ARMANDO FRADE : revenue, balance sheet and financial ratios

ARMANDO FRADE is a French company founded 18 years ago, specialized in the sector Travaux d'isolation. Based in ANDILLY (95580), this company of category PME shows in 2022 a revenue of 2.1 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 - ARMANDO FRADE (SIREN 501841092)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue N/C N/C 2 120 705 € N/C N/C N/C 2 652 018 € 1 879 180 € 1 513 340 €
Net income 27 629 € 9 125 € 25 052 € 10 861 € 8 821 € 34 450 € 69 700 € 51 200 € -98 646 €
EBITDA N/C N/C 74 057 € N/C N/C N/C 63 691 € 60 816 € -103 617 €
Net margin N/C N/C 1.2% N/C N/C N/C 2.6% 2.7% -6.5%

Revenue and income statement

In 2024, ARMANDO FRADE generates positive net income of 28 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax.

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

27 629 €

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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 7%. 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 59%. 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

7.34%

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

59.049%

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

9.8%

Solvency indicators evolution
ARMANDO FRADE

Sector positioning

Debt ratio
7.34 2024
2022
2023
2024
Q1: 0.52
Med: 13.18
Q3: 45.45
Good -8 pts over 3 years

In 2024, the debt ratio of ARMANDO FRADE (7.34) 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
59.05% 2024
2022
2023
2024
Q1: 10.35%
Med: 33.63%
Q3: 54.43%
Excellent

In 2024, the financial autonomy of ARMANDO FRADE (59.0%) 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
1.73 years 2022
2022
Q1: 0.0 years
Med: 0.16 years
Q3: 1.68 years
Average

In 2022, the repayment capacity of ARMANDO FRADE (1.73) 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 228.75. 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

228.754

Liquidity indicators evolution
ARMANDO FRADE

Sector positioning

Liquidity ratio
228.75 2024
2022
2023
2024
Q1: 139.62
Med: 199.69
Q3: 307.67
Good -18 pts over 3 years

In 2024, the liquidity ratio of ARMANDO FRADE (228.75) 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.

Interest coverage
2.66x 2022
2022
Q1: 0.0x
Med: 0.19x
Q3: 2.2x
Excellent

In 2022, the interest coverage of ARMANDO FRADE (2.7x) 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.

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

0 €

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

0 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

0 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 and payment terms evolution
ARMANDO FRADE

Positioning of ARMANDO FRADE in its sector

Comparison with sector Travaux d'isolation

Valuation estimate

Based on 58 transactions of similar company sales (all years), the value of ARMANDO FRADE is estimated at 101 393 € (range 51 119€ - 295 533€). 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
58 tx
51k€ 101k€ 295k€
101 393 € Range: 51 119€ - 295 533€
NAF 5 all-time

Valuation method used

Net Income Multiple
27 629 € × 3.7x = 101 393 €
Range: 51 119€ - 295 534€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 58 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 (Travaux d'isolation)

Compare ARMANDO FRADE with other companies in the same sector:

Frequently asked questions about ARMANDO FRADE

What is the revenue of ARMANDO FRADE ?

The revenue of ARMANDO FRADE in 2022 is 2.1 M€.

Is ARMANDO FRADE profitable?

Yes, ARMANDO FRADE generated a net profit of 28 k€ in 2024.

Where is the headquarters of ARMANDO FRADE ?

The headquarters of ARMANDO FRADE is located in ANDILLY (95580), in the department Val-d'Oise.

Where to find the tax return of ARMANDO FRADE ?

The tax return of ARMANDO FRADE 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 ARMANDO FRADE operate?

ARMANDO FRADE operates in the sector Travaux d'isolation (NAF code 43.29A). See the 'Sector positioning' section above to compare the company with its competitors.