ACH FINANCES CONSEILS : revenue, balance sheet and financial ratios

ACH FINANCES CONSEILS is a French company founded 8 years ago, specialized in the sector Conseil pour les affaires et autres conseils de gestion. Based in ORGERES (35230), this company of category PME shows in 2022 a revenue of 211 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

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

Financial history - ACH FINANCES CONSEILS (SIREN 831664818)
Indicator 2022 2021 2020 2019 2018
Revenue 211 054 € 134 769 € 94 250 € 85 500 € 133 089 €
Net income 2 922 € 17 396 € -748 € 890 € -288 €
EBITDA -30 682 € -7 309 € -28 145 € -25 631 € -1 304 €
Net margin 1.4% 12.9% -0.8% 1.0% -0.2%

Revenue and income statement

In 2022, ACH FINANCES CONSEILS achieves revenue of 211 k€. Over the period 2018-2022, the company shows strong growth with a CAGR (compound annual growth rate) of +12.2%. Vs 2021, growth of +57% (135 k€ -> 211 k€). After deducting consumption (0 €), gross margin stands at 211 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 -31 k€, representing -14.5% of revenue. Warning negative scissor effect: despite revenue change (+57%), EBITDA varies by -320%, reducing margin by 9.1 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 3 k€, i.e. 1.4% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

211 054 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

211 054 €

EBITDA (2022) ?
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

-30 682 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-21 148 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

2 922 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-14.5%

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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 42%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

65.81%

Financial autonomy (2022) ?
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

42.411%

Cash flow / Revenue (2022) ?
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

-2.581%

Repayment capacity (2022) ?
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

-19.661

Asset age ratio (2022) ?
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

86.8%

Solvency indicators evolution
ACH FINANCES CONSEILS

Sector positioning

Debt ratio
65.81 2022
2020
2021
2022
Q1: 0.0
Med: 5.47
Q3: 56.05
Average

In 2022, the debt ratio of ACH FINANCES CONSEILS (65.81) 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
42.41% 2022
2020
2021
2022
Q1: 6.67%
Med: 40.68%
Q3: 75.55%
Good

In 2022, the financial autonomy of ACH FINANCES CONSEILS (42.4%) 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
-19.66 years 2022
2020
2021
2022
Q1: 0.0 years
Med: 0.0 years
Q3: 1.03 years
Excellent

In 2022, the repayment capacity of ACH FINANCES CONSEILS (-19.66) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 46.05. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2022) ?
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

46.045

Interest coverage (2022) ?
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

-3.702

Liquidity indicators evolution
ACH FINANCES CONSEILS

Sector positioning

Liquidity ratio
46.05 2022
2020
2021
2022
Q1: 135.97
Med: 284.06
Q3: 751.68
Average

In 2022, the liquidity ratio of ACH FINANCES CONSEILS (46.05) 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
-3.7x 2022
2020
2021
2022
Q1: 0.0x
Med: 0.0x
Q3: 0.31x
Average

In 2022, the interest coverage of ACH FINANCES CONSEILS (-3.7x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 66 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 246 days. Excellent situation: suppliers finance 180 days of the operating cycle (retail model). WCR is negative (-71 days): operations structurally generate cash. Notable WCR improvement over the period (-245%), freeing up cash.

Operating WCR (2022) ?
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

-41 865 €

Customer credit (2022) ?
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

66 j

Supplier credit (2022) ?
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

246 j

Inventory turnover (2022) ?
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 (2022) ?
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

-71 j

WCR and payment terms evolution
ACH FINANCES CONSEILS

Positioning of ACH FINANCES CONSEILS in its sector

Comparison with sector Conseil pour les affaires et autres conseils de gestion

Valuation estimate

Based on 88 transactions of similar company sales in 2022, the value of ACH FINANCES CONSEILS is estimated at 50 875 € (range 26 773€ - 112 444€). The price/revenue ratio is 0.33x (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 2022
88 tx
26k€ 50k€ 112k€
50 875 € Range: 26 773€ - 112 444€
NAF 5 année 2022

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
211 054 € × 0.33x
Estimation 69 305 €
39 547€ - 155 051€
Net Income Multiple 20%
2 922 € × 8.0x
Estimation 23 231 €
7 615€ - 48 534€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 88 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 (Conseil pour les affaires et autres conseils de gestion)

Compare ACH FINANCES CONSEILS with other companies in the same sector:

Voir toutes les statistiques du secteur Conseil pour les affaires et autres conseils de gestion

Frequently asked questions about ACH FINANCES CONSEILS

What is the revenue of ACH FINANCES CONSEILS ?

The revenue of ACH FINANCES CONSEILS in 2022 is 211 k€.

Is ACH FINANCES CONSEILS profitable?

Yes, ACH FINANCES CONSEILS generated a net profit of 3 k€ in 2022.

Where is the headquarters of ACH FINANCES CONSEILS ?

The headquarters of ACH FINANCES CONSEILS is located in ORGERES (35230), in the department Ille-et-Vilaine.

Where to find the tax return of ACH FINANCES CONSEILS ?

The tax return of ACH FINANCES CONSEILS 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 ACH FINANCES CONSEILS operate?

ACH FINANCES CONSEILS operates in the sector Conseil pour les affaires et autres conseils de gestion (NAF code 70.22Z). See the 'Sector positioning' section above to compare the company with its competitors.