AGENCE CHARPENNES ROLIN BAINSON : revenue, balance sheet and financial ratios

AGENCE CHARPENNES ROLIN BAINSON is a French company founded 47 years ago, specialized in the sector Agences immobilières. Based in VILLEURBANNE (69100), this company of category PME shows in 2019 a revenue of 395 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - AGENCE CHARPENNES ROLIN BAINSON (SIREN 314950981)
Indicator 2019 2018 2017
Revenue 394 992 € 421 190 € 426 862 €
Net income 153 273 € 114 069 € 129 432 €
EBITDA 64 857 € 118 802 € 100 719 €
Net margin 38.8% 27.1% 30.3%

Revenue and income statement

In 2019, AGENCE CHARPENNES ROLIN BAINSON achieves revenue of 395 k€. Activity remains stable over the period (CAGR: -3.8%). Slight decline of -6% vs 2018. After deducting consumption (0 €), gross margin stands at 395 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 65 k€, representing 16.4% of revenue. Warning negative scissor effect: despite revenue change (-6%), EBITDA varies by -45%, reducing margin by 11.8 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 153 k€, i.e. 38.8% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2019) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

394 992 €

Gross margin (2019) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

394 992 €

EBITDA (2019) ?
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

64 857 €

EBIT (2019) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

70 031 €

Net income (2019) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

153 273 €

EBITDA margin (2019) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

16.4%

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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 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 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 0.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 38.0% 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 (2019) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

4.133%

Financial autonomy (2019) ?
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

77.453%

Cash flow / Revenue (2019) ?
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

37.96%

Repayment capacity (2019) ?
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

0.103

Asset age ratio (2019) ?
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

30.6%

Solvency indicators evolution
AGENCE CHARPENNES ROLIN BAINSON

Sector positioning

Debt ratio
4.13 2019
2017
2018
2019
Q1: 0.0
Med: 9.82
Q3: 63.59
Good -10 pts over 3 years

In 2019, the debt ratio of AGENCE CHARPENNES ROLIN B... (4.13) 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
77.45% 2019
2017
2018
2019
Q1: 6.81%
Med: 32.03%
Q3: 62.23%
Excellent

In 2019, the financial autonomy of AGENCE CHARPENNES ROLIN B... (77.5%) 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
0.1 years 2019
2017
2018
2019
Q1: 0.0 years
Med: 0.01 years
Q3: 1.3 years
Average

In 2019, the repayment capacity of AGENCE CHARPENNES ROLIN B... (0.10) 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 481.99. 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 0.3x. Danger: operating income does not cover interest charges, unsustainable situation.

Liquidity ratio (2019) ?
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

481.985

Interest coverage (2019) ?
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

0.298

Liquidity indicators evolution
AGENCE CHARPENNES ROLIN BAINSON

Sector positioning

Liquidity ratio
481.99 2019
2017
2018
2019
Q1: 107.65
Med: 177.53
Q3: 386.94
Excellent

In 2019, the liquidity ratio of AGENCE CHARPENNES ROLIN B... (481.99) 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
0.3x 2019
2017
2018
2019
Q1: 0.0x
Med: 0.0x
Q3: 1.32x
Good

In 2019, the interest coverage of AGENCE CHARPENNES ROLIN B... (0.3x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 24 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 64 days. Excellent situation: suppliers finance 40 days of the operating cycle (retail model). Overall, WCR represents 92 days of revenue, i.e. 101 k€ to permanently finance. Over 2017-2019, WCR increased by +222%, requiring additional financing.

Operating WCR (2019) ?
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

100 755 €

Customer credit (2019) ?
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

24 j

Supplier credit (2019) ?
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

64 j

Inventory turnover (2019) ?
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 (2019) ?
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

92 j

WCR and payment terms evolution
AGENCE CHARPENNES ROLIN BAINSON

Positioning of AGENCE CHARPENNES ROLIN BAINSON in its sector

Comparison with sector Agences immobilières

Valuation estimate

Based on 113 transactions of similar company sales in 2019, the value of AGENCE CHARPENNES ROLIN BAINSON is estimated at 212 584 € (range 101 871€ - 547 342€). With an EBITDA of 64 857€, the sector multiple of 3.0x is applied. The price/revenue ratio is 0.30x (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.

Estimated enterprise value 2019
113 transactions
101k€ 212k€ 547k€
212 584 € Range: 101 871€ - 547 342€
NAF 5 année 2019

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
64 857 € × 3.0x
Estimation 192 441 €
84 704€ - 509 050€
Revenue Multiple 30%
394 992 € × 0.30x
Estimation 119 160 €
72 791€ - 248 417€
Net Income Multiple 20%
153 273 € × 2.6x
Estimation 403 080 €
188 414€ - 1 091 461€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 113 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 CHARPENNES ROLIN BAINSON with other companies in the same sector:

Voir toutes les statistiques du secteur Agences immobilières

Frequently asked questions about AGENCE CHARPENNES ROLIN BAINSON

What is the revenue of AGENCE CHARPENNES ROLIN BAINSON ?

The revenue of AGENCE CHARPENNES ROLIN BAINSON in 2019 is 395 k€.

Is AGENCE CHARPENNES ROLIN BAINSON profitable?

Yes, AGENCE CHARPENNES ROLIN BAINSON generated a net profit of 153 k€ in 2019.

Where is the headquarters of AGENCE CHARPENNES ROLIN BAINSON ?

The headquarters of AGENCE CHARPENNES ROLIN BAINSON is located in VILLEURBANNE (69100), in the department Rhone.

Where to find the tax return of AGENCE CHARPENNES ROLIN BAINSON ?

The tax return of AGENCE CHARPENNES ROLIN BAINSON 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 CHARPENNES ROLIN BAINSON operate?

AGENCE CHARPENNES ROLIN BAINSON operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.