FONCIA CENTRE VAL DE LOIRE : revenue, balance sheet and financial ratios

FONCIA CENTRE VAL DE LOIRE is a French company founded 55 years ago, specialized in the sector Administration d'immeubles et autres biens immobiliers. Based in TOURS (37000), this company of category GE shows in 2024 a revenue of 6.3 M€. 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 - FONCIA CENTRE VAL DE LOIRE (SIREN 307213249)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 6 263 144 € 6 188 401 € 6 207 249 € 6 204 294 € 6 025 525 € 6 491 946 € 6 594 682 € 6 158 871 € 5 863 159 €
Net income 563 219 € 555 198 € 854 534 € 627 040 € 608 719 € 362 820 € 387 772 € 669 308 € 152 684 €
EBITDA 1 526 779 € 1 539 386 € 1 899 653 € 1 763 548 € 1 805 948 € 907 661 € 965 457 € 1 746 913 € 977 063 €
Net margin 9.0% 9.0% 13.8% 10.1% 10.1% 5.6% 5.9% 10.9% 2.6%

Revenue and income statement

In 2024, FONCIA CENTRE VAL DE LOIRE achieves revenue of 6.3 M€. Revenue is growing positively over 9 years (CAGR: +0.8%). Vs 2023: +1%. After deducting consumption (0 €), gross margin stands at 6.3 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 1.5 M€, representing 24.4% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 563 k€, i.e. 9.0% 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

6 263 144 €

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

6 263 144 €

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

1 526 779 €

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

719 330 €

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

563 219 €

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

24.4%

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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 26%. 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 51%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 9.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

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

25.869%

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

51.418%

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

9.646%

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

2.481

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

3.3%

Solvency indicators evolution
FONCIA CENTRE VAL DE LOIRE

Sector positioning

Debt ratio
25.87 2024
2022
2023
2024
Q1: 0.0
Med: 9.88
Q3: 66.83
Average -14 pts over 3 years

In 2024, the debt ratio of FONCIA CENTRE VAL DE LOIRE (25.87) 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
51.42% 2024
2022
2023
2024
Q1: 3.14%
Med: 14.37%
Q3: 43.78%
Excellent +6 pts over 3 years

In 2024, the financial autonomy of FONCIA CENTRE VAL DE LOIRE (51.4%) 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
2.48 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.18 years
Q3: 4.28 years
Average -11 pts over 3 years

In 2024, the repayment capacity of FONCIA CENTRE VAL DE LOIRE (2.48) 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 75.37. 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 6.8x. 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

75.372

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

6.809

Liquidity indicators evolution
FONCIA CENTRE VAL DE LOIRE

Sector positioning

Liquidity ratio
75.37 2024
2022
2023
2024
Q1: 100.01
Med: 116.58
Q3: 409.86
Watch

In 2024, the liquidity ratio of FONCIA CENTRE VAL DE LOIRE (75.37) 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
6.81x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 7.69x
Good +8 pts over 3 years

In 2024, the interest coverage of FONCIA CENTRE VAL DE LOIRE (6.8x) 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: 20 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 207 days. Excellent situation: suppliers finance 187 days of the operating cycle (retail model). WCR is negative (-95 days): operations structurally generate cash. Over 2016-2024, WCR increased by +73%, requiring additional financing.

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

-1 657 979 €

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

20 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

207 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

-95 j

WCR and payment terms evolution
FONCIA CENTRE VAL DE LOIRE

Positioning of FONCIA CENTRE VAL DE LOIRE in its sector

Comparison with sector Administration d'immeubles et autres biens immobiliers

Valuation estimate

Based on 277 transactions of similar company sales (all years), the value of FONCIA CENTRE VAL DE LOIRE is estimated at 1 799 985 € (range 667 197€ - 4 998 333€). With an EBITDA of 1 526 779€, the sector multiple of 1.3x is applied. The price/revenue ratio is 0.29x (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 2024
277 transactions
667k€ 1799k€ 4998k€
1 799 985 € Range: 667 197€ - 4 998 333€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
1 526 779 € × 1.3x
Estimation 2 024 921 €
704 551€ - 6 109 440€
Revenue Multiple 30%
6 263 144 € × 0.29x
Estimation 1 787 219 €
861 445€ - 3 899 012€
Net Income Multiple 20%
563 219 € × 2.2x
Estimation 1 256 795 €
282 444€ - 3 869 553€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 277 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 (Administration d'immeubles et autres biens immobiliers)

Compare FONCIA CENTRE VAL DE LOIRE with other companies in the same sector:

Voir toutes les statistiques du secteur Administration d'immeubles et autres biens immobiliers

Frequently asked questions about FONCIA CENTRE VAL DE LOIRE

What is the revenue of FONCIA CENTRE VAL DE LOIRE ?

The revenue of FONCIA CENTRE VAL DE LOIRE in 2024 is 6.3 M€.

Is FONCIA CENTRE VAL DE LOIRE profitable?

Yes, FONCIA CENTRE VAL DE LOIRE generated a net profit of 563 k€ in 2024.

Where is the headquarters of FONCIA CENTRE VAL DE LOIRE ?

The headquarters of FONCIA CENTRE VAL DE LOIRE is located in TOURS (37000), in the department Indre-et-Loire.

Where to find the tax return of FONCIA CENTRE VAL DE LOIRE ?

The tax return of FONCIA CENTRE VAL DE LOIRE 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 FONCIA CENTRE VAL DE LOIRE operate?

FONCIA CENTRE VAL DE LOIRE operates in the sector Administration d'immeubles et autres biens immobiliers (NAF code 68.32A). See the 'Sector positioning' section above to compare the company with its competitors.