Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.

HOLDING MICHEL ARNAL : revenue, balance sheet and financial ratios

HOLDING MICHEL ARNAL is a French company founded 4 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in MILLAU (12100), this company of category PME shows in 2025 a net income positive of 373 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

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

Financial history - HOLDING MICHEL ARNAL (SIREN 911468148)
Indicator 2025 2024 2023 2022
Revenue N/C N/C N/C N/C
Net income 373 399 € 35 551 € 71 382 € 0 €
EBITDA -17 691 € -3 944 € -5 915 € N/C
Net margin N/C N/C N/C N/C

Revenue and income statement

In 2025, HOLDING MICHEL ARNAL generates positive net income of 373 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2023-2025: 71 k€ -> 373 k€.

EBITDA (2025) ?
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

-17 691 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-29 236 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

373 399 €

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 13%. 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 87%. 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 7.5 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

13.274%

Financial autonomy (2025) ?
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

87.067%

Repayment capacity (2025) ?
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

7.535

Solvency indicators evolution
HOLDING MICHEL ARNAL

Sector positioning

Debt ratio
13.27 2025
2023
2024
2025
Q1: 0.0
Med: 9.32
Q3: 106.89
Average

In 2025, the debt ratio of HOLDING MICHEL ARNAL (13.27) 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
87.07% 2025
2023
2024
2025
Q1: 5.44%
Med: 48.25%
Q3: 86.22%
Excellent

In 2025, the financial autonomy of HOLDING MICHEL ARNAL (87.1%) 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
7.54 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 1.1 years
Q3: 9.05 years
Average +7 pts over 3 years

In 2025, the repayment capacity of HOLDING MICHEL ARNAL (7.54) 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 6780.94. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
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

6780.936

Interest coverage (2025) ?
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

-24.764

Liquidity indicators evolution
HOLDING MICHEL ARNAL

Sector positioning

Liquidity ratio
6780.94 2025
2024
2025
Q1: 94.97
Med: 379.16
Q3: 1892.71
Excellent

In 2025, the liquidity ratio of HOLDING MICHEL ARNAL (6780.94) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
-24.76x 2025
2023
2024
2025
Q1: -0.08x
Med: 0.0x
Q3: 11.93x
Average

In 2025, the interest coverage of HOLDING MICHEL ARNAL (-24.8x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 31 days. Excellent situation: suppliers finance 31 days of the operating cycle (retail model).

Operating WCR (2025) ?
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

0 €

Customer credit (2025) ?
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

0 j

Supplier credit (2025) ?
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

31 j

Inventory turnover (2025) ?
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 and payment terms evolution
HOLDING MICHEL ARNAL

Positioning of HOLDING MICHEL ARNAL in its sector

Comparison with sector Location de terrains et d'autres biens immobiliers

Valuation estimate

Based on 117 transactions of similar company sales in 2025, the value of HOLDING MICHEL ARNAL is estimated at 1 730 447 € (range 470 491€ - 4 025 079€). 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 2025
117 transactions
470k€ 1730k€ 4025k€
1 730 447 € Range: 470 491€ - 4 025 079€
NAF 5 année 2025

Valuation method used

Net Income Multiple
373 399 € × 4.6x = 1 730 447 €
Range: 470 492€ - 4 025 079€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 117 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 (Location de terrains et d'autres biens immobiliers)

Compare HOLDING MICHEL ARNAL with other companies in the same sector:

Voir toutes les statistiques du secteur Location de terrains et d'autres biens immobiliers

Frequently asked questions about HOLDING MICHEL ARNAL

What is the revenue of HOLDING MICHEL ARNAL ?

The revenue of HOLDING MICHEL ARNAL is not publicly disclosed (confidential accounts filed with INPI).

Is HOLDING MICHEL ARNAL profitable?

Yes, HOLDING MICHEL ARNAL generated a net profit of 373 k€ in 2025.

Where is the headquarters of HOLDING MICHEL ARNAL ?

The headquarters of HOLDING MICHEL ARNAL is located in MILLAU (12100), in the department Aveyron.

Where to find the tax return of HOLDING MICHEL ARNAL ?

The tax return of HOLDING MICHEL ARNAL 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 MICHEL ARNAL operate?

HOLDING MICHEL ARNAL operates in the sector Location de terrains et d'autres biens immobiliers (NAF code 68.20B). See the 'Sector positioning' section above to compare the company with its competitors.