Employees: NN (None)Legal category: Société à responsabilité limitée (sans autre indication)Size: PMECreation date: 2008-02-01 (18 years)Status: ActiveBusiness sector: Agences immobilièresLocation: ANGERS (49100), Maine-et-Loire
AGENCE ACCORD DEVELOPPEMENT : revenue, balance sheet and financial ratios
AGENCE ACCORD DEVELOPPEMENT is a French company
founded 18 years ago,
specialized in the sector Agences immobilières.
Based in ANGERS (49100),
this company of category PME
shows in 2025 a revenue of 86 k€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - AGENCE ACCORD DEVELOPPEMENT (SIREN 502228760)
Indicator
2025
2024
2023
2022
2021
2020
2019
2018
2016
Revenue
85 953 €
73 788 €
75 922 €
75 252 €
79 210 €
78 384 €
93 788 €
99 223 €
N/C
Net income
102 534 €
110 040 €
65 369 €
104 762 €
37 165 €
87 054 €
34 105 €
44 820 €
59 549 €
EBITDA
4 934 €
-36 283 €
-27 127 €
-11 301 €
-14 735 €
-6 371 €
9 568 €
4 452 €
N/C
Net margin
119.3%
149.1%
86.1%
139.2%
46.9%
111.1%
36.4%
45.2%
N/C
Revenue and income statement
In 2025, AGENCE ACCORD DEVELOPPEMENT achieves revenue of 86 k€. Activity remains stable over the period (CAGR: -2.0%). Vs 2024, growth of +16% (74 k€ -> 86 k€). After deducting consumption (0 €), gross margin stands at 86 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 5 k€, representing 5.7% of revenue. Positive scissor effect: EBITDA margin improves by +54.9 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 103 k€, i.e. 119.3% of revenue. This profit can be retained or distributed to shareholders.
Revenue (2025)
?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production
85 953 €
Gross margin (2025)
?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed
85 953 €
EBITDA (2025)
?
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
4 934 €
EBIT (2025)
?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals
828 €
Net income (2025)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
102 534 €
EBITDA margin (2025)
?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability 5-10% : Average < 5% : Low
5.7%
Loading income statement...
Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
Loading data...
Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
Loading data...
Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 4%. 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 94%. 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 0.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 130.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
Debt ratio (2025)
?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
4.147%
Financial autonomy (2025)
?
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
93.578%
Cash flow / Revenue (2025)
?
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
129.999%
Repayment capacity (2025)
?
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
0.218
Asset age ratio (2025)
?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2018
2019
2020
2021
2022
2023
2024
2025
Debt ratio
5.627
4.493
5.788
3.763
3.614
1.956
9.934
0.281
4.147
Financial autonomy
88.207
91.248
91.282
93.36
90.818
94.377
89.957
98.898
93.578
Repayment capacity
None
0.306
0.462
0.154
0.362
0.087
0.615
0.013
0.218
Cash flow / Revenue
None%
43.105%
40.729%
114.259%
48.928%
141.536%
93.157%
155.22%
129.999%
Sector positioning
Debt ratio
4.152025
2023
2024
2025
Q1: 0.01
Med: 9.4
Q3: 52.77
Good-11 pts over 3 years
In 2025, the debt ratio of AGENCE ACCORD DEVELOPPEMENT (4.15) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
Financial autonomy
93.58%2025
2023
2024
2025
Q1: 6.02%
Med: 32.61%
Q3: 61.23%
Excellent+10 pts over 3 years
In 2025, the financial autonomy of AGENCE ACCORD DEVELOPPEMENT (93.6%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
Repayment capacity
0.22 years2025
2023
2024
2025
Q1: 0.0 years
Med: 0.0 years
Q3: 1.1 years
Average-7 pts over 3 years
In 2025, the repayment capacity of AGENCE ACCORD DEVELOPPEMENT (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.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 2009.59. 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 13.5x. Operating income very largely covers interest expenses: high safety margin.
Liquidity ratio (2025)
?
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
2009.594
Interest coverage (2025)
?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2018
2019
2020
2021
2022
2023
2024
2025
Liquidity ratio
950.612
1558.677
2152.714
2515.303
1363.504
2089.699
7155.966
4814.756
2009.594
Interest coverage
None
0.0
0.0
0.0
-1.12
-1.726
-5.157
-1.593
13.498
Sector positioning
Liquidity ratio
2009.592025
2023
2024
2025
Q1: 108.17
Med: 191.05
Q3: 471.44
Excellent
In 2025, the liquidity ratio of AGENCE ACCORD DEVELOPPEMENT (2009.59) 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
13.5x2025
2023
2024
2025
Q1: 0.0x
Med: 0.0x
Q3: 1.7x
Excellent+50 pts over 3 years
In 2025, the interest coverage of AGENCE ACCORD DEVELOPPEMENT (13.5x) 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) and payment terms
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 77 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 148 days. Excellent situation: suppliers finance 71 days of the operating cycle (retail model). Overall, WCR represents 792 days of revenue, i.e. 189 k€ to permanently finance.
Operating WCR (2025)
?
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
189 186 €
Customer credit (2025)
?
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
77 j
Supplier credit (2025)
?
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
148 j
Inventory turnover (2025)
?
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 in days of revenue (2025)
?
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
792 j
WCR and payment terms evolution AGENCE ACCORD DEVELOPPEMENT
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2018
2019
2020
2021
2022
2023
2024
2025
Operating WCR
0 €
87 882 €
77 879 €
115 249 €
52 070 €
178 447 €
94 101 €
194 262 €
189 186 €
Inventory turnover (days)
0
0
0
0
0
0
0
0
0
Customer payment term (days)
0
164
161
9
9
38
9
30
77
Supplier payment term (days)
0
139
31
91
108
33
62
128
148
Positioning of AGENCE ACCORD DEVELOPPEMENT in its sector
Comparison with sector Agences immobilières
Valuation estimate
Based on 55 transactions of similar company sales
in 2025,
the value of AGENCE ACCORD DEVELOPPEMENT is estimated at
52 068 €
(range 32 527€ - 97 384€).
With an EBITDA of 4 934€, the sector multiple of 2.9x is applied.
The price/revenue ratio is 0.21x
(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 value2025
55 tx
32k€52k€97k€
52 068 €Range: 32 527€ - 97 384€
NAF 5 année 2025
Valuation detail by method
Ajustez les pondérations selon votre analyse
EBITDA Multiple50%
4 934 €×2.9x
Estimation14 308 €
4 088€ - 25 442€
Revenue Multiple30%
85 953 €×0.21x
Estimation18 375 €
7 555€ - 44 270€
Net Income Multiple20%
102 534 €×1.9x
Estimation197 008 €
141 087€ - 356 916€
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
How is this estimate calculated?
This estimate is based on the analysis of 55 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 (Agences immobilières)
Compare AGENCE ACCORD DEVELOPPEMENT with other companies in the same sector:
Frequently asked questions about AGENCE ACCORD DEVELOPPEMENT
What is the revenue of AGENCE ACCORD DEVELOPPEMENT ?
The revenue of AGENCE ACCORD DEVELOPPEMENT in 2025 is 86 k€.
Is AGENCE ACCORD DEVELOPPEMENT profitable?
Yes, AGENCE ACCORD DEVELOPPEMENT generated a net profit of 103 k€ in 2025.
Where is the headquarters of AGENCE ACCORD DEVELOPPEMENT ?
The headquarters of AGENCE ACCORD DEVELOPPEMENT is located in ANGERS (49100), in the department Maine-et-Loire.
Where to find the tax return of AGENCE ACCORD DEVELOPPEMENT ?
The tax return of AGENCE ACCORD DEVELOPPEMENT 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 AGENCE ACCORD DEVELOPPEMENT operate?
AGENCE ACCORD DEVELOPPEMENT operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.
Item evolution
Rotate your phone to landscape mode to view the chart