SIREN : 501527451
AGP FINANCES is a French company founded 18 years ago, specialized in the sector Activités des sièges sociaux. Based in SAINT-CALAIS (72120), this company of category PME shows in 2024 a revenue of 287 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 287 000 € | 270 000 € | 252 000 € | 211 700 € | 158 000 € | 184 000 € | 158 000 € | 222 600 € | 212 800 € |
| Net income | 19 972 € | -61 242 € | -33 143 € | 9 091 € | 10 287 € | 18 605 € | 20 620 € | -292 625 € | 33 089 € |
| EBITDA | 21 480 € | 22 781 € | 23 857 € | 19 542 € | 21 067 € | 24 924 € | 26 787 € | 32 402 € | 44 530 € |
| Net margin | 7.0% | -22.7% | -13.2% | 4.3% | 6.5% | 10.1% | 13.1% | -131.5% | 15.5% |
In 2024, AGP FINANCES achieves revenue of 287 k€. Revenue is growing positively over 9 years (CAGR: +3.8%). Vs 2023: +6%. After deducting consumption (0 €), gross margin stands at 287 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 21 k€, representing 7.5% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 20 k€, i.e. 7.0% of revenue. This profit can be retained or distributed to shareholders.
287 000 €
287 000 €
21 480 €
21 261 €
19 972 €
7.5%
The debt ratio (= Financial debt / Equity x 100) stands at 48%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 59%. 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 12.0 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 7.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
47.647%
59.014%
7.036%
11.977
31.4%
In 2024, the debt ratio of AGP FINANCES (47.65) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of AGP FINANCES (59.0%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
In 2024, the repayment capacity of AGP FINANCES (11.98) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 597.49. 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 6.0x. Operating income very largely covers interest expenses: high safety margin.
597.488
6.024
In 2024, the liquidity ratio of AGP FINANCES (597.49) 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.
In 2024, the interest coverage of AGP FINANCES (6.0x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 490 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 41 days. The gap of 449 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 340 days of revenue, i.e. 271 k€ to permanently finance. Over 2016-2024, WCR increased by +41%, requiring additional financing.
271 135 €
490 j
41 j
0 j
340 j
Based on 103 transactions of similar company sales in 2024, the value of AGP FINANCES is estimated at 124 527 € (range 37 838€ - 257 321€). With an EBITDA of 21 480€, the sector multiple of 5.0x is applied. The price/revenue ratio is 0.38x (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.
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This estimate is based on the analysis of 103 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare AGP FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sièges sociaux
The revenue of AGP FINANCES in 2024 is 287 k€.
Yes, AGP FINANCES generated a net profit of 20 k€ in 2024.
The headquarters of AGP FINANCES is located in SAINT-CALAIS (72120), in the department Sarthe.
The tax return of AGP 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).
AGP FINANCES operates in the sector Activités des sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.