DILIGENCE SAINT CHARLES : revenue, balance sheet and financial ratios

DILIGENCE SAINT CHARLES is a French company founded 10 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in MARSEILLE (13001), this company of category PME shows in 2021 a revenue of 7 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 - DILIGENCE SAINT CHARLES (SIREN 814837233)
Indicator 2021 2020 2019 2018 2016
Revenue 6 949 € 60 474 € 115 076 € 148 066 € 169 844 €
Net income 11 308 € -13 078 € -21 413 € 3 927 € 17 789 €
EBITDA 13 526 € -10 165 € -13 642 € 8 687 € 22 530 €
Net margin 162.7% -21.6% -18.6% 2.7% 10.5%

Revenue and income statement

In 2021, DILIGENCE SAINT CHARLES achieves revenue of 7 k€. Revenue is declining over the period 2016-2021 (CAGR: -47.2%). Significant drop of -89% vs 2020. After deducting consumption (3 k€), gross margin stands at 4 k€, i.e. a rate of 58%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 14 k€, representing 194.6% of revenue. Positive scissor effect: EBITDA margin improves by +211.5 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 11 k€, i.e. 162.7% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2021) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

6 949 €

Gross margin (2021) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

4 065 €

EBITDA (2021) ?
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

13 526 €

EBIT (2021) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

14 499 €

Net income (2021) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

11 308 €

EBITDA margin (2021) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

22.0%

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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 230%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 23%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 7.3 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 14.1% 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 (2021) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

229.629%

Financial autonomy (2021) ?
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

22.611%

Cash flow / Revenue (2021) ?
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

14.114%

Repayment capacity (2021) ?
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

7.277

Asset age ratio (2021) ?
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

16.0%

Solvency indicators evolution
DILIGENCE SAINT CHARLES

Sector positioning

Debt ratio
229.63 2021
2019
2020
2021
Q1: -2.0
Med: 12.57
Q3: 178.71
Average

In 2021, the debt ratio of DILIGENCE SAINT CHARLES (229.63) 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
22.61% 2021
2019
2020
2021
Q1: 2.35%
Med: 38.31%
Q3: 81.37%
Average

In 2021, the financial autonomy of DILIGENCE SAINT CHARLES (22.6%) 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
7.28 years 2021
2019
2020
2021
Q1: -0.0 years
Med: 0.54 years
Q3: 9.67 years
Average +44 pts over 3 years

In 2021, the repayment capacity of DILIGENCE SAINT CHARLES (7.28) 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 106.51. 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 1.7x. Coverage is limited: any activity downturn would jeopardize interest payments.

Liquidity ratio (2021) ?
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

106.507

Interest coverage (2021) ?
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

1.73

Liquidity indicators evolution
DILIGENCE SAINT CHARLES

Sector positioning

Liquidity ratio
106.51 2021
2019
2020
2021
Q1: 84.53
Med: 265.45
Q3: 1031.63
Average

In 2021, the liquidity ratio of DILIGENCE SAINT CHARLES (106.51) 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
1.73x 2021
2019
2020
2021
Q1: 0.0x
Med: 0.0x
Q3: 12.94x
Good +28 pts over 3 years

In 2021, the interest coverage of DILIGENCE SAINT CHARLES (1.7x) 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: 221 days. Excellent situation: suppliers finance 221 days of the operating cycle (retail model). Overall, WCR represents 986 days of revenue, i.e. 19 k€ to permanently finance. Over 2016-2021, WCR increased by +245%, requiring additional financing.

Operating WCR (2021) ?
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

19 041 €

Customer credit (2021) ?
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 (2021) ?
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

221 j

Inventory turnover (2021) ?
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 (2021) ?
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

986 j

WCR and payment terms evolution
DILIGENCE SAINT CHARLES

Positioning of DILIGENCE SAINT CHARLES in its sector

Comparison with sector Location de terrains et d'autres biens immobiliers

Valuation estimate

Based on 178 transactions of similar company sales in 2021, the value of DILIGENCE SAINT CHARLES is estimated at 48 224 € (range 22 201€ - 89 270€). With an EBITDA of 13 526€, the sector multiple of 4.7x is applied. The price/revenue ratio is 0.70x (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.

Estimated enterprise value 2021
178 transactions
22k€ 48k€ 89k€
48 224 € Range: 22 201€ - 89 270€
NAF 5 année 2021

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
13 526 € × 4.7x
Estimation 64 028 €
31 132€ - 106 298€
Revenue Multiple 30%
6 949 € × 0.70x
Estimation 4 860 €
1 700€ - 12 795€
Net Income Multiple 20%
11 308 € × 6.5x
Estimation 73 762 €
30 629€ - 161 416€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 178 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 (Location de terrains et d'autres biens immobiliers)

Compare DILIGENCE SAINT CHARLES with other companies in the same sector:

Voir toutes les statistiques du secteur Location de terrains et d'autres biens immobiliers

Frequently asked questions about DILIGENCE SAINT CHARLES

What is the revenue of DILIGENCE SAINT CHARLES ?

The revenue of DILIGENCE SAINT CHARLES in 2021 is 7 k€.

Is DILIGENCE SAINT CHARLES profitable?

Yes, DILIGENCE SAINT CHARLES generated a net profit of 11 k€ in 2021.

Where is the headquarters of DILIGENCE SAINT CHARLES ?

The headquarters of DILIGENCE SAINT CHARLES is located in MARSEILLE (13001), in the department Bouches-du-Rhone.

Where to find the tax return of DILIGENCE SAINT CHARLES ?

The tax return of DILIGENCE SAINT CHARLES 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 DILIGENCE SAINT CHARLES operate?

DILIGENCE SAINT CHARLES operates in the sector Location de terrains et d'autres biens immobiliers (NAF code 68.20B). See the 'Sector positioning' section above to compare the company with its competitors.