AGENCE GAMBETTA IMMOBILIER : revenue, balance sheet and financial ratios

AGENCE GAMBETTA IMMOBILIER is a French company founded 34 years ago, specialized in the sector Agences immobilières. Based in LA CHARITE-SUR-LOIRE (58400), this company of category PME shows in 2020 a revenue of 32 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 GAMBETTA IMMOBILIER (SIREN 383172780)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue N/C N/C N/C N/C N/C 32 146 € 35 098 € 55 657 € 77 852 € 70 709 €
Net income 0 € 0 € 0 € 0 € 0 € 405 € 20 621 € 5 281 € 13 466 € 4 376 €
EBITDA N/C N/C N/C N/C N/C 378 € -2 238 € 3 562 € 16 715 € 4 626 €
Net margin N/C N/C N/C N/C N/C 1.3% 58.8% 9.5% 17.3% 6.2%

Revenue and income statement

In 2025, AGENCE GAMBETTA IMMOBILIER records a net loss of 0 €. This deficit will reduce equity on the balance sheet. Change over 2016-2020: 4 k€ -> 0 €.

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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 9%. 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 5%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

9.156%

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

5.001%

Solvency indicators evolution
AGENCE GAMBETTA IMMOBILIER

Sector positioning

Debt ratio
9.16 2025
2023
2024
2025
Q1: 0.01
Med: 9.42
Q3: 52.76
Good -15 pts over 3 years

In 2025, the debt ratio of AGENCE GAMBETTA IMMOBILIER (9.16) 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
5.0% 2025
2023
2024
2025
Q1: 6.31%
Med: 33.52%
Q3: 61.17%
Average -21 pts over 3 years

In 2025, the financial autonomy of AGENCE GAMBETTA IMMOBILIER (5.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 201.99. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

201.994

Liquidity indicators evolution
AGENCE GAMBETTA IMMOBILIER

Sector positioning

Liquidity ratio
201.99 2025
2023
2024
2025
Q1: 108.7
Med: 191.05
Q3: 464.46
Good

In 2025, the liquidity ratio of AGENCE GAMBETTA IMMOBILIER (201.99) 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.

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: 514 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 721 days. Excellent situation: suppliers finance 207 days of the operating cycle (retail model).

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

0 €

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

514 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

721 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 and payment terms evolution
AGENCE GAMBETTA IMMOBILIER

Positioning of AGENCE GAMBETTA IMMOBILIER in its sector

Comparison with sector Agences immobilières

Similar companies (Agences immobilières)

Compare AGENCE GAMBETTA IMMOBILIER with other companies in the same sector:

Frequently asked questions about AGENCE GAMBETTA IMMOBILIER

What is the revenue of AGENCE GAMBETTA IMMOBILIER ?

The revenue of AGENCE GAMBETTA IMMOBILIER in 2020 is 32 k€.

Is AGENCE GAMBETTA IMMOBILIER profitable?

Yes, AGENCE GAMBETTA IMMOBILIER generated a net profit of 405€ in 2020.

Where is the headquarters of AGENCE GAMBETTA IMMOBILIER ?

The headquarters of AGENCE GAMBETTA IMMOBILIER is located in LA CHARITE-SUR-LOIRE (58400), in the department Nievre.

Where to find the tax return of AGENCE GAMBETTA IMMOBILIER ?

The tax return of AGENCE GAMBETTA 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 GAMBETTA IMMOBILIER operate?

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