C.S.LOAN AUTOMOBILE : revenue, balance sheet and financial ratios

C.S.LOAN AUTOMOBILE is a French company founded 13 years ago, specialized in the sector Entretien et réparation de véhicules automobiles légers. Based in SIGEAN (11130), this company of category PME shows in 2016 a revenue of 298 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

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

Financial history - C.S.LOAN AUTOMOBILE (SIREN 789285863)
Indicator 2016 2015
Revenue 297 684 € 341 411 €
Net income -39 313 € -46 474 €
EBITDA 1 836 € -16 773 €
Net margin -13.2% -13.6%

Revenue and income statement

In 2016, C.S.LOAN AUTOMOBILE achieves revenue of 298 k€. Significant drop of -13% vs 2015. After deducting consumption (137 k€), gross margin stands at 161 k€, i.e. a rate of 54%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 2 k€, representing 0.6% of revenue. Positive scissor effect: EBITDA margin improves by +5.5 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -39 k€ (-13.2% of revenue), which will impact equity.

Revenue (2016) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

297 684 €

Gross margin (2016) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

160 879 €

EBITDA (2016) ?
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

1 836 €

EBIT (2016) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-35 387 €

Net income (2016) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-39 313 €

EBITDA margin (2016) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

0.6%

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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 -109%. 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 112%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2016) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

-108.802%

Financial autonomy (2016) ?
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

112.087%

Cash flow / Revenue (2016) ?
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

-9.412%

Repayment capacity (2016) ?
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

-3.054

Asset age ratio (2016) ?
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

68.4%

Solvency indicators evolution
C.S.LOAN AUTOMOBILE

Sector positioning

Debt ratio
-108.8 2016
2015
2016
Q1: 1.98
Med: 27.54
Q3: 104.65
Excellent

In 2016, the debt ratio of C.S.LOAN AUTOMOBILE (-108.80) 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
112.09% 2016
2015
2016
Q1: 14.34%
Med: 36.62%
Q3: 57.45%
Excellent

In 2016, the financial autonomy of C.S.LOAN AUTOMOBILE (112.1%) 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
-3.05 years 2016
2015
2016
Q1: 0.0 years
Med: 0.58 years
Q3: 2.58 years
Excellent

In 2016, the repayment capacity of C.S.LOAN AUTOMOBILE (-3.05) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 15.57. 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 164.1x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2016) ?
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

15.573

Interest coverage (2016) ?
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

164.052

Liquidity indicators evolution
C.S.LOAN AUTOMOBILE

Sector positioning

Liquidity ratio
15.57 2016
2015
2016
Q1: 107.1
Med: 167.82
Q3: 255.42
Watch +9 pts over 2 years

In 2016, the liquidity ratio of C.S.LOAN AUTOMOBILE (15.57) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
164.05x 2016
2015
2016
Q1: 0.0x
Med: 1.22x
Q3: 6.75x
Excellent +50 pts over 2 years

In 2016, the interest coverage of C.S.LOAN AUTOMOBILE (164.1x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 119 days. Excellent situation: suppliers finance 119 days of the operating cycle (retail model). Inventory turnover is 27 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. WCR is negative (-170 days): operations structurally generate cash.

Operating WCR (2016) ?
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

-140 971 €

Customer credit (2016) ?
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 (2016) ?
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

119 j

Inventory turnover (2016) ?
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

27 j

WCR in days of revenue (2016) ?
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

-170 j

WCR and payment terms evolution
C.S.LOAN AUTOMOBILE

Positioning of C.S.LOAN AUTOMOBILE in its sector

Comparison with sector Entretien et réparation de véhicules automobiles légers

Valuation estimate

Based on 1254 transactions of similar company sales (all years), the value of C.S.LOAN AUTOMOBILE is estimated at 43 381 € (range 24 037€ - 75 913€). With an EBITDA of 1 836€, the sector multiple of 4.0x is applied. The price/revenue ratio is 0.35x (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.

Estimated enterprise value 2016
1254 transactions
24k€ 43k€ 75k€
43 381 € Range: 24 037€ - 75 913€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
1 836 € × 4.0x
Estimation 7 323 €
3 311€ - 13 302€
Revenue Multiple 30%
297 684 € × 0.35x
Estimation 103 479 €
58 581€ - 180 266€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 1254 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 (Entretien et réparation de véhicules automobiles légers)

Compare C.S.LOAN AUTOMOBILE with other companies in the same sector:

Voir toutes les statistiques du secteur Entretien et réparation de véhicules automobiles légers

Frequently asked questions about C.S.LOAN AUTOMOBILE

What is the revenue of C.S.LOAN AUTOMOBILE ?

The revenue of C.S.LOAN AUTOMOBILE in 2016 is 298 k€.

Is C.S.LOAN AUTOMOBILE profitable?

C.S.LOAN AUTOMOBILE recorded a net loss in 2016.

Where is the headquarters of C.S.LOAN AUTOMOBILE ?

The headquarters of C.S.LOAN AUTOMOBILE is located in SIGEAN (11130), in the department Aude.

Where to find the tax return of C.S.LOAN AUTOMOBILE ?

The tax return of C.S.LOAN AUTOMOBILE 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 C.S.LOAN AUTOMOBILE operate?

C.S.LOAN AUTOMOBILE operates in the sector Entretien et réparation de véhicules automobiles légers (NAF code 45.20A). See the 'Sector positioning' section above to compare the company with its competitors.