AFL AMELIORATION FRANCAISE DU LOGEMENT : revenue, balance sheet and financial ratios

AFL AMELIORATION FRANCAISE DU LOGEMENT is a French company founded 16 years ago, specialized in the sector Travaux d'isolation. Based in DOUAI (59500), this company of category PME shows in 2021 a revenue of 7.0 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 - AFL AMELIORATION FRANCAISE DU LOGEMENT (SIREN 515254084)
Indicator 2021 2020 2019 2018 2017 2016
Revenue 7 003 211 € 5 309 619 € 5 296 779 € 3 676 428 € 2 582 477 € 1 852 025 €
Net income -186 670 € 133 997 € 282 309 € 169 518 € 32 891 € 790 €
EBITDA -444 385 € 380 639 € 578 189 € 337 086 € 173 750 € 69 719 €
Net margin -2.7% 2.5% 5.3% 4.6% 1.3% 0.0%

Revenue and income statement

In 2021, AFL AMELIORATION FRANCAISE DU LOGEMENT achieves revenue of 7.0 M€. Over the period 2016-2021, the company shows strong growth with a CAGR (compound annual growth rate) of +30.5%. Vs 2020, growth of +32% (5.3 M€ -> 7.0 M€). After deducting consumption (3.6 M€), gross margin stands at 3.4 M€, i.e. a rate of 49%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -444 k€, representing -6.3% of revenue. Warning negative scissor effect: despite revenue change (+32%), EBITDA varies by -217%, reducing margin by 13.5 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -187 k€ (-2.7% of revenue), which will impact equity.

Revenue (2021) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

7 003 211 €

Gross margin (2021) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

3 445 520 €

EBITDA (2021) ?
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

-444 385 €

EBIT (2021) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-395 896 €

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

-186 670 €

EBITDA margin (2021) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-6.3%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 286%. 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 12%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

285.561%

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

12.09%

Cash flow / Revenue (2021) ?
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

-5.588%

Repayment capacity (2021) ?
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

-2.786

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

43.5%

Solvency indicators evolution
AFL AMELIORATION FRANCAISE DU LOGEMENT

Sector positioning

Debt ratio
285.56 2021
2019
2020
2021
Q1: 0.89
Med: 22.75
Q3: 81.8
Watch +14 pts over 3 years

In 2021, the debt ratio of AFL AMELIORATION FRANCAIS... (285.56) 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
12.09% 2021
2019
2020
2021
Q1: 9.55%
Med: 28.36%
Q3: 49.15%
Average -19 pts over 3 years

In 2021, the financial autonomy of AFL AMELIORATION FRANCAIS... (12.1%) 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
-2.79 years 2021
2019
2020
2021
Q1: 0.0 years
Med: 0.13 years
Q3: 1.78 years
Excellent -37 pts over 3 years

In 2021, the repayment capacity of AFL AMELIORATION FRANCAIS... (-2.79) 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 295.15. 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

295.15

Interest coverage (2021) ?
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

-2.518

Liquidity indicators evolution
AFL AMELIORATION FRANCAISE DU LOGEMENT

Sector positioning

Liquidity ratio
295.15 2021
2019
2020
2021
Q1: 137.05
Med: 193.68
Q3: 285.26
Excellent +36 pts over 3 years

In 2021, the liquidity ratio of AFL AMELIORATION FRANCAIS... (295.15) 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.

Interest coverage
-2.52x 2021
2019
2020
2021
Q1: 0.0x
Med: 0.09x
Q3: 1.64x
Watch -30 pts over 3 years

In 2021, the interest coverage of AFL AMELIORATION FRANCAIS... (-2.5x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.

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: 43 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 30 days. The company must finance 13 days of gap between collections and payments. Inventory turnover is 13 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 45 days of revenue, i.e. 876 k€ to permanently finance. Over 2016-2021, WCR increased by +485%, requiring additional financing.

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

876 102 €

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

43 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

30 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

13 j

WCR in days of revenue (2021) ?
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

45 j

WCR and payment terms evolution
AFL AMELIORATION FRANCAISE DU LOGEMENT

Positioning of AFL AMELIORATION FRANCAISE DU LOGEMENT in its sector

Comparison with sector Travaux d'isolation

Valuation estimate

Based on 58 transactions of similar company sales (all years), the value of AFL AMELIORATION FRANCAISE DU LOGEMENT is estimated at 1 426 386 € (range 917 708€ - 2 118 516€). The price/revenue ratio is 0.20x (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 2021
58 tx
917k€ 1426k€ 2118k€
1 426 386 € Range: 917 708€ - 2 118 516€
NAF 5 all-time

Valuation method used

Revenue Multiple
7 003 211 € × 0.20x = 1 426 386 €
Range: 917 708€ - 2 118 516€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 58 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 (Travaux d'isolation)

Compare AFL AMELIORATION FRANCAISE DU LOGEMENT with other companies in the same sector:

Voir toutes les statistiques du secteur Travaux d'isolation

Frequently asked questions about AFL AMELIORATION FRANCAISE DU LOGEMENT

What is the revenue of AFL AMELIORATION FRANCAISE DU LOGEMENT ?

The revenue of AFL AMELIORATION FRANCAISE DU LOGEMENT in 2021 is 7.0 M€.

Is AFL AMELIORATION FRANCAISE DU LOGEMENT profitable?

AFL AMELIORATION FRANCAISE DU LOGEMENT recorded a net loss in 2021.

Where is the headquarters of AFL AMELIORATION FRANCAISE DU LOGEMENT ?

The headquarters of AFL AMELIORATION FRANCAISE DU LOGEMENT is located in DOUAI (59500), in the department Nord.

Where to find the tax return of AFL AMELIORATION FRANCAISE DU LOGEMENT ?

The tax return of AFL AMELIORATION FRANCAISE DU LOGEMENT 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 AFL AMELIORATION FRANCAISE DU LOGEMENT operate?

AFL AMELIORATION FRANCAISE DU LOGEMENT operates in the sector Travaux d'isolation (NAF code 43.29A). See the 'Sector positioning' section above to compare the company with its competitors.