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AGENCE DEBORAH MASSON IMMOBILIER : revenue, balance sheet and financial ratios

AGENCE DEBORAH MASSON IMMOBILIER is a French company founded 21 years ago, specialized in the sector Agences immobilières. Based in SAINT-ETIENNE (42000), this company of category PME shows in 2018 a revenue of 205 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 DEBORAH MASSON IMMOBILIER (SIREN 481981215)
Indicator 2018
Revenue 205 433 €
Net income 49 €
EBITDA -16 734 €
Net margin 0.0%

Revenue and income statement

In 2018, AGENCE DEBORAH MASSON IMMOBILIER achieves revenue of 205 k€. After deducting consumption (0 €), gross margin stands at 205 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 -17 k€, representing -8.1% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 49 €, i.e. 0.0% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2018) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

205 433 €

Gross margin (2018) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

205 433 €

EBITDA (2018) ?
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

-16 734 €

EBIT (2018) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

2 281 €

Net income (2018) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

49 €

EBITDA margin (2018) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-8.1%

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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 126%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 17%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 3.3 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 4.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2018) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

125.785%

Financial autonomy (2018) ?
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

17.102%

Cash flow / Revenue (2018) ?
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

4.063%

Repayment capacity (2018) ?
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

3.302

Asset age ratio (2018) ?
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

40.1%

Solvency indicators evolution
AGENCE DEBORAH MASSON IMMOBILIER

Sector positioning

Debt ratio
125.78 2018
2018
Q1: 0.0
Med: 9.52
Q3: 65.83
Average

In 2018, the debt ratio of AGENCE DEBORAH MASSON IMM... (125.78) 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
17.1% 2018
2018
Q1: 6.23%
Med: 31.51%
Q3: 61.2%
Average

In 2018, the financial autonomy of AGENCE DEBORAH MASSON IMM... (17.1%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
3.3 years 2018
2018
Q1: 0.0 years
Med: 0.0 years
Q3: 1.19 years
Average

In 2018, the repayment capacity of AGENCE DEBORAH MASSON IMM... (3.30) 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 102.84. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2018) ?
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

102.838

Interest coverage (2018) ?
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

-7.237

Liquidity indicators evolution
AGENCE DEBORAH MASSON IMMOBILIER

Sector positioning

Liquidity ratio
102.84 2018
2018
Q1: 105.47
Med: 171.71
Q3: 369.35
Average

In 2018, the liquidity ratio of AGENCE DEBORAH MASSON IMM... (102.84) 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
-7.24x 2018
2018
Q1: 0.0x
Med: 0.0x
Q3: 1.42x
Average

In 2018, the interest coverage of AGENCE DEBORAH MASSON IMM... (-7.2x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 42 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 39 days. The company must finance 3 days of gap between collections and payments. WCR is negative (-133 days): operations structurally generate cash.

Operating WCR (2018) ?
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

-76 088 €

Customer credit (2018) ?
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

42 j

Supplier credit (2018) ?
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

39 j

Inventory turnover (2018) ?
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 (2018) ?
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

-133 j

WCR and payment terms evolution
AGENCE DEBORAH MASSON IMMOBILIER

Positioning of AGENCE DEBORAH MASSON IMMOBILIER in its sector

Comparison with sector Agences immobilières

Valuation estimate

Based on 102 transactions of similar company sales in 2018, the value of AGENCE DEBORAH MASSON IMMOBILIER is estimated at 44 054 € (range 20 825€ - 98 268€). The price/revenue ratio is 0.36x (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 2018
102 transactions
20k€ 44k€ 98k€
44 054 € Range: 20 825€ - 98 268€
NAF 5 année 2018

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
205 433 € × 0.36x
Estimation 73 344 €
34 672€ - 163 564€
Net Income Multiple 20%
49 € × 2.4x
Estimation 120 €
55€ - 325€
How is this estimate calculated?

This estimate is based on the analysis of 102 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 DEBORAH MASSON IMMOBILIER with other companies in the same sector:

Voir toutes les statistiques du secteur Agences immobilières

Frequently asked questions about AGENCE DEBORAH MASSON IMMOBILIER

What is the revenue of AGENCE DEBORAH MASSON IMMOBILIER ?

The revenue of AGENCE DEBORAH MASSON IMMOBILIER in 2018 is 205 k€.

Is AGENCE DEBORAH MASSON IMMOBILIER profitable?

Yes, AGENCE DEBORAH MASSON IMMOBILIER generated a net profit of 49€ in 2018.

Where is the headquarters of AGENCE DEBORAH MASSON IMMOBILIER ?

The headquarters of AGENCE DEBORAH MASSON IMMOBILIER is located in SAINT-ETIENNE (42000), in the department Loire.

Where to find the tax return of AGENCE DEBORAH MASSON IMMOBILIER ?

The tax return of AGENCE DEBORAH MASSON IMMOBILIER 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 DEBORAH MASSON IMMOBILIER operate?

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