SIREN : 881832349
AGAF is a French company founded 6 years ago, specialized in the sector Commerce d'alimentation générale. Based in BRUYERES-SUR-OISE (95820), this company of category PME shows in 2024 a revenue of 1.0 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 1 027 381 € | 1 035 421 € | 961 760 € | 818 426 € | 6 475 € |
| Net income | 52 713 € | 27 389 € | 23 086 € | 12 611 € | -22 472 € |
| EBITDA | 88 078 € | 49 761 € | 37 687 € | 26 080 € | -20 452 € |
| Net margin | 5.1% | 2.6% | 2.4% | 1.5% | -347.1% |
In 2024, AGAF achieves revenue of 1.0 M€. Over the period 2020-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +254.9%. Slight decline of -1% vs 2023. After deducting consumption (752 k€), gross margin stands at 275 k€, i.e. a rate of 27%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 88 k€, representing 8.6% of revenue. Positive scissor effect: EBITDA margin improves by +3.8 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 53 k€, i.e. 5.1% of revenue. This profit can be retained or distributed to shareholders.
1 027 381 €
274 987 €
88 078 €
77 086 €
52 713 €
8.6%
The debt ratio (= Financial debt / Equity x 100) stands at 14%. 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 6%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 6.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
14.468%
5.959%
6.201%
0.22
55.1%
In 2024, the debt ratio of AGAF (14.47) 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 AGAF (6.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of AGAF (0.22) 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 149.48. 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 0.7x. Danger: operating income does not cover interest charges, unsustainable situation.
149.482
0.664
In 2024, the liquidity ratio of AGAF (149.48) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2024, the interest coverage of AGAF (0.7x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
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: 14 days. Favorable situation: supplier credit is longer than customer credit by 14 days. Inventory turnover is 23 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. WCR is negative (-5 days): operations structurally generate cash. Over 2020-2024, WCR increased by +76%, requiring additional financing.
-13 356 €
0 j
14 j
23 j
-5 j
Based on 551 transactions of similar company sales in 2024, the value of AGAF is estimated at 340 495 € (range 138 800€ - 712 339€). With an EBITDA of 88 078€, the sector multiple of 4.7x is applied. The price/revenue ratio is 0.23x (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.
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This estimate is based on the analysis of 551 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 AGAF with other companies in the same sector:
Voir toutes les statistiques du secteur Commerce d'alimentation générale
The revenue of AGAF in 2024 is 1.0 M€.
Yes, AGAF generated a net profit of 53 k€ in 2024.
The headquarters of AGAF is located in BRUYERES-SUR-OISE (95820), in the department Val-d'Oise.
The tax return of AGAF 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).
AGAF operates in the sector Commerce d'alimentation générale (NAF code 47.11B). See the 'Sector positioning' section above to compare the company with its competitors.