AVENIR COURTAGE CREDIT IMMOBILIER COLOMIERS : revenue, balance sheet and financial ratios

AVENIR COURTAGE CREDIT IMMOBILIER COLOMIERS is a French company founded 17 years ago, specialized in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.. Based in COLOMIERS (31770), this company of category PME shows in 2022 a revenue of 816 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 - AVENIR COURTAGE CREDIT IMMOBILIER COLOMIERS (SIREN 507923696)
Indicator 2022 2021 2020 2017 2016
Revenue 816 473 € N/C N/C 921 275 € 824 574 €
Net income 79 906 € 90 466 € 89 956 € 73 632 € 36 079 €
EBITDA 176 316 € N/C N/C 161 207 € 118 648 €
Net margin 9.8% N/C N/C 8.0% 4.4%

Revenue and income statement

In 2022, AVENIR COURTAGE CREDIT IMMOBILIER COLOMIERS achieves revenue of 816 k€. Activity remains stable over the period (CAGR: -0.2%). After deducting consumption (0 €), gross margin stands at 816 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 176 k€, representing 21.6% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 80 k€, i.e. 9.8% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

816 473 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

816 473 €

EBITDA (2022) ?
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

176 316 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

107 837 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

79 906 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

21.6%

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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 114%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 38%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 11.1% 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 (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

113.53%

Financial autonomy (2022) ?
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

38.027%

Cash flow / Revenue (2022) ?
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

11.148%

Repayment capacity (2022) ?
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

1.598

Asset age ratio (2022) ?
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

17.6%

Solvency indicators evolution
AVENIR COURTAGE CREDIT IMMOBILIER COLOMIERS

Sector positioning

Debt ratio
113.53 2022
2020
2021
2022
Q1: 0.0
Med: 7.69
Q3: 79.46
Average

In 2022, the debt ratio of AVENIR COURTAGE CREDIT IM... (113.53) 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
38.03% 2022
2020
2021
2022
Q1: 9.79%
Med: 43.97%
Q3: 76.41%
Average

In 2022, the financial autonomy of AVENIR COURTAGE CREDIT IM... (38.0%) 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
1.6 years 2022
2022
Q1: 0.0 years
Med: 0.0 years
Q3: 1.59 years
Average

In 2022, the repayment capacity of AVENIR COURTAGE CREDIT IM... (1.60) 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 474.86. 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 1.1x. Coverage is limited: any activity downturn would jeopardize interest payments.

Liquidity ratio (2022) ?
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

474.859

Interest coverage (2022) ?
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

1.114

Liquidity indicators evolution
AVENIR COURTAGE CREDIT IMMOBILIER COLOMIERS

Sector positioning

Liquidity ratio
474.86 2022
2020
2021
2022
Q1: 133.65
Med: 294.73
Q3: 834.04
Good

In 2022, the liquidity ratio of AVENIR COURTAGE CREDIT IM... (474.86) 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
1.11x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 0.91x
Excellent

In 2022, the interest coverage of AVENIR COURTAGE CREDIT IM... (1.1x) 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: 44 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 41 days. The company must finance 3 days of gap between collections and payments. Overall, WCR represents 48 days of revenue, i.e. 109 k€ to permanently finance. Over 2016-2022, WCR increased by +105%, requiring additional financing.

Operating WCR (2022) ?
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

108 803 €

Customer credit (2022) ?
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

44 j

Supplier credit (2022) ?
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

41 j

Inventory turnover (2022) ?
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 (2022) ?
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

48 j

WCR and payment terms evolution
AVENIR COURTAGE CREDIT IMMOBILIER COLOMIERS

Positioning of AVENIR COURTAGE CREDIT IMMOBILIER COLOMIERS in its sector

Comparison with sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Valuation estimate

Based on 103 transactions of similar company sales (all years), the value of AVENIR COURTAGE CREDIT IMMOBILIER COLOMIERS is estimated at 352 829 € (range 159 368€ - 785 901€). With an EBITDA of 176 316€, the sector multiple of 2.5x is applied. The price/revenue ratio is 0.30x (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 2022
103 transactions
159k€ 352k€ 785k€
352 829 € Range: 159 368€ - 785 901€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
176 316 € × 2.5x
Estimation 449 295 €
200 074€ - 883 435€
Revenue Multiple 30%
816 473 € × 0.30x
Estimation 249 015 €
132 472€ - 689 018€
Net Income Multiple 20%
79 906 € × 3.3x
Estimation 267 388 €
97 950€ - 687 393€

Valuation evolution

How is this estimate calculated?

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.

  • 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 (Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.)

Compare AVENIR COURTAGE CREDIT IMMOBILIER COLOMIERS with other companies in the same sector:

Voir toutes les statistiques du secteur Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Frequently asked questions about AVENIR COURTAGE CREDIT IMMOBILIER COLOMIERS

What is the revenue of AVENIR COURTAGE CREDIT IMMOBILIER COLOMIERS ?

The revenue of AVENIR COURTAGE CREDIT IMMOBILIER COLOMIERS in 2022 is 816 k€.

Is AVENIR COURTAGE CREDIT IMMOBILIER COLOMIERS profitable?

Yes, AVENIR COURTAGE CREDIT IMMOBILIER COLOMIERS generated a net profit of 80 k€ in 2022.

Where is the headquarters of AVENIR COURTAGE CREDIT IMMOBILIER COLOMIERS ?

The headquarters of AVENIR COURTAGE CREDIT IMMOBILIER COLOMIERS is located in COLOMIERS (31770), in the department Haute-Garonne.

Where to find the tax return of AVENIR COURTAGE CREDIT IMMOBILIER COLOMIERS ?

The tax return of AVENIR COURTAGE CREDIT IMMOBILIER COLOMIERS 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 AVENIR COURTAGE CREDIT IMMOBILIER COLOMIERS operate?

AVENIR COURTAGE CREDIT IMMOBILIER COLOMIERS operates in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a. (NAF code 66.19B). See the 'Sector positioning' section above to compare the company with its competitors.