AGENCE IMMOBILIERE DU LAC : revenue, balance sheet and financial ratios

AGENCE IMMOBILIERE DU LAC is a French company founded 25 years ago, specialized in the sector Agences immobilières. Based in SAINT-PHILBERT-DE-GRAND-LIEU (44310), this company of category PME shows in 2024 a revenue of 116 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 IMMOBILIERE DU LAC (SIREN 432338457)
Indicator 2024 2023 2022 2021 2020 2019 2017
Revenue 116 015 € 779 247 € 1 380 929 € 1 096 017 € 1 645 091 € 1 537 279 € 1 384 466 €
Net income 735 573 € 35 231 € 285 954 € 277 831 € 82 264 € 58 107 € 184 825 €
EBITDA -325 606 € -14 249 € 28 151 € 48 682 € 97 424 € 69 512 € 82 516 €
Net margin 634.0% 4.5% 20.7% 25.3% 5.0% 3.8% 13.3%

Revenue and income statement

In 2024, AGENCE IMMOBILIERE DU LAC achieves revenue of 116 k€. Revenue is declining over the period 2017-2024 (CAGR: -29.8%). Significant drop of -85% vs 2023. After deducting consumption (0 €), gross margin stands at 116 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 -326 k€, representing -280.7% of revenue. Warning negative scissor effect: despite revenue change (-85%), EBITDA varies by -2185%, reducing margin by 278.8 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 736 k€, i.e. 634.0% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

116 015 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

116 015 €

EBITDA (2024) ?
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

-325 606 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-290 867 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

735 573 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-280.7%

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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 20%. 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 79%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

19.706%

Financial autonomy (2024) ?
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

79.076%

Cash flow / Revenue (2024) ?
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

-215.093%

Repayment capacity (2024) ?
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

-1.463

Asset age ratio (2024) ?
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

74.5%

Solvency indicators evolution
AGENCE IMMOBILIERE DU LAC

Sector positioning

Debt ratio
19.71 2024
2022
2023
2024
Q1: 0.0
Med: 10.0
Q3: 66.37
Average -6 pts over 3 years

In 2024, the debt ratio of AGENCE IMMOBILIERE DU LAC (19.71) 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
79.08% 2024
2022
2023
2024
Q1: 2.98%
Med: 26.19%
Q3: 60.09%
Excellent +6 pts over 3 years

In 2024, the financial autonomy of AGENCE IMMOBILIERE DU LAC (79.1%) 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
-1.46 years 2024
2022
2023
2024
Q1: -0.05 years
Med: 0.0 years
Q3: 1.48 years
Excellent -50 pts over 3 years

In 2024, the repayment capacity of AGENCE IMMOBILIERE DU LAC (-1.46) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 2065.91. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
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

2065.913

Interest coverage (2024) ?
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

-0.831

Liquidity indicators evolution
AGENCE IMMOBILIERE DU LAC

Sector positioning

Liquidity ratio
2065.91 2024
2022
2023
2024
Q1: 104.02
Med: 180.58
Q3: 478.24
Excellent

In 2024, the liquidity ratio of AGENCE IMMOBILIERE DU LAC (2065.91) 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
-0.83x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 1.3x
Average -50 pts over 3 years

In 2024, the interest coverage of AGENCE IMMOBILIERE DU LAC (-0.8x) 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: 249 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 18 days. The gap of 231 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 6339 days of revenue, i.e. 2.0 M€ to permanently finance. Over 2017-2024, WCR increased by +2240%, requiring additional financing.

Operating WCR (2024) ?
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

2 042 937 €

Customer credit (2024) ?
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

249 j

Supplier credit (2024) ?
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

18 j

Inventory turnover (2024) ?
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 (2024) ?
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

6339 j

WCR and payment terms evolution
AGENCE IMMOBILIERE DU LAC

Positioning of AGENCE IMMOBILIERE DU LAC in its sector

Comparison with sector Agences immobilières

Valuation estimate

Based on 64 transactions of similar company sales in 2024, the value of AGENCE IMMOBILIERE DU LAC is estimated at 1 497 793 € (range 661 372€ - 3 320 070€). The price/revenue ratio is 0.33x (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 2024
64 tx
661k€ 1497k€ 3320k€
1 497 793 € Range: 661 372€ - 3 320 070€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
116 015 € × 0.33x
Estimation 38 071 €
21 623€ - 86 654€
Net Income Multiple 20%
735 573 € × 5.0x
Estimation 3 687 376 €
1 620 996€ - 8 170 195€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 64 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 IMMOBILIERE DU LAC with other companies in the same sector:

Voir toutes les statistiques du secteur Agences immobilières

Frequently asked questions about AGENCE IMMOBILIERE DU LAC

What is the revenue of AGENCE IMMOBILIERE DU LAC ?

The revenue of AGENCE IMMOBILIERE DU LAC in 2024 is 116 k€.

Is AGENCE IMMOBILIERE DU LAC profitable?

Yes, AGENCE IMMOBILIERE DU LAC generated a net profit of 736 k€ in 2024.

Where is the headquarters of AGENCE IMMOBILIERE DU LAC ?

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

Where to find the tax return of AGENCE IMMOBILIERE DU LAC ?

The tax return of AGENCE IMMOBILIERE DU LAC 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 IMMOBILIERE DU LAC operate?

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