Employees: NN (None)Legal category: Société à responsabilité limitée (sans autre indication)Size: PMECreation date: 2018-01-22 (8 years)Status: ActiveBusiness sector: Gestion de fondsLocation: BASSE-GOULAINE (44115), Loire-Atlantique
BLANCHARD AVENIR : revenue, balance sheet and financial ratios
BLANCHARD AVENIR is a French company
founded 8 years ago,
specialized in the sector Gestion de fonds.
Based in BASSE-GOULAINE (44115),
this company of category PME
shows in 2024 a revenue of 91 k€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - BLANCHARD AVENIR (SIREN 834876872)
Indicator
2024
2023
2022
2021
2020
2019
Revenue
90 620 €
56 500 €
60 023 €
37 850 €
6 000 €
N/C
Net income
15 946 €
18 753 €
5 634 €
18 273 €
1 314 €
0 €
EBITDA
14 066 €
30 252 €
10 688 €
23 153 €
1 465 €
N/C
Net margin
17.6%
33.2%
9.4%
48.3%
21.9%
N/C
Revenue and income statement
In 2024, BLANCHARD AVENIR achieves revenue of 91 k€. Over the period 2020-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +97.1%. Vs 2023, growth of +60% (56 k€ -> 91 k€). After deducting consumption (0 €), gross margin stands at 91 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 14 k€, representing 15.5% of revenue. Warning negative scissor effect: despite revenue change (+60%), EBITDA varies by -54%, reducing margin by 38.0 pts. This reflects costs rising faster than 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 16 k€, i.e. 17.6% 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
90 620 €
Gross margin (2024)
?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed
90 620 €
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
14 066 €
EBIT (2024)
?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals
12 745 €
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
15 946 €
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
15.5%
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 14%. 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 4%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 17.7% 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
13.764%
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
4.309%
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
17.719%
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
0.0
Solvency indicators evolution BLANCHARD AVENIR
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2019
2020
2021
2022
2023
2024
Debt ratio
4815.813
2530.802
395.977
301.143
0.0
13.764
Financial autonomy
81.654
77.394
62.27
47.901
0.0
4.309
Repayment capacity
None
0.047
0.0
0.0
0.0
0.0
Cash flow / Revenue
None%
21.9%
52.653%
16.051%
40.271%
17.719%
Sector positioning
Debt ratio
13.762024
2022
2023
2024
Q1: 0.0
Med: 8.29
Q3: 92.98
Average-23 pts over 3 years
In 2024, the debt ratio of BLANCHARD AVENIR (13.76) 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
4.31%2024
2022
2023
2024
Q1: 4.66%
Med: 48.47%
Q3: 87.35%
Average-22 pts over 3 years
In 2024, the financial autonomy of BLANCHARD AVENIR (4.3%) 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
0.0 years2024
2022
2023
2024
Q1: -0.01 years
Med: 0.0 years
Q3: 3.01 years
Good
In 2024, the repayment capacity of BLANCHARD AVENIR (0.00) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 47.44. 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
47.442
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
0.0
Liquidity indicators evolution BLANCHARD AVENIR
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2019
2020
2021
2022
2023
2024
Liquidity ratio
5.437
8.048
26.389
47.691
63.632
47.442
Interest coverage
None
0.0
0.0
0.0
0.0
0.0
Sector positioning
Liquidity ratio
47.442024
2022
2023
2024
Q1: 100.72
Med: 472.35
Q3: 3121.45
Average
In 2024, the liquidity ratio of BLANCHARD AVENIR (47.44) 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
0.0x2024
2022
2023
2024
Q1: -71.24x
Med: 0.0x
Q3: 0.0x
Good
In 2024, the interest coverage of BLANCHARD AVENIR (0.0x) 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: 168 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 45 days. The gap of 123 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. WCR is negative (-284 days): operations structurally generate 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
-71 454 €
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
168 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
45 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
-284 j
WCR and payment terms evolution BLANCHARD AVENIR
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2019
2020
2021
2022
2023
2024
Operating WCR
0 €
-83 221 €
-85 355 €
-80 498 €
-60 567 €
-71 454 €
Inventory turnover (days)
0
0
0
0
0
0
Customer payment term (days)
0
360
220
27
66
168
Supplier payment term (days)
0
253
35
17
15
45
Positioning of BLANCHARD AVENIR in its sector
Comparison with sector Gestion de fonds
Valuation estimate
Based on 62 transactions of similar company sales
in 2024,
the value of BLANCHARD AVENIR is estimated at
65 590 €
(range 21 469€ - 145 702€).
With an EBITDA of 14 066€, the sector multiple of 4.8x 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. Medium reliability: estimate to be confirmed with in-depth analysis.
Estimated enterprise value2024
62 tx
21k€65k€145k€
65 590 €Range: 21 469€ - 145 702€
NAF 5 année 2024
Valuation detail by method
Ajustez les pondérations selon votre analyse
EBITDA Multiple50%
14 066 €×4.8x
Estimation67 485 €
20 989€ - 151 920€
Revenue Multiple30%
90 620 €×0.30x
Estimation27 586 €
14 274€ - 76 810€
Net Income Multiple20%
15 946 €×7.4x
Estimation117 861 €
33 464€ - 233 495€
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
How is this estimate calculated?
This estimate is based on the analysis of 62 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 (Gestion de fonds)
Compare BLANCHARD AVENIR with other companies in the same sector:
Yes, BLANCHARD AVENIR generated a net profit of 16 k€ in 2024.
Where is the headquarters of BLANCHARD AVENIR ?
The headquarters of BLANCHARD AVENIR is located in BASSE-GOULAINE (44115), in the department Loire-Atlantique.
Where to find the tax return of BLANCHARD AVENIR ?
The tax return of BLANCHARD AVENIR 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 BLANCHARD AVENIR operate?
BLANCHARD AVENIR operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.
Item evolution
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