FONCIA RIVES DE GARONNE : revenue, balance sheet and financial ratios

FONCIA RIVES DE GARONNE is a French company founded 43 years ago, specialized in the sector Administration d'immeubles et autres biens immobiliers. Based in MONTAUBAN (82000), this company of category GE shows in 2024 a revenue of 7.9 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 RIVES DE GARONNE (SIREN 325539286)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Revenue 7 865 203 € 7 742 477 € 8 312 128 € 6 848 232 € 6 068 336 € 5 565 139 € 3 841 759 € 3 902 360 € 4 047 783 € 3 695 474 €
Net income -127 310 € -920 468 € 127 685 € -94 190 € 336 968 € 58 548 € 134 937 € 149 681 € 297 409 € 420 217 €
EBITDA 1 046 137 € 1 034 527 € 1 437 914 € 858 026 € 1 313 708 € 470 943 € 398 759 € 484 076 € 609 101 € 550 151 €
Net margin -1.6% -11.9% 1.5% -1.4% 5.6% 1.1% 3.5% 3.8% 7.3% 11.4%

Revenue and income statement

In 2024, FONCIA RIVES DE GARONNE achieves revenue of 7.9 M€. Over the period 2015-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +8.8%. Vs 2023: +2%. After deducting consumption (1 k€), gross margin stands at 7.9 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 1.0 M€, representing 13.3% of revenue. This level of operating margin is satisfactory for the sector. Net income is negative at -127 k€ (-1.6% of revenue), which will impact equity.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

7 865 203 €

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

7 864 200 €

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

1 046 137 €

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

227 561 €

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

-127 310 €

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

13.3%

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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 -29493%. 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 -0%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

-29493.26%

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

-0.227%

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

-7.003%

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

-20.304

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

39.9%

Solvency indicators evolution
FONCIA RIVES DE GARONNE

Sector positioning

Debt ratio
-29493.26 2024
2022
2023
2024
Q1: 0.0
Med: 9.88
Q3: 66.83
Excellent -53 pts over 3 years

In 2024, the debt ratio of FONCIA RIVES DE GARONNE (-29493.26) 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
-0.23% 2024
2022
2023
2024
Q1: 3.14%
Med: 14.37%
Q3: 43.78%
Average -10 pts over 3 years

In 2024, the financial autonomy of FONCIA RIVES DE GARONNE (-0.2%) 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
-20.3 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.18 years
Q3: 4.28 years
Excellent -50 pts over 3 years

In 2024, the repayment capacity of FONCIA RIVES DE GARONNE (-20.30) 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 111.78. 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 52.8x. 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

111.78

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

52.843

Liquidity indicators evolution
FONCIA RIVES DE GARONNE

Sector positioning

Liquidity ratio
111.78 2024
2022
2023
2024
Q1: 100.01
Med: 116.58
Q3: 409.86
Average +23 pts over 3 years

In 2024, the liquidity ratio of FONCIA RIVES DE GARONNE (111.78) 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
52.84x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 7.69x
Excellent

In 2024, the interest coverage of FONCIA RIVES DE GARONNE (52.8x) 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: 35 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 208 days. Excellent situation: suppliers finance 173 days of the operating cycle (retail model). Overall, WCR represents 14 days of revenue, i.e. 312 k€ to permanently finance. Over 2015-2024, WCR increased by +113%, 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

311 934 €

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

35 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

208 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

14 j

WCR and payment terms evolution
FONCIA RIVES DE GARONNE

Positioning of FONCIA RIVES DE GARONNE 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 RIVES DE GARONNE is estimated at 1 708 802 € (range 707 393€ - 4 452 467€). With an EBITDA of 1 046 137€, 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
707k€ 1708k€ 4452k€
1 708 802 € Range: 707 393€ - 4 452 467€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
1 046 137 € × 1.3x
Estimation 1 387 460 €
482 753€ - 4 186 140€
Revenue Multiple 30%
7 865 203 € × 0.29x
Estimation 2 244 375 €
1 081 796€ - 4 896 346€

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 RIVES DE GARONNE 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 RIVES DE GARONNE

What is the revenue of FONCIA RIVES DE GARONNE ?

The revenue of FONCIA RIVES DE GARONNE in 2024 is 7.9 M€.

Is FONCIA RIVES DE GARONNE profitable?

FONCIA RIVES DE GARONNE recorded a net loss in 2024.

Where is the headquarters of FONCIA RIVES DE GARONNE ?

The headquarters of FONCIA RIVES DE GARONNE is located in MONTAUBAN (82000), in the department Tarn-et-Garonne.

Where to find the tax return of FONCIA RIVES DE GARONNE ?

The tax return of FONCIA RIVES DE GARONNE 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 RIVES DE GARONNE operate?

FONCIA RIVES DE GARONNE 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.