AGENCEMENT & POSE PASCAL STOLTZ : revenue, balance sheet and financial ratios

AGENCEMENT & POSE PASCAL STOLTZ is a French company founded 18 years ago, specialized in the sector Commerce de détail de meubles. Based in SAINT-PARRES-AUX-TERTRES (10410), this company of category PME shows in 2024 a revenue of 3.2 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

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

Financial history - AGENCEMENT & POSE PASCAL STOLTZ (SIREN 498408780)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 3 215 599 € 3 359 773 € 3 876 734 € 3 108 966 € 2 905 484 € 3 782 234 € 4 798 191 € 2 684 557 € 2 162 974 €
Net income -28 612 € -23 682 € 104 952 € -8 498 € 20 917 € 85 637 € 93 609 € 912 € 105 481 €
EBITDA 23 890 € -100 929 € 76 424 € -14 859 € 33 069 € 150 525 € 116 757 € 1 735 € 173 357 €
Net margin -0.9% -0.7% 2.7% -0.3% 0.7% 2.3% 2.0% 0.0% 4.9%

Revenue and income statement

In 2024, AGENCEMENT & POSE PASCAL STOLTZ achieves revenue of 3.2 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +5.1%. Slight decline of -4% vs 2023. After deducting consumption (1.5 M€), gross margin stands at 1.7 M€, i.e. a rate of 53%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 24 k€, representing 0.7% of revenue. Positive scissor effect: EBITDA margin improves by +3.7 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -29 k€ (-0.9% of revenue), which will impact equity.

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

3 215 599 €

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

1 705 921 €

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

23 890 €

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

-42 304 €

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

-28 612 €

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

0.7%

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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 0%. 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 30%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 0.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

0.45%

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

29.717%

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

0.353%

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

0.132

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

16.3%

Solvency indicators evolution
AGENCEMENT & POSE PASCAL STOLTZ

Sector positioning

Debt ratio
0.45 2024
2022
2023
2024
Q1: 1.63
Med: 24.85
Q3: 81.95
Excellent -26 pts over 3 years

In 2024, the debt ratio of AGENCEMENT & POSE PASCAL ... (0.45) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
29.72% 2024
2022
2023
2024
Q1: 11.72%
Med: 29.88%
Q3: 50.21%
Average

In 2024, the financial autonomy of AGENCEMENT & POSE PASCAL ... (29.7%) 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
0.13 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.47 years
Q3: 2.71 years
Good -22 pts over 3 years

In 2024, the repayment capacity of AGENCEMENT & POSE PASCAL ... (0.13) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 401.10. 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 8.1x. Operating income very largely covers interest expenses: high safety margin.

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

401.099

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

8.125

Liquidity indicators evolution
AGENCEMENT & POSE PASCAL STOLTZ

Sector positioning

Liquidity ratio
401.1 2024
2022
2023
2024
Q1: 115.32
Med: 162.76
Q3: 261.62
Excellent

In 2024, the liquidity ratio of AGENCEMENT & POSE PASCAL ... (401.10) 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
8.12x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.87x
Q3: 6.35x
Excellent

In 2024, the interest coverage of AGENCEMENT & POSE PASCAL ... (8.1x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.

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: 9 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 14 days. Favorable situation: supplier credit is longer than customer credit by 5 days. Inventory turnover is 34 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. WCR is negative (-8 days): operations structurally generate cash.

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

-68 331 €

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

9 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

14 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

34 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

-8 j

WCR and payment terms evolution
AGENCEMENT & POSE PASCAL STOLTZ

Positioning of AGENCEMENT & POSE PASCAL STOLTZ in its sector

Comparison with sector Commerce de détail de meubles

Valuation estimate

Based on 61 transactions of similar company sales in 2024, the value of AGENCEMENT & POSE PASCAL STOLTZ is estimated at 336 024 € (range 247 317€ - 458 212€). With an EBITDA of 23 890€, the sector multiple of 4.7x is applied. The price/revenue ratio is 0.22x (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
61 tx
247k€ 336k€ 458k€
336 024 € Range: 247 317€ - 458 212€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
23 890 € × 4.7x
Estimation 112 645 €
81 161€ - 175 549€
Revenue Multiple 30%
3 215 599 € × 0.22x
Estimation 708 324 €
524 246€ - 929 318€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 61 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 (Commerce de détail de meubles)

Compare AGENCEMENT & POSE PASCAL STOLTZ with other companies in the same sector:

Voir toutes les statistiques du secteur Commerce de détail de meubles

Frequently asked questions about AGENCEMENT & POSE PASCAL STOLTZ

What is the revenue of AGENCEMENT & POSE PASCAL STOLTZ ?

The revenue of AGENCEMENT & POSE PASCAL STOLTZ in 2024 is 3.2 M€.

Is AGENCEMENT & POSE PASCAL STOLTZ profitable?

AGENCEMENT & POSE PASCAL STOLTZ recorded a net loss in 2024.

Where is the headquarters of AGENCEMENT & POSE PASCAL STOLTZ ?

The headquarters of AGENCEMENT & POSE PASCAL STOLTZ is located in SAINT-PARRES-AUX-TERTRES (10410), in the department Aube.

Where to find the tax return of AGENCEMENT & POSE PASCAL STOLTZ ?

The tax return of AGENCEMENT & POSE PASCAL STOLTZ 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 AGENCEMENT & POSE PASCAL STOLTZ operate?

AGENCEMENT & POSE PASCAL STOLTZ operates in the sector Commerce de détail de meubles (NAF code 47.59A). See the 'Sector positioning' section above to compare the company with its competitors.