ATAC VAL DE LOIRE : revenue, balance sheet and financial ratios

ATAC VAL DE LOIRE is a French company founded 30 years ago, specialized in the sector Commerce de gros d'équipements automobiles. Based in LA CHAUSSEE-SAINT-VICTOR (41260), this company of category PME shows in 2025 a revenue of 1.3 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 - ATAC VAL DE LOIRE (SIREN 401986542)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017
Revenue 1 313 891 € N/C 1 284 382 € 1 069 730 € 1 068 265 € 839 452 € 844 876 € 901 204 € 985 520 €
Net income 27 775 € 187 687 € 33 714 € 15 471 € 26 865 € -34 731 € -1 636 € 192 € 13 291 €
EBITDA 60 086 € N/C 55 665 € 28 602 € 37 093 € 2 500 € 4 368 € 20 216 € 40 018 €
Net margin 2.1% N/C 2.6% 1.4% 2.5% -4.1% -0.2% 0.0% 1.3%

Revenue and income statement

In 2025, ATAC VAL DE LOIRE achieves revenue of 1.3 M€. Revenue is growing positively over 9 years (CAGR: +3.7%). After deducting consumption (761 k€), gross margin stands at 553 k€, i.e. a rate of 42%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 60 k€, representing 4.6% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 28 k€, i.e. 2.1% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

1 313 891 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

553 326 €

EBITDA (2025) ?
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

60 086 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

44 114 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

27 775 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

4.6%

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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 1076%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 5%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 6.8 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 3.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

1076.198%

Financial autonomy (2025) ?
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

4.697%

Cash flow / Revenue (2025) ?
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

3.31%

Repayment capacity (2025) ?
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

6.84

Asset age ratio (2025) ?
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

28.1%

Solvency indicators evolution
ATAC VAL DE LOIRE

Sector positioning

Debt ratio
1076.2 2025
2023
2025
Q1: 0.9
Med: 11.6
Q3: 38.39
Watch +59 pts over 2 years

In 2025, the debt ratio of ATAC VAL DE LOIRE (1076.20) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
4.7% 2025
2023
2024
2025
Q1: 32.99%
Med: 54.93%
Q3: 65.85%
Watch

In 2025, the financial autonomy of ATAC VAL DE LOIRE (4.7%) ranks in the bottom 25% of the sector. This ratio represents the share of equity in total financing. Low autonomy may limit investment capacity and increase vulnerability.

Repayment capacity
6.84 years 2025
2023
2025
Q1: 0.0 years
Med: 0.66 years
Q3: 2.23 years
Watch

In 2025, the repayment capacity of ATAC VAL DE LOIRE (6.84) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 199.79. 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 29.9x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2025) ?
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

199.795

Interest coverage (2025) ?
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

29.851

Liquidity indicators evolution
ATAC VAL DE LOIRE

Sector positioning

Liquidity ratio
199.79 2025
2023
2024
2025
Q1: 175.74
Med: 247.62
Q3: 348.53
Average -30 pts over 3 years

In 2025, the liquidity ratio of ATAC VAL DE LOIRE (199.79) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
29.85x 2025
2023
2025
Q1: 0.03x
Med: 2.21x
Q3: 8.69x
Excellent

In 2025, the interest coverage of ATAC VAL DE LOIRE (29.9x) 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: 28 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 69 days. Excellent situation: suppliers finance 41 days of the operating cycle (retail model). Inventory turnover is 63 days (= Average inventory / Cost of goods x 360). Overall, WCR represents 75 days of revenue, i.e. 273 k€ to permanently finance. Notable WCR improvement over the period (-31%), freeing up cash.

Operating WCR (2025) ?
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

272 987 €

Customer credit (2025) ?
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

28 j

Supplier credit (2025) ?
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

69 j

Inventory turnover (2025) ?
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

63 j

WCR in days of revenue (2025) ?
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

75 j

WCR and payment terms evolution
ATAC VAL DE LOIRE

Positioning of ATAC VAL DE LOIRE in its sector

Comparison with sector Commerce de gros d'équipements automobiles

Valuation estimate

Based on 213 transactions of similar company sales (all years), the value of ATAC VAL DE LOIRE is estimated at 111 007 € (range 56 002€ - 248 734€). With an EBITDA of 60 086€, the sector multiple of 1.3x is applied. The price/revenue ratio is 0.14x (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.

Estimated enterprise value 2025
213 transactions
56k€ 111k€ 248k€
111 007 € Range: 56 002€ - 248 734€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
60 086 € × 1.3x
Estimation 79 839 €
32 825€ - 179 835€
Revenue Multiple 30%
1 313 891 € × 0.14x
Estimation 187 732 €
118 323€ - 438 977€
Net Income Multiple 20%
27 775 € × 2.7x
Estimation 73 843 €
20 468€ - 135 621€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 213 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 gros d'équipements automobiles)

Compare ATAC VAL DE LOIRE with other companies in the same sector:

Voir toutes les statistiques du secteur Commerce de gros d'équipements automobiles

Frequently asked questions about ATAC VAL DE LOIRE

What is the revenue of ATAC VAL DE LOIRE ?

The revenue of ATAC VAL DE LOIRE in 2025 is 1.3 M€.

Is ATAC VAL DE LOIRE profitable?

Yes, ATAC VAL DE LOIRE generated a net profit of 28 k€ in 2025.

Where is the headquarters of ATAC VAL DE LOIRE ?

The headquarters of ATAC VAL DE LOIRE is located in LA CHAUSSEE-SAINT-VICTOR (41260), in the department Loir-et-Cher.

Where to find the tax return of ATAC VAL DE LOIRE ?

The tax return of ATAC VAL DE LOIRE 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 ATAC VAL DE LOIRE operate?

ATAC VAL DE LOIRE operates in the sector Commerce de gros d'équipements automobiles (NAF code 45.31Z). See the 'Sector positioning' section above to compare the company with its competitors.