) 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.

Repayment capacity
1.34 years 2018
2016
2017
2018
Q1: 0.0 years
Med: 1.12 years
Q3: 19.18 years
Average

In 2018, the repayment capacity of A G I F ALPES GESTION IMM... (1.34) 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 262.48. 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 3.6x. Financial charges are adequately covered by operations.

Liquidity ratio (2018) ?
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

262.48

Interest coverage (2018) ?
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

3.645

Liquidity indicators evolution
A G I F ALPES GESTION IMMOBILIERE FORMATION

Sector positioning

Liquidity ratio
262.48 2018
2016
2017
2018
Q1: 12.04
Med: 150.08
Q3: 816.34
Good -8 pts over 3 years

In 2018, the liquidity ratio of A G I F ALPES GESTION IMM... (262.48) 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.

Interest coverage
3.65x 2018
2016
2017
2018
Q1: 0.0x
Med: 0.83x
Q3: 29.03x
Good

In 2018, the interest coverage of A G I F ALPES GESTION IMM... (3.6x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 49 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 9 days. The gap of 40 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Inventory turnover is 132 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 176 days of revenue, i.e. 46 k€ to permanently finance.

Operating WCR (2018) ?
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

45 534 €

Customer credit (2018) ?
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

49 j

Supplier credit (2018) ?
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

9 j

Inventory turnover (2018) ?
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

132 j

WCR in days of revenue (2018) ?
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

176 j

WCR and payment terms evolution
A G I F ALPES GESTION IMMOBILIERE FORMATION

Positioning of A G I F ALPES GESTION IMMOBILIERE FORMATION in its sector

Comparison with sector Location de logements

Valuation estimate

Based on 184 transactions of similar company sales in 2018, the value of A G I F ALPES GESTION IMMOBILIERE FORMATION is estimated at 148 466 € (range 52 916€ - 292 644€). With an EBITDA of 47 512€, the sector multiple of 4.3x is applied. The price/revenue ratio is 0.55x (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.

Estimated enterprise value 2018
184 transactions
52k€ 148k€ 292k€
148 466 € Range: 52 916€ - 292 644€
NAF 5 année 2018

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
47 512 € × 4.3x
Estimation 206 552 €
70 060€ - 368 261€
Revenue Multiple 30%
93 273 € × 0.55x
Estimation 51 657 €
24 345€ - 166 616€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 184 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 (Location de logements)

Compare A G I F ALPES GESTION IMMOBILIERE FORMATION with other companies in the same sector:

Voir toutes les statistiques du secteur Location de logements

Frequently asked questions about A G I F ALPES GESTION IMMOBILIERE FORMATION

What is the revenue of A G I F ALPES GESTION IMMOBILIERE FORMATION ?

The revenue of A G I F ALPES GESTION IMMOBILIERE FORMATION in 2018 is 93 k€.

Is A G I F ALPES GESTION IMMOBILIERE FORMATION profitable?

A G I F ALPES GESTION IMMOBILIERE FORMATION recorded a net loss in 2018.

Where is the headquarters of A G I F ALPES GESTION IMMOBILIERE FORMATION ?

The headquarters of A G I F ALPES GESTION IMMOBILIERE FORMATION is located in MANOSQUE (04100), in the department Alpes-de-Haute-Provence.

Where to find the tax return of A G I F ALPES GESTION IMMOBILIERE FORMATION ?

The tax return of A G I F ALPES GESTION IMMOBILIERE FORMATION 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 A G I F ALPES GESTION IMMOBILIERE FORMATION operate?

A G I F ALPES GESTION IMMOBILIERE FORMATION operates in the sector Location de logements (NAF code 68.20A). See the 'Sector positioning' section above to compare the company with its competitors.