A-Z AUTO 89 : revenue, balance sheet and financial ratios

A-Z AUTO 89 is a French company founded 8 years ago, specialized in the sector Entretien et réparation de véhicules automobiles légers. Based in VILLENEUVE-SUR-YONNE (89500), this company of category PME shows in 2024 a revenue of 195 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-11

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - A-Z AUTO 89 (SIREN 833180433)
Indicator 2024 2022 2021 2020 2018
Revenue 195 248 € 136 931 € 119 642 € 148 073 € 97 149 €
Net income 1 434 € 799 € -237 € -280 € -8 988 €
EBITDA 4 680 € 5 704 € -3 884 € 1 696 € -7 489 €
Net margin 0.7% 0.6% -0.2% -0.2% -9.3%

Revenue and income statement

In 2024, A-Z AUTO 89 achieves revenue of 195 k€. Over the period 2018-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +12.3%. Vs 2022, growth of +43% (137 k€ -> 195 k€). After deducting consumption (119 k€), gross margin stands at 77 k€, i.e. a rate of 39%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 5 k€, representing 2.4% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 1 k€, i.e. 0.7% 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

195 248 €

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

76 693 €

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

4 680 €

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

-290 €

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

1 434 €

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

2.4%

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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 795%. 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 40%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 4.1 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 2.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

795.128%

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

39.917%

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

2.182%

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

4.086

Solvency indicators evolution
A-Z AUTO 89

Sector positioning

Debt ratio
795.13 2024
2021
2022
2024
Q1: 5.48
Med: 23.98
Q3: 69.21
Watch

In 2024, the debt ratio of A-Z AUTO 89 (795.13) 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.

Financial autonomy
39.92% 2024
2021
2022
2024
Q1: 21.56%
Med: 45.64%
Q3: 63.33%
Average -31 pts over 3 years

In 2024, the financial autonomy of A-Z AUTO 89 (39.9%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
4.09 years 2024
2021
2022
2024
Q1: 0.0 years
Med: 0.48 years
Q3: 2.07 years
Average

In 2024, the repayment capacity of A-Z AUTO 89 (4.09) 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 151.45. 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 25.6x. Operating income very largely covers interest expenses: high safety margin.

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

151.453

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

25.556

Liquidity indicators evolution
A-Z AUTO 89

Sector positioning

Liquidity ratio
151.45 2024
2021
2022
2024
Q1: 143.26
Med: 217.16
Q3: 327.62
Average -20 pts over 3 years

In 2024, the liquidity ratio of A-Z AUTO 89 (151.45) 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.

Interest coverage
25.56x 2024
2021
2022
2024
Q1: 0.0x
Med: 0.67x
Q3: 4.75x
Excellent +50 pts over 3 years

In 2024, the interest coverage of A-Z AUTO 89 (25.6x) 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: 23 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 20 days. The company must finance 3 days of gap between collections and payments. Inventory turnover is 71 days (= Average inventory / Cost of goods x 360). Overall, WCR represents 28 days of revenue, i.e. 15 k€ to permanently finance. Over 2018-2024, WCR increased by +223%, 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

14 952 €

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

23 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

20 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

71 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

28 j

WCR and payment terms evolution
A-Z AUTO 89

Positioning of A-Z AUTO 89 in its sector

Comparison with sector Entretien et réparation de véhicules automobiles légers

Valuation estimate

Based on 147 transactions of similar company sales in 2024, the value of A-Z AUTO 89 is estimated at 34 557 € (range 18 866€ - 62 094€). With an EBITDA of 4 680€, the sector multiple of 5.5x is applied. The price/revenue ratio is 0.35x (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.

Estimated enterprise value 2024
147 transactions
18k€ 34k€ 62k€
34 557 € Range: 18 866€ - 62 094€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
4 680 € × 5.5x
Estimation 25 849 €
9 870€ - 41 926€
Revenue Multiple 30%
195 248 € × 0.35x
Estimation 67 780 €
44 926€ - 127 212€
Net Income Multiple 20%
1 434 € × 4.5x
Estimation 6 495 €
2 272€ - 14 842€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 147 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 (Entretien et réparation de véhicules automobiles légers)

Compare A-Z AUTO 89 with other companies in the same sector:

Voir toutes les statistiques du secteur Entretien et réparation de véhicules automobiles légers

Frequently asked questions about A-Z AUTO 89

What is the revenue of A-Z AUTO 89 ?

The revenue of A-Z AUTO 89 in 2024 is 195 k€.

Is A-Z AUTO 89 profitable?

Yes, A-Z AUTO 89 generated a net profit of 1 k€ in 2024.

Where is the headquarters of A-Z AUTO 89 ?

The headquarters of A-Z AUTO 89 is located in VILLENEUVE-SUR-YONNE (89500), in the department Yonne.

Where to find the tax return of A-Z AUTO 89 ?

The tax return of A-Z AUTO 89 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-Z AUTO 89 operate?

A-Z AUTO 89 operates in the sector Entretien et réparation de véhicules automobiles légers (NAF code 45.20A). See the 'Sector positioning' section above to compare the company with its competitors.