ETUDE JEANNE D'ARC : revenue, balance sheet and financial ratios

ETUDE JEANNE D'ARC is a French company founded 26 years ago, specialized in the sector Agences immobilières. Based in PARIS (75013), this company of category PME shows in 2020 a revenue of 471 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 - ETUDE JEANNE D'ARC (SIREN 422807586)
Indicator 2020 2019 2018 2017
Revenue 470 826 € 645 635 € 638 902 € 567 974 €
Net income -94 622 € 22 205 € 60 312 € 51 259 €
EBITDA -76 017 € 41 335 € 80 840 € 47 580 €
Net margin -20.1% 3.4% 9.4% 9.0%

Revenue and income statement

In 2020, ETUDE JEANNE D'ARC achieves revenue of 471 k€. Revenue is declining over the period 2017-2020 (CAGR: -6.1%). Significant drop of -27% vs 2019. After deducting consumption (-107 €), gross margin stands at 471 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 -76 k€, representing -16.1% of revenue. Warning negative scissor effect: despite revenue change (-27%), EBITDA varies by -284%, reducing margin by 22.5 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -95 k€ (-20.1% of revenue), which will impact equity.

Revenue (2020) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

470 826 €

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

470 933 €

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

-76 017 €

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

-94 371 €

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

-94 622 €

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

-16.1%

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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 42%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 35%. The balance between equity and debt is satisfactory.

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

42.002%

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

34.527%

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

-16.199%

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

-1.268

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

40.4%

Solvency indicators evolution
ETUDE JEANNE D'ARC

Sector positioning

Debt ratio
42.0 2020
2018
2019
2020
Q1: 0.02
Med: 18.52
Q3: 93.75
Average +32 pts over 3 years

In 2020, the debt ratio of ETUDE JEANNE D'ARC (42.00) 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
34.53% 2020
2018
2019
2020
Q1: 7.64%
Med: 31.23%
Q3: 59.48%
Good -8 pts over 3 years

In 2020, the financial autonomy of ETUDE JEANNE D'ARC (34.5%) 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
-1.27 years 2020
2018
2019
2020
Q1: 0.0 years
Med: 0.03 years
Q3: 2.02 years
Excellent -25 pts over 3 years

In 2020, the repayment capacity of ETUDE JEANNE D'ARC (-1.27) 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 111.34. 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

111.336

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

-2.023

Liquidity indicators evolution
ETUDE JEANNE D'ARC

Sector positioning

Liquidity ratio
111.34 2020
2018
2019
2020
Q1: 117.75
Med: 199.64
Q3: 409.63
Average -9 pts over 3 years

In 2020, the liquidity ratio of ETUDE JEANNE D'ARC (111.34) 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
-2.02x 2020
2018
2019
2020
Q1: 0.0x
Med: 0.0x
Q3: 1.03x
Average -50 pts over 3 years

In 2020, the interest coverage of ETUDE JEANNE D'ARC (-2.0x) 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. Average customer payment term: 6 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 34 days. Favorable situation: supplier credit is longer than customer credit by 28 days. WCR is negative (-202 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

-264 171 €

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

6 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

34 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

-202 j

WCR and payment terms evolution
ETUDE JEANNE D'ARC

Positioning of ETUDE JEANNE D'ARC in its sector

Comparison with sector Agences immobilières

Valuation estimate

Based on 99 transactions of similar company sales in 2020, the value of ETUDE JEANNE D'ARC is estimated at 127 198 € (range 74 920€ - 271 371€). 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
74k€ 127k€ 271k€
127 198 € Range: 74 920€ - 271 371€
NAF 5 année 2020

Valuation method used

Revenue Multiple
470 826 € × 0.27x = 127 199 €
Range: 74 921€ - 271 372€

Only this financial indicator is available for this company.

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 ETUDE JEANNE D'ARC with other companies in the same sector:

Voir toutes les statistiques du secteur Agences immobilières

Frequently asked questions about ETUDE JEANNE D'ARC

What is the revenue of ETUDE JEANNE D'ARC ?

The revenue of ETUDE JEANNE D'ARC in 2020 is 471 k€.

Is ETUDE JEANNE D'ARC profitable?

ETUDE JEANNE D'ARC recorded a net loss in 2020.

Where is the headquarters of ETUDE JEANNE D'ARC ?

The headquarters of ETUDE JEANNE D'ARC is located in PARIS (75013), in the department Paris.

Where to find the tax return of ETUDE JEANNE D'ARC ?

The tax return of ETUDE JEANNE D'ARC 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 ETUDE JEANNE D'ARC operate?

ETUDE JEANNE D'ARC operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.