ARVERNES VEHICULES UTILITAIRES : revenue, balance sheet and financial ratios

ARVERNES VEHICULES UTILITAIRES is a French company founded 59 years ago, specialized in the sector Location de courte durée de voitures et de véhicules automobiles légers. Based in SAINT-GERMAIN-LAPRADE (43700), this company of category PME shows in 2024 a revenue of 286 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

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

Financial history - ARVERNES VEHICULES UTILITAIRES (SIREN 586750051)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 285 684 € 319 285 € 263 372 € 225 054 € 220 172 € 328 085 € 338 992 € 337 110 € 338 925 €
Net income 117 246 € 98 535 € 91 719 € 59 916 € 62 321 € 476 095 € 111 123 € 123 802 € 114 110 €
EBITDA 219 138 € 191 222 € 198 642 € 163 233 € 158 631 € 228 305 € 250 026 € 250 292 € 252 990 €
Net margin 41.0% 30.9% 34.8% 26.6% 28.3% 145.1% 32.8% 36.7% 33.7%

Revenue and income statement

In 2024, ARVERNES VEHICULES UTILITAIRES achieves revenue of 286 k€. Activity remains stable over the period (CAGR: -2.1%). Significant drop of -11% vs 2023. After deducting consumption (0 €), gross margin stands at 286 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 219 k€, representing 76.7% of revenue. Positive scissor effect: EBITDA margin improves by +16.8 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 117 k€, i.e. 41.0% 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

285 684 €

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

285 684 €

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

219 138 €

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

155 545 €

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

117 246 €

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

76.7%

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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 58%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 58%. 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 3.1 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 63.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

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

58.208%

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

58.094%

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

63.299%

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

3.083

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

46.3%

Solvency indicators evolution
ARVERNES VEHICULES UTILITAIRES

Sector positioning

Debt ratio
58.21 2024
2022
2023
2024
Q1: 0.0
Med: 14.45
Q3: 116.44
Average

In 2024, the debt ratio of ARVERNES VEHICULES UTILIT... (58.21) 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
58.09% 2024
2022
2023
2024
Q1: 0.16%
Med: 21.35%
Q3: 49.45%
Excellent +5 pts over 3 years

In 2024, the financial autonomy of ARVERNES VEHICULES UTILIT... (58.1%) 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
3.08 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.01 years
Q3: 2.21 years
Average

In 2024, the repayment capacity of ARVERNES VEHICULES UTILIT... (3.08) 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 660.67. 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 6.3x. 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

660.671

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

6.285

Liquidity indicators evolution
ARVERNES VEHICULES UTILITAIRES

Sector positioning

Liquidity ratio
660.67 2024
2022
2023
2024
Q1: 75.41
Med: 176.35
Q3: 352.3
Excellent

In 2024, the liquidity ratio of ARVERNES VEHICULES UTILIT... (660.67) 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
6.29x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 6.57x
Good

In 2024, the interest coverage of ARVERNES VEHICULES UTILIT... (6.3x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. 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: 140 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 147 days. Favorable situation: supplier credit is longer than customer credit by 7 days. Overall, WCR represents 25 days of revenue, i.e. 20 k€ to permanently finance. Notable WCR improvement over the period (-60%), freeing up 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

19 692 €

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

140 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

147 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

25 j

WCR and payment terms evolution
ARVERNES VEHICULES UTILITAIRES

Positioning of ARVERNES VEHICULES UTILITAIRES in its sector

Comparison with sector Location de courte durée de voitures et de véhicules automobiles légers

Valuation estimate

Based on 276 transactions of similar company sales (all years), the value of ARVERNES VEHICULES UTILITAIRES is estimated at 1 797 029 € (range 320 082€ - 2 889 824€). With an EBITDA of 219 138€, the sector multiple of 11.9x is applied. The price/revenue ratio is 2.33x (premium 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.

Estimated enterprise value 2024
276 transactions
320k€ 1797k€ 2889k€
1 797 029 € Range: 320 082€ - 2 889 824€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
219 138 € × 11.9x
Estimation 2 618 356 €
532 449€ - 3 562 680€
Revenue Multiple 30%
285 684 € × 2.33x
Estimation 666 681 €
155 652€ - 866 905€
Net Income Multiple 20%
117 246 € × 12.3x
Estimation 1 439 238 €
35 809€ - 4 242 066€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 276 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 (Location de courte durée de voitures et de véhicules automobiles légers)

Compare ARVERNES VEHICULES UTILITAIRES with other companies in the same sector:

Voir toutes les statistiques du secteur Location de courte durée de voitures et de véhicules automobiles légers

Frequently asked questions about ARVERNES VEHICULES UTILITAIRES

What is the revenue of ARVERNES VEHICULES UTILITAIRES ?

The revenue of ARVERNES VEHICULES UTILITAIRES in 2024 is 286 k€.

Is ARVERNES VEHICULES UTILITAIRES profitable?

Yes, ARVERNES VEHICULES UTILITAIRES generated a net profit of 117 k€ in 2024.

Where is the headquarters of ARVERNES VEHICULES UTILITAIRES ?

The headquarters of ARVERNES VEHICULES UTILITAIRES is located in SAINT-GERMAIN-LAPRADE (43700), in the department Haute-Loire.

Where to find the tax return of ARVERNES VEHICULES UTILITAIRES ?

The tax return of ARVERNES VEHICULES UTILITAIRES 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 ARVERNES VEHICULES UTILITAIRES operate?

ARVERNES VEHICULES UTILITAIRES operates in the sector Location de courte durée de voitures et de véhicules automobiles légers (NAF code 77.11A). See the 'Sector positioning' section above to compare the company with its competitors.