CREDIT AGRICOLE AQUITAINE AGENCE IMMOBILIERE : revenue, balance sheet and financial ratios

CREDIT AGRICOLE AQUITAINE AGENCE IMMOBILIERE is a French company founded 19 years ago, specialized in the sector Agences immobilières. Based in BORDEAUX (33000), this company of category GE shows in 2024 a revenue of 9.3 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

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

Financial history - CREDIT AGRICOLE AQUITAINE AGENCE IMMOBILIERE (SIREN 492498746)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 9 297 936 € 7 451 039 € 8 604 570 € 8 369 836 € 7 320 786 € 8 116 144 € 8 182 459 € 8 142 847 € 6 956 914 €
Net income 80 578 € -377 790 € 34 011 € 36 451 € -707 239 € 419 255 € 334 660 € 292 522 € 1 829 284 €
EBITDA 526 435 € 61 110 € 544 483 € 413 434 € -310 367 € 649 805 € 811 724 € 822 201 € 251 523 €
Net margin 0.9% -5.1% 0.4% 0.4% -9.7% 5.2% 4.1% 3.6% 26.3%

Revenue and income statement

In 2024, CREDIT AGRICOLE AQUITAINE AGENCE IMMOBILIERE achieves revenue of 9.3 M€. Revenue is growing positively over 9 years (CAGR: +3.7%). Vs 2023, growth of +25% (7.5 M€ -> 9.3 M€). After deducting consumption (0 €), gross margin stands at 9.3 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 526 k€, representing 5.7% of revenue. Positive scissor effect: EBITDA margin improves by +4.8 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 81 k€, i.e. 0.9% 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

9 297 936 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

9 297 936 €

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

526 435 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-253 034 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

80 578 €

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

5.6%

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 137%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 21%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 18.1 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 4.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

136.728%

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

21.367%

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

4.37%

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

18.081

Asset age ratio (2024) ?
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

16.1%

Solvency indicators evolution
CREDIT AGRICOLE AQUITAINE AGENCE IMMOBILIERE

Sector positioning

Debt ratio
136.73 2024
2022
2023
2024
Q1: 0.0
Med: 9.94
Q3: 66.37
Average

In 2024, the debt ratio of CREDIT AGRICOLE AQUITAINE... (136.73) 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
21.37% 2024
2022
2023
2024
Q1: 2.93%
Med: 25.86%
Q3: 59.99%
Average +19 pts over 3 years

In 2024, the financial autonomy of CREDIT AGRICOLE AQUITAINE... (21.4%) 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
18.08 years 2024
2022
2023
2024
Q1: -0.06 years
Med: 0.0 years
Q3: 1.48 years
Average

In 2024, the repayment capacity of CREDIT AGRICOLE AQUITAINE... (18.08) 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 129.08. 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 71.3x. Operating income very largely covers interest expenses: high safety margin.

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

129.082

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

71.277

Liquidity indicators evolution
CREDIT AGRICOLE AQUITAINE AGENCE IMMOBILIERE

Sector positioning

Liquidity ratio
129.08 2024
2022
2023
2024
Q1: 103.88
Med: 180.17
Q3: 474.31
Average

In 2024, the liquidity ratio of CREDIT AGRICOLE AQUITAINE... (129.08) 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
71.28x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 1.31x
Excellent +6 pts over 3 years

In 2024, the interest coverage of CREDIT AGRICOLE AQUITAINE... (71.3x) 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: 37 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 150 days. Excellent situation: suppliers finance 113 days of the operating cycle (retail model). WCR is negative (-134 days): operations structurally generate cash. Notable WCR improvement over the period (-21%), freeing up 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

-3 468 502 €

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

37 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

150 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

-134 j

WCR and payment terms evolution
CREDIT AGRICOLE AQUITAINE AGENCE IMMOBILIERE

Positioning of CREDIT AGRICOLE AQUITAINE AGENCE IMMOBILIERE in its sector

Comparison with sector Agences immobilières

Valuation estimate

Based on 64 transactions of similar company sales in 2024, the value of CREDIT AGRICOLE AQUITAINE AGENCE IMMOBILIERE is estimated at 1 815 919 € (range 850 761€ - 3 116 025€). With an EBITDA of 526 435€, the sector multiple of 3.1x is applied. The price/revenue ratio is 0.33x (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 2024
64 tx
850k€ 1815k€ 3116k€
1 815 919 € Range: 850 761€ - 3 116 025€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
526 435 € × 3.1x
Estimation 1 639 550 €
590 703€ - 1 707 150€
Revenue Multiple 30%
9 297 936 € × 0.33x
Estimation 3 051 194 €
1 732 984€ - 6 944 836€
Net Income Multiple 20%
80 578 € × 5.0x
Estimation 403 932 €
177 571€ - 895 000€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 64 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 CREDIT AGRICOLE AQUITAINE AGENCE IMMOBILIERE with other companies in the same sector:

Voir toutes les statistiques du secteur Agences immobilières

Frequently asked questions about CREDIT AGRICOLE AQUITAINE AGENCE IMMOBILIERE

What is the revenue of CREDIT AGRICOLE AQUITAINE AGENCE IMMOBILIERE ?

The revenue of CREDIT AGRICOLE AQUITAINE AGENCE IMMOBILIERE in 2024 is 9.3 M€.

Is CREDIT AGRICOLE AQUITAINE AGENCE IMMOBILIERE profitable?

Yes, CREDIT AGRICOLE AQUITAINE AGENCE IMMOBILIERE generated a net profit of 81 k€ in 2024.

Where is the headquarters of CREDIT AGRICOLE AQUITAINE AGENCE IMMOBILIERE ?

The headquarters of CREDIT AGRICOLE AQUITAINE AGENCE IMMOBILIERE is located in BORDEAUX (33000), in the department Gironde.

Where to find the tax return of CREDIT AGRICOLE AQUITAINE AGENCE IMMOBILIERE ?

The tax return of CREDIT AGRICOLE AQUITAINE AGENCE 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 CREDIT AGRICOLE AQUITAINE AGENCE IMMOBILIERE operate?

CREDIT AGRICOLE AQUITAINE AGENCE IMMOBILIERE operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.