HOLDING MAISON MONTARNAL : revenue, balance sheet and financial ratios

HOLDING MAISON MONTARNAL is a French company founded 24 years ago, specialized in the sector Services administratifs combinés de bureau. Based in AURILLAC (15000), this company of category PME shows in 2022 a revenue of 180 k€. 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 - HOLDING MAISON MONTARNAL (SIREN 443289863)
Indicator 2022 2020 2019 2018 2017 2016
Revenue 180 250 € N/C N/C 3 941 756 € N/C 3 747 748 €
Net income 2 594 € 202 226 € 83 472 € 86 236 € 78 433 € 109 848 €
EBITDA -49 023 € N/C N/C 78 689 € N/C 202 073 €
Net margin 1.4% N/C N/C 2.2% N/C 2.9%

Revenue and income statement

In 2022, HOLDING MAISON MONTARNAL achieves revenue of 180 k€. Revenue is declining over the period 2016-2022 (CAGR: -39.7%). After deducting consumption (0 €), gross margin stands at 180 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 -49 k€, representing -27.2% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 3 k€, i.e. 1.4% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

180 250 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

180 250 €

EBITDA (2022) ?
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

-49 023 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-459 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

2 594 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-27.2%

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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 27%. 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 73%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

26.997%

Financial autonomy (2022) ?
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

73.158%

Cash flow / Revenue (2022) ?
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

-25.396%

Repayment capacity (2022) ?
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

-11.01

Asset age ratio (2022) ?
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

93.2%

Solvency indicators evolution
HOLDING MAISON MONTARNAL

Sector positioning

Debt ratio
27.0 2022
2019
2020
2022
Q1: 0.06
Med: 19.36
Q3: 127.67
Average -14 pts over 3 years

In 2022, the debt ratio of HOLDING MAISON MONTARNAL (27.00) 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
73.16% 2022
2019
2020
2022
Q1: 8.69%
Med: 43.36%
Q3: 79.94%
Good +20 pts over 3 years

In 2022, the financial autonomy of HOLDING MAISON MONTARNAL (73.2%) 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
-11.01 years 2022
2022
Q1: 0.0 years
Med: 0.01 years
Q3: 3.18 years
Excellent

In 2022, the repayment capacity of HOLDING MAISON MONTARNAL (-11.01) 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 547.37. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2022) ?
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

547.372

Interest coverage (2022) ?
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

-11.36

Liquidity indicators evolution
HOLDING MAISON MONTARNAL

Sector positioning

Liquidity ratio
547.37 2022
2019
2020
2022
Q1: 102.48
Med: 282.67
Q3: 1129.65
Good +7 pts over 3 years

In 2022, the liquidity ratio of HOLDING MAISON MONTARNAL (547.37) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
-11.36x 2022
2022
Q1: -14.33x
Med: 0.0x
Q3: 0.09x
Average

In 2022, the interest coverage of HOLDING MAISON MONTARNAL (-11.4x) 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: 268 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 108 days. The gap of 160 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 862 days of revenue, i.e. 432 k€ to permanently finance. Over 2016-2022, WCR increased by +208%, requiring additional financing.

Operating WCR (2022) ?
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

431 630 €

Customer credit (2022) ?
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

268 j

Supplier credit (2022) ?
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

108 j

Inventory turnover (2022) ?
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 (2022) ?
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

862 j

WCR and payment terms evolution
HOLDING MAISON MONTARNAL

Positioning of HOLDING MAISON MONTARNAL in its sector

Comparison with sector Services administratifs combinés de bureau

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (40 transactions). This range of 13 168€ to 196 724€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2022
Indicative
13k€ 45k€ 196k€
45 986 € Range: 13 168€ - 196 724€
NAF 5 année 2022

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 40 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 (Services administratifs combinés de bureau)

Compare HOLDING MAISON MONTARNAL with other companies in the same sector:

Voir toutes les statistiques du secteur Services administratifs combinés de bureau

Frequently asked questions about HOLDING MAISON MONTARNAL

What is the revenue of HOLDING MAISON MONTARNAL ?

The revenue of HOLDING MAISON MONTARNAL in 2022 is 180 k€.

Is HOLDING MAISON MONTARNAL profitable?

Yes, HOLDING MAISON MONTARNAL generated a net profit of 3 k€ in 2022.

Where is the headquarters of HOLDING MAISON MONTARNAL ?

The headquarters of HOLDING MAISON MONTARNAL is located in AURILLAC (15000), in the department Cantal.

Where to find the tax return of HOLDING MAISON MONTARNAL ?

The tax return of HOLDING MAISON MONTARNAL 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 HOLDING MAISON MONTARNAL operate?

HOLDING MAISON MONTARNAL operates in the sector Services administratifs combinés de bureau (NAF code 82.11Z). See the 'Sector positioning' section above to compare the company with its competitors.