B.A.G. AUTOMOBILE : revenue, balance sheet and financial ratios

B.A.G. AUTOMOBILE is a French company founded 25 years ago, specialized in the sector Entretien et réparation de véhicules automobiles légers. Based in TOURS (37000), this company of category PME shows in 2020 a revenue of 256 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

Financial history - B.A.G. AUTOMOBILE (SIREN 432467728)
Indicator 2020 2019 2018
Revenue 256 190 € 275 010 € 230 821 €
Net income -17 € 15 184 € -12 577 €
EBITDA 1 648 € 15 688 € -10 892 €
Net margin -0.0% 5.5% -5.4%

Revenue and income statement

En 2020, B.A.G. AUTOMOBILE alcanza unos ingresos de 256 k€. En el período 2018-2020, la empresa muestra un fuerte crecimiento con una TCAC de +5.4%. Ligera caída de -7% vs 2019. Tras deducir el consumo (96 k€), el margen bruto se sitúa en 161 k€, es decir, una tasa del 63%. El EBITDA alcanza 2 k€, representando el 0.6% de los ingresos. Advertencia efecto tijera negativo: a pesar del cambio en ingresos (-7%), el EBITDA varía en -89%, reduciendo el margen en 5.1 puntos. El margen operativo sigue siendo frágil, requiriendo vigilancia de costes. El resultado neto es negativo en -17 € (-0.0% de los ingresos).

Revenue (2020) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

256 190 €

Gross margin (2020) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

160 666 €

EBITDA (2020) ?
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

1 648 €

EBIT (2020) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-140 €

Net income (2020) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-17 €

EBITDA margin (2020) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

0.6%

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

El ratio de endeudamiento (= Deuda financiera / Fondos propios x 100) se sitúa en 147%. El nivel de deuda es alto: el margen de negociación con los bancos se reduce. La autonomía financiera (= Fondos propios / Total activo x 100) alcanza el 29%. El equilibrio entre fondos propios y deuda es satisfactorio. La capacidad de reembolso indica que se necesitarían 41.9 años de flujo de caja. Más allá de 7 años, los bancos generalmente consideran el riesgo crediticio como alto. El flujo de caja representa el 0.7% de los ingresos.

Debt ratio (2020) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

147.348%

Financial autonomy (2020) ?
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

29.043%

Cash flow / Revenue (2020) ?
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

0.677%

Repayment capacity (2020) ?
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

41.892

Asset age ratio (2020) ?
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

3.6%

Solvency indicators evolution
B.A.G. AUTOMOBILE

Sector positioning

Ratio de endeudamiento
147.35 2020
2018
2019
2020
Q1: 6.24
Med: 41.16
Q3: 127.19
Average +39 pts over 3 years

En 2020, el ratio de endeudamiento de B.A.G. AUTOMOBILE (147.35) se sitúa por encima de la mediana del sector. Este ratio mide el peso de la deuda en relación con el patrimonio. Un esfuerzo de reducción podría mejorar la solidez financiera.

Autonomía financiera
29.04% 2020
2018
2019
2020
Q1: 17.5%
Med: 39.23%
Q3: 59.04%
Average -15 pts over 3 years

En 2020, el autonomía financiera de B.A.G. AUTOMOBILE (29.0%) se sitúa por debajo de la mediana del sector. Este ratio representa la parte del patrimonio en la financiación total. Una mejora fortalecería la posición competitiva.

Capacidad de reembolso
41.89 ans 2020
2018
2019
2020
Q1: 0.0 ans
Med: 0.47 ans
Q3: 3.32 ans
Vigilar +50 pts over 3 years

En 2020, el capacidad de reembolso de B.A.G. AUTOMOBILE (41.9 ans) se sitúa en el top 25% del sector. Este ratio indica el número de años necesarios para pagar la deuda con flujo de caja. Una duración larga puede señalar deuda pesada relativa a la capacidad de pago.

Liquidity ratios

El ratio de liquidez se sitúa en 217.23. La empresa tiene 2€ de activos líquidos por cada 1€ de deuda a corto plazo. El ratio de cobertura de intereses (= EBIT / Gastos financieros) es de 4.4x. Los gastos financieros están adecuadamente cubiertos por las operaciones.

Liquidity ratio (2020) ?
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

217.229

Interest coverage (2020) ?
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

4.369

Liquidity indicators evolution
B.A.G. AUTOMOBILE

Sector positioning

Ratio de liquidez
217.23 2020
2018
2019
2020
Q1: 139.56
Med: 214.86
Q3: 320.34
Bueno +26 pts over 3 years

En 2020, el ratio de liquidez de B.A.G. AUTOMOBILE (217.23) se sitúa por encima de la mediana del sector. Este ratio mide la capacidad de cubrir deuda a corto plazo con activos corrientes. Esta posición cómoda ofrece un margen de seguridad apreciable.

Cobertura de intereses
4.37x 2020
2018
2019
2020
Q1: 0.0x
Med: 0.22x
Q3: 3.12x
Excelente +50 pts over 3 years

En 2020, el cobertura de intereses de B.A.G. AUTOMOBILE (4.4x) se sitúa en el top 25% del sector. Este ratio indica cuántas veces el resultado operativo cubre los gastos de intereses. Alta cobertura significa que los gastos financieros pesan poco en la rentabilidad.

Working capital requirement (WCR) and payment terms

El fondo de maniobra operativo (FM) mide el desfase temporal de tesorería. Plazo medio de cobro a clientes: 2 días. Plazo proveedores: 48 días. Excelente situación: los proveedores financian 46 días del ciclo operativo. La rotación de existencias es de 3 días. Rotación rápida, señal de buena gestión de existencias. El FM representa 22 días de ingresos. En 2018-2020, el FM aumentó en +241%.

Operating WCR (2020) ?
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

15 369 €

Customer credit (2020) ?
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

2 j

Supplier credit (2020) ?
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

48 j

Inventory turnover (2020) ?
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

3 j

WCR in days of revenue (2020) ?
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

22 j

WCR and payment terms evolution
B.A.G. AUTOMOBILE

Positioning of B.A.G. AUTOMOBILE in its sector

Comparison with sector Entretien et réparation de véhicules automobiles légers

Valuation estimate

Based on 104 transactions of similar company sales in 2020, the value of B.A.G. AUTOMOBILE is estimated at 28 078 € (range 14 418€ - 43 034€). With an EBITDA of 1 648€, the sector multiple of 3.4x is applied. The price/revenue ratio is 0.26x (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 2020
104 transactions
14k€ 28k€ 43k€
28 078 € Range: 14 418€ - 43 034€
NAF 5 année 2020

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
1 648 € × 3.4x
Estimation 5 548 €
2 162€ - 10 346€
Revenue Multiple 30%
256 190 € × 0.26x
Estimation 65 629 €
34 847€ - 97 514€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 104 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 (Entretien et réparation de véhicules automobiles légers)

Compare B.A.G. AUTOMOBILE with other companies in the same sector:

Voir toutes les statistiques du secteur Entretien et réparation de véhicules automobiles légers

Frequently asked questions about B.A.G. AUTOMOBILE

What is the revenue of B.A.G. AUTOMOBILE ?

The revenue of B.A.G. AUTOMOBILE in 2020 is 256 k€.

Is B.A.G. AUTOMOBILE profitable?

B.A.G. AUTOMOBILE recorded a net loss in 2020.

Where is the headquarters of B.A.G. AUTOMOBILE ?

The headquarters of B.A.G. AUTOMOBILE is located in TOURS (37000), in the department Indre-et-Loire.

Where to find the tax return of B.A.G. AUTOMOBILE ?

The tax return of B.A.G. AUTOMOBILE 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 B.A.G. AUTOMOBILE operate?

B.A.G. AUTOMOBILE operates in the sector Entretien et réparation de véhicules automobiles légers (NAF code 45.20A). See the 'Sector positioning' section above to compare the company with its competitors.