GROUPE DIOGO FERNANDES : revenue, balance sheet and financial ratios

GROUPE DIOGO FERNANDES is a French company founded 38 years ago, specialized in the sector Construction de maisons individuelles. Based in SAINT-GERMAIN-EN-LAYE (78100), this company of category PME shows in 2020 a revenue of 18.6 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

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

Financial history - GROUPE DIOGO FERNANDES (SIREN 344445077)
Indicator 2020 2019 2018
Revenue 18 613 365 € 17 984 075 € 16 133 903 €
Net income 145 623 € 287 221 € 145 191 €
EBITDA 219 794 € 740 183 € 210 805 €
Net margin 0.8% 1.6% 0.9%

Revenue and income statement

In 2020, GROUPE DIOGO FERNANDES achieves revenue of 18.6 M€. Over the period 2018-2020, the company shows strong growth with a CAGR (compound annual growth rate) of +7.4%. Vs 2019: +3%. After deducting consumption (4.4 M€), gross margin stands at 14.3 M€, i.e. a rate of 77%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 220 k€, representing 1.2% of revenue. Warning negative scissor effect: despite revenue change (+3%), EBITDA varies by -70%, reducing margin by 2.9 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 146 k€, i.e. 0.8% of revenue. This profit can be retained or distributed to shareholders.

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

18 613 365 €

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

14 259 207 €

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

219 794 €

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

240 699 €

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

145 623 €

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

1.2%

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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 133%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 18%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 6.6 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 1.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

132.708%

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

18.436%

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

1.655%

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

6.636

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

17.7%

Solvency indicators evolution
GROUPE DIOGO FERNANDES

Sector positioning

Debt ratio
132.71 2020
2018
2019
2020
Q1: 0.03
Med: 15.55
Q3: 82.83
Average

In 2020, the debt ratio of GROUPE DIOGO FERNANDES (132.71) 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
18.44% 2020
2018
2019
2020
Q1: 4.78%
Med: 22.87%
Q3: 43.9%
Average

In 2020, the financial autonomy of GROUPE DIOGO FERNANDES (18.4%) 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
6.64 years 2020
2018
2019
2020
Q1: 0.0 years
Med: 0.0 years
Q3: 1.22 years
Average

In 2020, the repayment capacity of GROUPE DIOGO FERNANDES (6.64) 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 173.87. 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 3.3x. Financial charges are adequately covered by operations.

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

173.874

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

3.285

Liquidity indicators evolution
GROUPE DIOGO FERNANDES

Sector positioning

Liquidity ratio
173.87 2020
2018
2019
2020
Q1: 124.6
Med: 179.44
Q3: 279.2
Average

In 2020, the liquidity ratio of GROUPE DIOGO FERNANDES (173.87) 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
3.29x 2020
2018
2019
2020
Q1: 0.0x
Med: 0.0x
Q3: 1.0x
Excellent

In 2020, the interest coverage of GROUPE DIOGO FERNANDES (3.3x) 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: 51 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 43 days. The company must finance 8 days of gap between collections and payments. Inventory turnover is 62 days (= Average inventory / Cost of goods x 360). Overall, WCR represents 84 days of revenue, i.e. 4.3 M€ to permanently finance. Over 2018-2020, WCR increased by +40%, requiring additional financing.

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

4 319 790 €

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

51 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

43 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

62 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

84 j

WCR and payment terms evolution
GROUPE DIOGO FERNANDES

Positioning of GROUPE DIOGO FERNANDES in its sector

Comparison with sector Construction de maisons individuelles

Valuation estimate

Based on 113 transactions of similar company sales (all years), the value of GROUPE DIOGO FERNANDES is estimated at 1 087 669 € (range 603 206€ - 3 196 744€). With an EBITDA of 219 794€, the sector multiple of 3.6x is applied. The price/revenue ratio is 0.11x (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 2020
113 transactions
603k€ 1087k€ 3196k€
1 087 669 € Range: 603 206€ - 3 196 744€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
219 794 € × 3.6x
Estimation 801 860 €
302 179€ - 1 108 976€
Revenue Multiple 30%
18 613 365 € × 0.11x
Estimation 2 048 145 €
1 425 361€ - 8 030 410€
Net Income Multiple 20%
145 623 € × 2.5x
Estimation 361 478 €
122 543€ - 1 165 670€
How is this estimate calculated?

This estimate is based on the analysis of 113 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 (Construction de maisons individuelles)

Compare GROUPE DIOGO FERNANDES with other companies in the same sector:

Voir toutes les statistiques du secteur Construction de maisons individuelles

Frequently asked questions about GROUPE DIOGO FERNANDES

What is the revenue of GROUPE DIOGO FERNANDES ?

The revenue of GROUPE DIOGO FERNANDES in 2020 is 18.6 M€.

Is GROUPE DIOGO FERNANDES profitable?

Yes, GROUPE DIOGO FERNANDES generated a net profit of 146 k€ in 2020.

Where is the headquarters of GROUPE DIOGO FERNANDES ?

The headquarters of GROUPE DIOGO FERNANDES is located in SAINT-GERMAIN-EN-LAYE (78100), in the department Yvelines.

Where to find the tax return of GROUPE DIOGO FERNANDES ?

The tax return of GROUPE DIOGO FERNANDES 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 GROUPE DIOGO FERNANDES operate?

GROUPE DIOGO FERNANDES operates in the sector Construction de maisons individuelles (NAF code 41.20A). See the 'Sector positioning' section above to compare the company with its competitors.