GRAND GARAGE MONTLUCONNAIS SAS : revenue, balance sheet and financial ratios

GRAND GARAGE MONTLUCONNAIS SAS is a French company founded 70 years ago, specialized in the sector Commerce de voitures et de véhicules automobiles légers. Based in MONTLUCON (03100), this company of category ETI shows in 2024 a revenue of 12.4 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

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

Financial history - GRAND GARAGE MONTLUCONNAIS SAS (SIREN 915650428)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 12 363 523 € 11 316 403 € 10 213 814 € 12 405 928 € 12 313 662 € 14 265 961 € 13 174 794 € 12 416 873 € 12 937 627 €
Net income 51 064 € -47 525 € 30 725 € -73 312 € 24 941 € 261 412 € 268 359 € 15 119 € -27 362 €
EBITDA 194 880 € 69 927 € 65 118 € -153 536 € 6 063 € 211 606 € 237 536 € -36 772 € -78 572 €
Net margin 0.4% -0.4% 0.3% -0.6% 0.2% 1.8% 2.0% 0.1% -0.2%

Revenue and income statement

In 2024, GRAND GARAGE MONTLUCONNAIS SAS achieves revenue of 12.4 M€. Activity remains stable over the period (CAGR: -0.6%). Vs 2023: +9%. After deducting consumption (9.9 M€), gross margin stands at 2.5 M€, i.e. a rate of 20%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 195 k€, representing 1.6% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 51 k€, i.e. 0.4% 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

12 363 523 €

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

2 468 320 €

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

194 880 €

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

30 730 €

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

51 064 €

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

1.6%

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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 0%. 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 45%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 1.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

0.0%

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

45.06%

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

1.248%

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

0.0

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

21.2%

Solvency indicators evolution
GRAND GARAGE MONTLUCONNAIS SAS

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 4.08
Med: 38.33
Q3: 127.96
Excellent

In 2024, the debt ratio of GRAND GARAGE MONTLUCONNAI... (0.00) 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
45.06% 2024
2022
2023
2024
Q1: 10.78%
Med: 27.25%
Q3: 53.06%
Good

In 2024, the financial autonomy of GRAND GARAGE MONTLUCONNAI... (45.1%) 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
0.0 years 2024
2022
2023
2024
Q1: -0.37 years
Med: 0.21 years
Q3: 3.53 years
Good +16 pts over 3 years

In 2024, the repayment capacity of GRAND GARAGE MONTLUCONNAI... (0.00) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 169.03. 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 18.3x. 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

169.035

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

18.261

Liquidity indicators evolution
GRAND GARAGE MONTLUCONNAIS SAS

Sector positioning

Liquidity ratio
169.03 2024
2022
2023
2024
Q1: 132.93
Med: 200.61
Q3: 386.05
Average +7 pts over 3 years

In 2024, the liquidity ratio of GRAND GARAGE MONTLUCONNAI... (169.03) 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
18.26x 2024
2022
2023
2024
Q1: 0.0x
Med: 2.15x
Q3: 25.1x
Good -7 pts over 3 years

In 2024, the interest coverage of GRAND GARAGE MONTLUCONNAI... (18.3x) 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: 7 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 79 days. Excellent situation: suppliers finance 72 days of the operating cycle (retail model). Inventory turnover is 95 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 101 days of revenue, i.e. 3.5 M€ to permanently finance.

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

3 479 590 €

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

7 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

79 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

95 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

101 j

WCR and payment terms evolution
GRAND GARAGE MONTLUCONNAIS SAS

Positioning of GRAND GARAGE MONTLUCONNAIS SAS in its sector

Comparison with sector Commerce de voitures et de véhicules automobiles légers

Valuation estimate

Based on 148 transactions of similar company sales in 2024, the value of GRAND GARAGE MONTLUCONNAIS SAS is estimated at 778 778 € (range 344 586€ - 1 368 436€). With an EBITDA of 194 880€, the sector multiple of 1.6x is applied. The price/revenue ratio is 0.16x (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
148 transactions
344k€ 778k€ 1368k€
778 778 € Range: 344 586€ - 1 368 436€
NAF 5 année 2024

Valuation detail by method

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EBITDA Multiple 50%
194 880 € × 1.6x
Estimation 314 386 €
116 988€ - 468 085€
Revenue Multiple 30%
12 363 523 € × 0.16x
Estimation 1 983 142 €
905 730€ - 3 499 266€
Net Income Multiple 20%
51 064 € × 2.6x
Estimation 133 216 €
71 868€ - 423 074€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 148 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 (Commerce de voitures et de véhicules automobiles légers)

Compare GRAND GARAGE MONTLUCONNAIS SAS with other companies in the same sector:

Voir toutes les statistiques du secteur Commerce de voitures et de véhicules automobiles légers

Frequently asked questions about GRAND GARAGE MONTLUCONNAIS SAS

What is the revenue of GRAND GARAGE MONTLUCONNAIS SAS ?

The revenue of GRAND GARAGE MONTLUCONNAIS SAS in 2024 is 12.4 M€.

Is GRAND GARAGE MONTLUCONNAIS SAS profitable?

Yes, GRAND GARAGE MONTLUCONNAIS SAS generated a net profit of 51 k€ in 2024.

Where is the headquarters of GRAND GARAGE MONTLUCONNAIS SAS ?

The headquarters of GRAND GARAGE MONTLUCONNAIS SAS is located in MONTLUCON (03100), in the department Allier.

Where to find the tax return of GRAND GARAGE MONTLUCONNAIS SAS ?

The tax return of GRAND GARAGE MONTLUCONNAIS SAS 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 GRAND GARAGE MONTLUCONNAIS SAS operate?

GRAND GARAGE MONTLUCONNAIS SAS operates in the sector Commerce de voitures et de véhicules automobiles légers (NAF code 45.11Z). See the 'Sector positioning' section above to compare the company with its competitors.