SIREN : 489193284
A.G FINANCE is a French company founded 20 years ago, specialized in the sector Activités des sociétés holding. Based in VENDARGUES (34740), this company of category PME shows in 2024 a revenue of 207 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 206 624 € | 209 297 € | 178 787 € | 86 180 € | 362 450 € | 853 920 € | 850 830 € | 850 292 € | 844 010 € |
| Net income | 177 828 € | 1 868 904 € | 853 524 € | -652 911 € | 2 079 709 € | 817 832 € | 510 189 € | 535 075 € | 468 218 € |
| EBITDA | 96 826 € | 108 274 € | 22 090 € | -618 838 € | -169 263 € | 198 830 € | 164 437 € | 189 489 € | 158 395 € |
| Net margin | 86.1% | 892.9% | 477.4% | -757.6% | 573.8% | 95.8% | 60.0% | 62.9% | 55.5% |
In 2024, A.G FINANCE achieves revenue of 207 k€. Revenue is declining over the period 2016-2024 (CAGR: -16.1%). Slight decline of -1% vs 2023. After deducting consumption (0 €), gross margin stands at 207 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 97 k€, representing 46.9% of revenue. Warning negative scissor effect: despite revenue change (-1%), EBITDA varies by -11%, reducing margin by 4.9 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 178 k€, i.e. 86.1% of revenue. This profit can be retained or distributed to shareholders.
206 624 €
206 624 €
96 826 €
-27 832 €
177 828 €
46.9%
The debt ratio (= Financial debt / Equity x 100) stands at 28%. 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 77%. 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 5.6 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 130.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
27.581%
77.327%
130.632%
5.64
85.9%
In 2024, the debt ratio of A.G FINANCE (27.58) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of A.G FINANCE (77.3%) 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.
In 2024, the repayment capacity of A.G FINANCE (5.64) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 11836.21. 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 144.5x. Operating income very largely covers interest expenses: high safety margin.
11836.213
144.472
In 2024, the liquidity ratio of A.G FINANCE (11836.21) 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.
In 2024, the interest coverage of A.G FINANCE (144.5x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 132 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 76 days. The gap of 56 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 2065 days of revenue, i.e. 1.2 M€ to permanently finance. Notable WCR improvement over the period (-43%), freeing up cash.
1 185 216 €
132 j
76 j
0 j
2065 j
Based on 54 transactions of similar company sales
in 2024,
the value of A.G FINANCE is estimated at
322 538 €
(range 95 452€ - 712 461€).
With an EBITDA of 96 826€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.59x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 54 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare A.G FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of A.G FINANCE in 2024 is 207 k€.
Yes, A.G FINANCE generated a net profit of 178 k€ in 2024.
The headquarters of A.G FINANCE is located in VENDARGUES (34740), in the department Herault.
The tax return of A.G FINANCE 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).
A.G FINANCE operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.