AGENCE DE GESTION ET DE FINANCES : revenue, balance sheet and financial ratios

AGENCE DE GESTION ET DE FINANCES is a French company founded 19 years ago, specialized in the sector Administration d'immeubles et autres biens immobiliers. Based in MARCQ-EN-BARŒUL (59700), this company of category PME shows in 2021 a revenue of 189 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

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

Financial history - AGENCE DE GESTION ET DE FINANCES (SIREN 490907912)
Indicator 2021 2020 2019 2018 2017 2016
Revenue 188 769 € 142 724 € 157 676 € 338 227 € 279 992 € 253 926 €
Net income 35 426 € 3 002 € 17 396 € 50 256 € 37 630 € 40 676 €
EBITDA 38 777 € -11 734 € 15 812 € 116 439 € 95 591 € 53 624 €
Net margin 18.8% 2.1% 11.0% 14.9% 13.4% 16.0%

Revenue and income statement

In 2021, AGENCE DE GESTION ET DE FINANCES achieves revenue of 189 k€. Revenue is declining over the period 2016-2021 (CAGR: -5.8%). Vs 2020, growth of +32% (143 k€ -> 189 k€). After deducting consumption (5 €), gross margin stands at 189 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 39 k€, representing 20.5% of revenue. Positive scissor effect: EBITDA margin improves by +28.8 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 35 k€, i.e. 18.8% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2021) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

188 769 €

Gross margin (2021) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

188 764 €

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

38 777 €

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

39 824 €

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

35 426 €

EBITDA margin (2021) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

19.7%

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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 17%. 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 60%. 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 1.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 17.5% 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 (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

17.014%

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

59.834%

Cash flow / Revenue (2021) ?
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

17.495%

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

1.249

Solvency indicators evolution
AGENCE DE GESTION ET DE FINANCES

Sector positioning

Debt ratio
17.01 2021
2019
2020
2021
Q1: 0.0
Med: 10.87
Q3: 80.51
Average

In 2021, the debt ratio of AGENCE DE GESTION ET DE F... (17.01) 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
59.83% 2021
2019
2020
2021
Q1: 3.76%
Med: 15.9%
Q3: 47.5%
Excellent

In 2021, the financial autonomy of AGENCE DE GESTION ET DE F... (59.8%) 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
1.25 years 2021
2019
2020
2021
Q1: 0.0 years
Med: 0.12 years
Q3: 3.58 years
Average +5 pts over 3 years

In 2021, the repayment capacity of AGENCE DE GESTION ET DE F... (1.25) 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 211.19. 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 1.9x. Coverage is limited: any activity downturn would jeopardize interest payments.

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

211.187

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

1.937

Liquidity indicators evolution
AGENCE DE GESTION ET DE FINANCES

Sector positioning

Liquidity ratio
211.19 2021
2019
2020
2021
Q1: 101.64
Med: 121.16
Q3: 392.63
Good +56 pts over 3 years

In 2021, the liquidity ratio of AGENCE DE GESTION ET DE F... (211.19) 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.

Interest coverage
1.94x 2021
2019
2020
2021
Q1: 0.0x
Med: 0.0x
Q3: 3.57x
Good -11 pts over 3 years

In 2021, the interest coverage of AGENCE DE GESTION ET DE F... (1.9x) 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: 355 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 115 days. The gap of 240 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 370 days of revenue, i.e. 194 k€ to permanently finance. Over 2016-2021, WCR increased by +72%, requiring additional financing.

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

193 813 €

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

355 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

115 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 in days of revenue (2021) ?
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

370 j

WCR and payment terms evolution
AGENCE DE GESTION ET DE FINANCES

Positioning of AGENCE DE GESTION ET DE FINANCES in its sector

Comparison with sector Administration d'immeubles et autres biens immobiliers

Valuation estimate

Based on 58 transactions of similar company sales in 2021, the value of AGENCE DE GESTION ET DE FINANCES is estimated at 137 430 € (range 36 508€ - 206 256€). With an EBITDA of 38 777€, the sector multiple of 0.6x is applied. The price/revenue ratio is 1.47x (premium 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 2021
58 tx
36k€ 137k€ 206k€
137 430 € Range: 36 508€ - 206 256€
NAF 5 année 2021

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
38 777 € × 0.6x
Estimation 24 448 €
15 242€ - 47 478€
Revenue Multiple 30%
188 769 € × 1.47x
Estimation 278 127 €
51 214€ - 306 527€
Net Income Multiple 20%
35 426 € × 5.9x
Estimation 208 845 €
67 616€ - 452 799€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 58 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 (Administration d'immeubles et autres biens immobiliers)

Compare AGENCE DE GESTION ET DE FINANCES with other companies in the same sector:

Voir toutes les statistiques du secteur Administration d'immeubles et autres biens immobiliers

Frequently asked questions about AGENCE DE GESTION ET DE FINANCES

What is the revenue of AGENCE DE GESTION ET DE FINANCES ?

The revenue of AGENCE DE GESTION ET DE FINANCES in 2021 is 189 k€.

Is AGENCE DE GESTION ET DE FINANCES profitable?

Yes, AGENCE DE GESTION ET DE FINANCES generated a net profit of 35 k€ in 2021.

Where is the headquarters of AGENCE DE GESTION ET DE FINANCES ?

The headquarters of AGENCE DE GESTION ET DE FINANCES is located in MARCQ-EN-BARŒUL (59700), in the department Nord.

Where to find the tax return of AGENCE DE GESTION ET DE FINANCES ?

The tax return of AGENCE DE GESTION ET DE FINANCES 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 DE GESTION ET DE FINANCES operate?

AGENCE DE GESTION ET DE FINANCES operates in the sector Administration d'immeubles et autres biens immobiliers (NAF code 68.32A). See the 'Sector positioning' section above to compare the company with its competitors.