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AG PARTICIPATION : revenue, balance sheet and financial ratios

AG PARTICIPATION is a French company founded 15 years ago, specialized in the sector Services administratifs combinés de bureau. Based in MONT-DORE (63240), this company of category PME shows in 2021 a net income positive of 122 k€. 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 - AG PARTICIPATION (SIREN 523830750)
Indicator 2021 2020 2019 2018 2017 2016 2015 2014
Revenue N/C N/C N/C N/C N/C N/C N/C N/C
Net income 121 666 € -28 925 € -14 940 € 28 863 € -2 210 € -758 € -1 271 € 950 €
EBITDA -209 896 € -17 150 € -7 623 € -11 510 € -4 128 € -2 963 € -3 001 € -2 506 €
Net margin N/C N/C N/C N/C N/C N/C N/C N/C

Revenue and income statement

In 2021, AG PARTICIPATION generates positive net income of 122 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2014-2021: 950 € -> 122 k€.

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

-209 896 €

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

-209 896 €

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

121 666 €

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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 25%. 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 79%. 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 1.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability.

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

25.202%

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

78.624%

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

1.612

Solvency indicators evolution
AG PARTICIPATION

Sector positioning

Debt ratio
25.2 2021
2019
2020
2021
Q1: 0.05
Med: 17.55
Q3: 121.6
Average

In 2021, the debt ratio of AG PARTICIPATION (25.20) 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
78.62% 2021
2019
2020
2021
Q1: 9.02%
Med: 43.02%
Q3: 79.81%
Good

In 2021, the financial autonomy of AG PARTICIPATION (78.6%) 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
1.61 years 2021
2019
2020
2021
Q1: 0.0 years
Med: 0.02 years
Q3: 3.39 years
Average +37 pts over 3 years

In 2021, the repayment capacity of AG PARTICIPATION (1.61) 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 1557.00. 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

1557.002

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

-3.122

Liquidity indicators evolution
AG PARTICIPATION

Sector positioning

Liquidity ratio
1557.0 2021
2019
2020
2021
Q1: 102.72
Med: 266.85
Q3: 959.86
Excellent +13 pts over 3 years

In 2021, the liquidity ratio of AG PARTICIPATION (1557.00) 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
-3.12x 2021
2019
2020
2021
Q1: -11.83x
Med: 0.0x
Q3: 0.15x
Average +18 pts over 3 years

In 2021, the interest coverage of AG PARTICIPATION (-3.1x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 10 days. Favorable situation: supplier credit is longer than customer credit by 10 days.

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

10 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
AG PARTICIPATION

Positioning of AG PARTICIPATION in its sector

Comparison with sector Services administratifs combinés de bureau

Valuation estimate

Based on 173 transactions of similar company sales (all years), the value of AG PARTICIPATION is estimated at 428 778 € (range 150 381€ - 1 159 688€). 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 2021
173 transactions
150k€ 428k€ 1159k€
428 778 € Range: 150 381€ - 1 159 688€
NAF 5 all-time

Valuation method used

Net Income Multiple
121 666 € × 3.5x = 428 779 €
Range: 150 381€ - 1 159 689€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 173 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 (Services administratifs combinés de bureau)

Compare AG PARTICIPATION with other companies in the same sector:

Voir toutes les statistiques du secteur Services administratifs combinés de bureau

Frequently asked questions about AG PARTICIPATION

What is the revenue of AG PARTICIPATION ?

The revenue of AG PARTICIPATION is not publicly disclosed (confidential accounts filed with INPI).

Is AG PARTICIPATION profitable?

Yes, AG PARTICIPATION generated a net profit of 122 k€ in 2021.

Where is the headquarters of AG PARTICIPATION ?

The headquarters of AG PARTICIPATION is located in MONT-DORE (63240), in the department Puy-de-Dome.

Where to find the tax return of AG PARTICIPATION ?

The tax return of AG PARTICIPATION 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 AG PARTICIPATION operate?

AG PARTICIPATION operates in the sector Services administratifs combinés de bureau (NAF code 82.11Z). See the 'Sector positioning' section above to compare the company with its competitors.