CHARME ET TERROIR IMMOBILIER : revenue, balance sheet and financial ratios

CHARME ET TERROIR IMMOBILIER is a French company founded 16 years ago, specialized in the sector Agences immobilières. Based in SAINT-LAURENT-LA-VERNEDE (30330), this company of category PME shows in 2020 a revenue of 93 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 - CHARME ET TERROIR IMMOBILIER (SIREN 513059519)
Indicator 2020 2019
Revenue 93 418 € 80 338 €
Net income 16 215 € 25 982 €
EBITDA 18 535 € 27 798 €
Net margin 17.4% 32.3%

Revenue and income statement

In 2020, CHARME ET TERROIR IMMOBILIER achieves revenue of 93 k€. Vs 2019, growth of +16% (80 k€ -> 93 k€). After deducting consumption (0 €), gross margin stands at 93 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 19 k€, representing 19.8% of revenue. Warning negative scissor effect: despite revenue change (+16%), EBITDA varies by -33%, reducing margin by 14.8 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. 17.4% 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

93 418 €

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

93 418 €

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

18 535 €

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

18 499 €

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

16 215 €

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

19.3%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 1%. 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 84%. 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 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 16.9% 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 (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

0.771%

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

84.446%

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

16.861%

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

0.032

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

6.6%

Solvency indicators evolution
CHARME ET TERROIR IMMOBILIER

Sector positioning

Debt ratio
0.77 2020
2019
2020
Q1: 0.02
Med: 18.55
Q3: 94.01
Good -14 pts over 2 years

In 2020, the debt ratio of CHARME ET TERROIR IMMOBILIER (0.77) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
84.45% 2020
2019
2020
Q1: 7.66%
Med: 31.23%
Q3: 59.46%
Excellent

In 2020, the financial autonomy of CHARME ET TERROIR IMMOBILIER (84.5%) 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
0.03 years 2020
2019
2020
Q1: 0.0 years
Med: 0.03 years
Q3: 2.04 years
Good

In 2020, the repayment capacity of CHARME ET TERROIR IMMOBILIER (0.03) 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 524.67. 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 0.6x. Danger: operating income does not cover interest charges, unsustainable situation.

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

524.666

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

0.599

Liquidity indicators evolution
CHARME ET TERROIR IMMOBILIER

Sector positioning

Liquidity ratio
524.67 2020
2019
2020
Q1: 117.79
Med: 199.58
Q3: 409.72
Excellent

In 2020, the liquidity ratio of CHARME ET TERROIR IMMOBILIER (524.67) 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
0.6x 2020
2019
2020
Q1: 0.0x
Med: 0.0x
Q3: 1.04x
Good +40 pts over 2 years

In 2020, the interest coverage of CHARME ET TERROIR IMMOBILIER (0.6x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 37 days. Excellent situation: suppliers finance 37 days of the operating cycle (retail model). WCR is negative (-13 days): operations structurally generate cash.

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

-3 398 €

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

0 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

37 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

-13 j

WCR and payment terms evolution
CHARME ET TERROIR IMMOBILIER

Positioning of CHARME ET TERROIR IMMOBILIER in its sector

Comparison with sector Agences immobilières

Valuation estimate

Based on 99 transactions of similar company sales in 2020, the value of CHARME ET TERROIR IMMOBILIER is estimated at 36 316 € (range 16 353€ - 120 233€). With an EBITDA of 18 535€, 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
16k€ 36k€ 120k€
36 316 € Range: 16 353€ - 120 233€
NAF 5 année 2020

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
18 535 € × 2.2x
Estimation 41 164 €
18 828€ - 121 266€
Revenue Multiple 30%
93 418 € × 0.27x
Estimation 25 238 €
14 865€ - 53 844€
Net Income Multiple 20%
16 215 € × 2.5x
Estimation 40 817 €
12 402€ - 217 237€

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 CHARME ET TERROIR IMMOBILIER with other companies in the same sector:

Voir toutes les statistiques du secteur Agences immobilières

Frequently asked questions about CHARME ET TERROIR IMMOBILIER

What is the revenue of CHARME ET TERROIR IMMOBILIER ?

The revenue of CHARME ET TERROIR IMMOBILIER in 2020 is 93 k€.

Is CHARME ET TERROIR IMMOBILIER profitable?

Yes, CHARME ET TERROIR IMMOBILIER generated a net profit of 16 k€ in 2020.

Where is the headquarters of CHARME ET TERROIR IMMOBILIER ?

The headquarters of CHARME ET TERROIR IMMOBILIER is located in SAINT-LAURENT-LA-VERNEDE (30330), in the department Gard.

Where to find the tax return of CHARME ET TERROIR IMMOBILIER ?

The tax return of CHARME ET TERROIR IMMOBILIER 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 CHARME ET TERROIR IMMOBILIER operate?

CHARME ET TERROIR IMMOBILIER operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.