CENTRE INFORMATISE DE TRANSACTION IMMOBILIERE : revenue, balance sheet and financial ratios

CENTRE INFORMATISE DE TRANSACTION IMMOBILIERE is a French company founded 26 years ago, specialized in the sector Agences immobilières. Based in VICHY (03200), this company of category PME shows in 2020 a revenue of 86 k€. 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 - CENTRE INFORMATISE DE TRANSACTION IMMOBILIERE (SIREN 428939714)
Indicator 2020 2019 2018 2017 2016
Revenue 85 979 € 86 255 € 111 761 € 96 823 € 102 683 €
Net income 11 227 € 7 142 € 3 439 € 15 232 € 9 702 €
EBITDA 32 391 € 3 301 € 28 523 € 20 771 € 12 469 €
Net margin 13.1% 8.3% 3.1% 15.7% 9.4%

Revenue and income statement

In 2020, CENTRE INFORMATISE DE TRANSACTION IMMOBILIERE achieves revenue of 86 k€. Activity remains stable over the period (CAGR: -4.3%). Slight decline of -0% vs 2019. After deducting consumption (0 €), gross margin stands at 86 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 32 k€, representing 37.7% of revenue. Positive scissor effect: EBITDA margin improves by +33.8 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 11 k€, i.e. 13.1% of revenue. This profit can be retained or distributed to shareholders.

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

85 979 €

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

85 979 €

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

32 391 €

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

32 728 €

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

11 227 €

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

37.2%

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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 -750%. 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 24%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 13.1% 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 (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

-749.891%

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

23.533%

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

13.058%

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

1.967

Solvency indicators evolution
CENTRE INFORMATISE DE TRANSACTION IMMOBILIERE

Sector positioning

Debt ratio
-749.89 2020
2018
2019
2020
Q1: 0.02
Med: 18.55
Q3: 94.01
Excellent

In 2020, the debt ratio of CENTRE INFORMATISE DE TRA... (-749.89) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
23.53% 2020
2018
2019
2020
Q1: 7.66%
Med: 31.23%
Q3: 59.46%
Average

In 2020, the financial autonomy of CENTRE INFORMATISE DE TRA... (23.5%) 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
1.97 years 2020
2018
2019
2020
Q1: 0.0 years
Med: 0.03 years
Q3: 2.04 years
Average

In 2020, the repayment capacity of CENTRE INFORMATISE DE TRA... (1.97) 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 119.70. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

119.701

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

0.0

Liquidity indicators evolution
CENTRE INFORMATISE DE TRANSACTION IMMOBILIERE

Sector positioning

Liquidity ratio
119.7 2020
2018
2019
2020
Q1: 117.79
Med: 199.58
Q3: 409.72
Average

In 2020, the liquidity ratio of CENTRE INFORMATISE DE TRA... (119.70) 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
0.0x 2020
2018
2019
2020
Q1: 0.0x
Med: 0.0x
Q3: 1.04x
Average

In 2020, the interest coverage of CENTRE INFORMATISE DE TRA... (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 5 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 20 days. Favorable situation: supplier credit is longer than customer credit by 15 days. WCR is negative (-88 days): operations structurally generate cash. Over 2016-2020, WCR increased by +67%, requiring additional financing.

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

-21 067 €

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

5 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

20 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

0 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

-88 j

WCR and payment terms evolution
CENTRE INFORMATISE DE TRANSACTION IMMOBILIERE

Positioning of CENTRE INFORMATISE DE TRANSACTION IMMOBILIERE in its sector

Comparison with sector Agences immobilières

Valuation estimate

Based on 99 transactions of similar company sales in 2020, the value of CENTRE INFORMATISE DE TRANSACTION IMMOBILIERE is estimated at 48 588 € (range 22 273€ - 150 908€). With an EBITDA of 32 391€, the sector multiple of 2.2x is applied. The price/revenue ratio is 0.27x (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 value 2020
99 tx
22k€ 48k€ 150k€
48 588 € Range: 22 273€ - 150 908€
NAF 5 année 2020

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
32 391 € × 2.2x
Estimation 71 936 €
32 902€ - 211 919€
Revenue Multiple 30%
85 979 € × 0.27x
Estimation 23 228 €
13 682€ - 49 556€
Net Income Multiple 20%
11 227 € × 2.5x
Estimation 28 261 €
8 587€ - 150 411€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 99 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 (Agences immobilières)

Compare CENTRE INFORMATISE DE TRANSACTION IMMOBILIERE with other companies in the same sector:

Voir toutes les statistiques du secteur Agences immobilières

Frequently asked questions about CENTRE INFORMATISE DE TRANSACTION IMMOBILIERE

What is the revenue of CENTRE INFORMATISE DE TRANSACTION IMMOBILIERE ?

The revenue of CENTRE INFORMATISE DE TRANSACTION IMMOBILIERE in 2020 is 86 k€.

Is CENTRE INFORMATISE DE TRANSACTION IMMOBILIERE profitable?

Yes, CENTRE INFORMATISE DE TRANSACTION IMMOBILIERE generated a net profit of 11 k€ in 2020.

Where is the headquarters of CENTRE INFORMATISE DE TRANSACTION IMMOBILIERE ?

The headquarters of CENTRE INFORMATISE DE TRANSACTION IMMOBILIERE is located in VICHY (03200), in the department Allier.

Where to find the tax return of CENTRE INFORMATISE DE TRANSACTION IMMOBILIERE ?

The tax return of CENTRE INFORMATISE DE TRANSACTION IMMOBILIERE 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 CENTRE INFORMATISE DE TRANSACTION IMMOBILIERE operate?

CENTRE INFORMATISE DE TRANSACTION IMMOBILIERE operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.