A.F. AUTO : revenue, balance sheet and financial ratios

A.F. AUTO is a French company founded 20 years ago, specialized in the sector Commerce de voitures et de véhicules automobiles légers. Based in AUXERRE (89000), this company of category PME shows in 2016 a revenue of 4.0 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

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

Financial history - A.F. AUTO (SIREN 485143952)
Indicator 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Revenue N/C N/C N/C N/C N/C 4 047 431 € 3 765 191 € 3 580 871 € 3 606 406 € 3 021 078 €
Net income -174 338 € 2 497 € 13 132 € 184 476 € 49 089 € 26 942 € 33 016 € 15 798 € 15 801 € 50 249 €
EBITDA N/C N/C N/C N/C N/C 68 983 € 77 309 € 60 225 € 37 999 € 77 738 €
Net margin N/C N/C N/C N/C N/C 0.7% 0.9% 0.4% 0.4% 1.7%

Revenue and income statement

In 2021, A.F. AUTO records a net loss of 174 k€. This deficit will reduce equity on the balance sheet.

Net income (2021) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-174 338 €

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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 112%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 38%. The balance between equity and debt is satisfactory.

Debt ratio (2021) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

112.14%

Financial autonomy (2021) ?
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

38.114%

Asset age ratio (2021) ?
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

27.9%

Solvency indicators evolution
A.F. AUTO

Sector positioning

Debt ratio
112.14 2021
2019
2020
2021
Q1: 7.67
Med: 58.52
Q3: 167.61
Average +34 pts over 3 years

In 2021, the debt ratio of A.F. AUTO (112.14) 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
38.11% 2021
2019
2020
2021
Q1: 14.59%
Med: 31.04%
Q3: 53.2%
Good -17 pts over 3 years

In 2021, the financial autonomy of A.F. AUTO (38.1%) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 474.60. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2021) ?
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

474.599

Liquidity indicators evolution
A.F. AUTO

Sector positioning

Liquidity ratio
474.6 2021
2019
2020
2021
Q1: 142.22
Med: 211.9
Q3: 378.24
Excellent

In 2021, the liquidity ratio of A.F. AUTO (474.60) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2021) ?
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

0 €

Customer credit (2021) ?
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

0 j

Supplier credit (2021) ?
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

0 j

Inventory turnover (2021) ?
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 and payment terms evolution
A.F. AUTO

Positioning of A.F. AUTO in its sector

Comparison with sector Commerce de voitures et de véhicules automobiles légers

Similar companies (Commerce de voitures et de véhicules automobiles légers)

Compare A.F. AUTO with other companies in the same sector:

Voir toutes les statistiques du secteur Commerce de voitures et de véhicules automobiles légers

Frequently asked questions about A.F. AUTO

What is the revenue of A.F. AUTO ?

The revenue of A.F. AUTO in 2016 is 4.0 M€.

Is A.F. AUTO profitable?

A.F. AUTO recorded a net loss in 2021.

Where is the headquarters of A.F. AUTO ?

The headquarters of A.F. AUTO is located in AUXERRE (89000), in the department Yonne.

Where to find the tax return of A.F. AUTO ?

The tax return of A.F. AUTO 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.F. AUTO operate?

A.F. AUTO operates in the sector Commerce de voitures et de véhicules automobiles légers (NAF code 45.11Z). See the 'Sector positioning' section above to compare the company with its competitors.