CHAPTAL&CO : revenue, balance sheet and financial ratios

CHAPTAL&CO is a French company founded 19 years ago, specialized in the sector Conseil pour les affaires et autres conseils de gestion. Based in SAINT-CYR-SUR-LOIRE (37540), this company of category PME shows in 2023 a revenue of 1.4 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 - CHAPTAL&CO (SIREN 490585189)
Indicator 2023 2021 2020 2019 2018 2017 2016 2015
Revenue 1 370 143 € 1 662 237 € 1 869 030 € 1 575 844 € 1 651 686 € 1 405 668 € 781 214 € 711 553 €
Net income 459 431 € 3 979 505 € 829 383 € 463 769 € 1 069 578 € 1 248 926 € 567 401 € 271 425 €
EBITDA 622 961 € 223 312 € 1 234 363 € 809 737 € 876 744 € 737 856 € 263 752 € 267 694 €
Net margin 33.5% 239.4% 44.4% 29.4% 64.8% 88.8% 72.6% 38.1%

Revenue and income statement

In 2023, CHAPTAL&CO achieves revenue of 1.4 M€. Over the period 2015-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +8.5%. Significant drop of -18% vs 2021. After deducting consumption (0 €), gross margin stands at 1.4 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 623 k€, representing 45.5% of revenue. Positive scissor effect: EBITDA margin improves by +32.0 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 459 k€, i.e. 33.5% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

1 370 143 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

1 370 143 €

EBITDA (2023) ?
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

622 961 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

622 608 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

459 431 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

45.5%

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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 6%. 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 91%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 20.9% 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 (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

5.757%

Financial autonomy (2023) ?
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

91.392%

Cash flow / Revenue (2023) ?
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

20.866%

Repayment capacity (2023) ?
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

1.274

Asset age ratio (2023) ?
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

38.4%

Solvency indicators evolution
CHAPTAL&CO

Sector positioning

Debt ratio
5.76 2023
2020
2021
2023
Q1: 0.0
Med: 4.56
Q3: 46.62
Average

In 2023, the debt ratio of CHAPTAL&CO (5.76) 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
91.39% 2023
2020
2021
2023
Q1: 4.34%
Med: 38.52%
Q3: 74.91%
Excellent

In 2023, the financial autonomy of CHAPTAL&CO (91.4%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
1.27 years 2023
2020
2021
2023
Q1: 0.0 years
Med: 0.0 years
Q3: 1.06 years
Average +13 pts over 3 years

In 2023, the repayment capacity of CHAPTAL&CO (1.27) 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 2454.28. 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 108.0x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2023) ?
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

2454.277

Interest coverage (2023) ?
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

108.033

Liquidity indicators evolution
CHAPTAL&CO

Sector positioning

Liquidity ratio
2454.28 2023
2020
2021
2023
Q1: 139.57
Med: 306.26
Q3: 898.71
Excellent

In 2023, the liquidity ratio of CHAPTAL&CO (2454.28) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
108.03x 2023
2020
2021
2023
Q1: 0.0x
Med: 0.0x
Q3: 0.24x
Excellent

In 2023, the interest coverage of CHAPTAL&CO (108.0x) 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: 39 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 16 days. The company must finance 23 days of gap between collections and payments. Overall, WCR represents 528 days of revenue, i.e. 2.0 M€ to permanently finance. Over 2015-2023, WCR increased by +6782%, requiring additional financing.

Operating WCR (2023) ?
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

2 008 164 €

Customer credit (2023) ?
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

39 j

Supplier credit (2023) ?
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

16 j

Inventory turnover (2023) ?
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 (2023) ?
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

528 j

WCR and payment terms evolution
CHAPTAL&CO

Positioning of CHAPTAL&CO in its sector

Comparison with sector Conseil pour les affaires et autres conseils de gestion

Valuation estimate

Based on 66 transactions of similar company sales in 2023, the value of CHAPTAL&CO is estimated at 2 130 949 € (range 655 999€ - 3 862 112€). With an EBITDA of 622 961€, the sector multiple of 4.0x is applied. The price/revenue ratio is 0.63x (in line with sector norms). 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 2023
66 tx
655k€ 2130k€ 3862k€
2 130 949 € Range: 655 999€ - 3 862 112€
NAF 5 année 2023

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
622 961 € × 4.0x
Estimation 2 466 182 €
457 168€ - 3 614 938€
Revenue Multiple 30%
1 370 143 € × 0.63x
Estimation 866 408 €
373 789€ - 1 357 864€
Net Income Multiple 20%
459 431 € × 6.9x
Estimation 3 189 683 €
1 576 392€ - 8 236 424€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 66 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 (Conseil pour les affaires et autres conseils de gestion)

Compare CHAPTAL&CO with other companies in the same sector:

Voir toutes les statistiques du secteur Conseil pour les affaires et autres conseils de gestion

Frequently asked questions about CHAPTAL&CO

What is the revenue of CHAPTAL&CO ?

The revenue of CHAPTAL&CO in 2023 is 1.4 M€.

Is CHAPTAL&CO profitable?

Yes, CHAPTAL&CO generated a net profit of 459 k€ in 2023.

Where is the headquarters of CHAPTAL&CO ?

The headquarters of CHAPTAL&CO is located in SAINT-CYR-SUR-LOIRE (37540), in the department Indre-et-Loire.

Where to find the tax return of CHAPTAL&CO ?

The tax return of CHAPTAL&CO 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 CHAPTAL&CO operate?

CHAPTAL&CO operates in the sector Conseil pour les affaires et autres conseils de gestion (NAF code 70.22Z). See the 'Sector positioning' section above to compare the company with its competitors.