AGENCE COMMERCIALE GRAND OUEST : revenue, balance sheet and financial ratios

AGENCE COMMERCIALE GRAND OUEST is a French company founded 10 years ago, specialized in the sector Autres intermédiaires du commerce en produits divers. Based in SAINT-PHILBERT-DE-GRAND-LIEU (44310), this company of category PME shows in 2025 a revenue of 1.1 M€. 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

Financial history - AGENCE COMMERCIALE GRAND OUEST (SIREN 818069312)
Indicator 2025 2024 2023 2022 2019
Revenue 1 148 479 € N/C N/C 1 528 131 € 645 701 €
Net income 190 127 € 219 778 € 342 867 € 389 275 € 10 339 €
EBITDA 203 752 € N/C N/C 514 966 € 134 763 €
Net margin 16.6% N/C N/C 25.5% 1.6%

Revenue and income statement

In 2025, AGENCE COMMERCIALE GRAND OUEST achieves revenue of 1.1 M€. Over the period 2019-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +10.1%. After deducting consumption (0 €), gross margin stands at 1.1 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 204 k€, representing 17.7% of 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 190 k€, i.e. 16.6% 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

1 148 479 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

1 148 479 €

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

203 752 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

254 415 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

190 127 €

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

17.6%

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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 65%. 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 12.1% 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

3.954%

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

65.257%

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

12.08%

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

0.157

Asset age ratio (2025) ?
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

38.8%

Solvency indicators evolution
AGENCE COMMERCIALE GRAND OUEST

Sector positioning

Debt ratio
3.95 2025
2023
2024
2025
Q1: 0.0
Med: 4.8
Q3: 30.28
Good -22 pts over 3 years

In 2025, the debt ratio of AGENCE COMMERCIALE GRAND ... (3.95) 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
65.26% 2025
2023
2024
2025
Q1: 10.66%
Med: 43.97%
Q3: 70.72%
Good +10 pts over 3 years

In 2025, the financial autonomy of AGENCE COMMERCIALE GRAND ... (65.3%) 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.

Repayment capacity
0.16 years 2025
2025
Q1: 0.0 years
Med: 0.03 years
Q3: 1.12 years
Average

In 2025, the repayment capacity of AGENCE COMMERCIALE GRAND ... (0.16) 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 263.79. 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 0.1x. Danger: operating income does not cover interest charges, unsustainable situation.

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

263.791

Interest coverage (2025) ?
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

0.104

Liquidity indicators evolution
AGENCE COMMERCIALE GRAND OUEST

Sector positioning

Liquidity ratio
263.79 2025
2023
2024
2025
Q1: 148.43
Med: 278.51
Q3: 620.74
Average

In 2025, the liquidity ratio of AGENCE COMMERCIALE GRAND ... (263.79) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
0.1x 2025
2025
Q1: 0.0x
Med: 0.0x
Q3: 1.97x
Good

In 2025, the interest coverage of AGENCE COMMERCIALE GRAND ... (0.1x) 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: 59 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 58 days. The company must finance 1 days of gap between collections and payments. Overall, WCR represents 46 days of revenue, i.e. 146 k€ to permanently finance. Over 2019-2025, WCR increased by +1926%, requiring additional financing.

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

145 972 €

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

59 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

58 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

46 j

WCR and payment terms evolution
AGENCE COMMERCIALE GRAND OUEST

Positioning of AGENCE COMMERCIALE GRAND OUEST in its sector

Comparison with sector Autres intermédiaires du commerce en produits divers

Valuation estimate

Based on 85 transactions of similar company sales (all years), the value of AGENCE COMMERCIALE GRAND OUEST is estimated at 263 792 € (range 141 937€ - 976 600€). With an EBITDA of 203 752€, the sector multiple of 1.0x is applied. The price/revenue ratio is 0.32x (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 value 2025
85 tx
141k€ 263k€ 976k€
263 792 € Range: 141 937€ - 976 600€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
203 752 € × 1.0x
Estimation 200 544 €
110 092€ - 888 808€
Revenue Multiple 30%
1 148 479 € × 0.32x
Estimation 371 031 €
206 652€ - 881 669€
Net Income Multiple 20%
190 127 € × 1.4x
Estimation 261 055 €
124 477€ - 1 338 479€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 85 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 (Autres intermédiaires du commerce en produits divers)

Compare AGENCE COMMERCIALE GRAND OUEST with other companies in the same sector:

Voir toutes les statistiques du secteur Autres intermédiaires du commerce en produits divers

Frequently asked questions about AGENCE COMMERCIALE GRAND OUEST

What is the revenue of AGENCE COMMERCIALE GRAND OUEST ?

The revenue of AGENCE COMMERCIALE GRAND OUEST in 2025 is 1.1 M€.

Is AGENCE COMMERCIALE GRAND OUEST profitable?

Yes, AGENCE COMMERCIALE GRAND OUEST generated a net profit of 190 k€ in 2025.

Where is the headquarters of AGENCE COMMERCIALE GRAND OUEST ?

The headquarters of AGENCE COMMERCIALE GRAND OUEST is located in SAINT-PHILBERT-DE-GRAND-LIEU (44310), in the department Loire-Atlantique.

Where to find the tax return of AGENCE COMMERCIALE GRAND OUEST ?

The tax return of AGENCE COMMERCIALE GRAND OUEST 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 COMMERCIALE GRAND OUEST operate?

AGENCE COMMERCIALE GRAND OUEST operates in the sector Autres intermédiaires du commerce en produits divers (NAF code 46.19B). See the 'Sector positioning' section above to compare the company with its competitors.