CLERMONDIAL AUTO : revenue, balance sheet and financial ratios

CLERMONDIAL AUTO is a French company founded 14 years ago, specialized in the sector Commerce de voitures et de véhicules automobiles légers. Based in GERZAT (63360), this company of category PME shows in 2017 a revenue of 761 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - CLERMONDIAL AUTO (SIREN 790175889)
Indicator 2020 2018 2017 2016
Revenue N/C N/C 761 132 € 704 798 €
Net income 16 153 € 12 570 € 21 990 € 17 538 €
EBITDA N/C N/C 4 039 € 39 882 €
Net margin N/C N/C 2.9% 2.5%

Revenue and income statement

In 2020, CLERMONDIAL AUTO generates positive net income of 16 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2020: 18 k€ -> 16 k€.

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

16 153 €

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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 113%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 42%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

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

113.28%

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

41.629%

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

45.3%

Solvency indicators evolution
CLERMONDIAL AUTO

Sector positioning

Debt ratio
113.28 2020
2017
2018
2020
Q1: 8.93
Med: 66.63
Q3: 191.38
Average

In 2020, the debt ratio of CLERMONDIAL AUTO (113.28) 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
41.63% 2020
2017
2018
2020
Q1: 13.1%
Med: 28.88%
Q3: 52.82%
Good -12 pts over 3 years

In 2020, the financial autonomy of CLERMONDIAL AUTO (41.6%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
402.81 years 2017
2017
Q1: 0.0 years
Med: 0.62 years
Q3: 3.93 years
Watch

In 2017, the repayment capacity of CLERMONDIAL AUTO (402.81) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 857.63. 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

857.628

Liquidity indicators evolution
CLERMONDIAL AUTO

Sector positioning

Liquidity ratio
857.63 2020
2017
2018
2020
Q1: 139.3
Med: 207.34
Q3: 371.51
Excellent

In 2020, the liquidity ratio of CLERMONDIAL AUTO (857.63) 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
0.0x 2017
2017
Q1: 0.0x
Med: 1.24x
Q3: 9.78x
Average

In 2017, the interest coverage of CLERMONDIAL AUTO (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.

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

0 €

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

0 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 and payment terms evolution
CLERMONDIAL AUTO

Positioning of CLERMONDIAL AUTO in its sector

Comparison with sector Commerce de voitures et de véhicules automobiles légers

Valuation estimate

Based on 122 transactions of similar company sales in 2020, the value of CLERMONDIAL AUTO is estimated at 53 757 € (range 13 272€ - 150 359€). 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
122 transactions
13k€ 53k€ 150k€
53 757 € Range: 13 272€ - 150 359€
NAF 5 année 2020

Valuation method used

Net Income Multiple
16 153 € × 3.3x = 53 757 €
Range: 13 273€ - 150 360€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 122 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 (Commerce de voitures et de véhicules automobiles légers)

Compare CLERMONDIAL AUTO with other companies in the same sector:

Voir toutes les statistiques du secteur Commerce de voitures et de véhicules automobiles légers

Frequently asked questions about CLERMONDIAL AUTO

What is the revenue of CLERMONDIAL AUTO ?

The revenue of CLERMONDIAL AUTO in 2017 is 761 k€.

Is CLERMONDIAL AUTO profitable?

Yes, CLERMONDIAL AUTO generated a net profit of 16 k€ in 2020.

Where is the headquarters of CLERMONDIAL AUTO ?

The headquarters of CLERMONDIAL AUTO is located in GERZAT (63360), in the department Puy-de-Dome.

Where to find the tax return of CLERMONDIAL AUTO ?

The tax return of CLERMONDIAL AUTO 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 CLERMONDIAL AUTO operate?

CLERMONDIAL AUTO operates in the sector Commerce de voitures et de véhicules automobiles légers (NAF code 45.11Z). See the 'Sector positioning' section above to compare the company with its competitors.