SIREN : 429749393
IMMOBILIER & FINANCEMENT is a French company founded 26 years ago, specialized in the sector Agences immobilières. Based in AIX-EN-PROVENCE (13100), this company of category PME shows in 2019 a revenue of 228 k€. 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
| Indicator | 2019 | 2016 |
|---|---|---|
| Revenue | 227 917 € | 119 373 € |
| Net income | 39 064 € | 22 976 € |
| EBITDA | 41 337 € | 16 344 € |
| Net margin | 17.1% | 19.2% |
In 2019, IMMOBILIER & FINANCEMENT achieves revenue of 228 k€. Vs 2016, growth of +91% (119 k€ -> 228 k€). After deducting consumption (0 €), gross margin stands at 228 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 41 k€, representing 18.1% of revenue. Positive scissor effect: EBITDA margin improves by +4.4 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 39 k€, i.e. 17.1% of revenue. This profit can be retained or distributed to shareholders.
227 917 €
227 917 €
41 337 €
39 502 €
39 064 €
18.1%
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 34%. The balance between equity and debt is satisfactory. Cash flow represents 17.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.0%
33.89%
17.713%
0.0
40.9%
In 2019, the debt ratio of IMMOBILIER & FINANCEMENT (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.
In 2019, the financial autonomy of IMMOBILIER & FINANCEMENT (33.9%) 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.
In 2019, the repayment capacity of IMMOBILIER & FINANCEMENT (0.00) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 142.84. 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 1.1x. Coverage is limited: any activity downturn would jeopardize interest payments.
142.84
1.06
In 2019, the liquidity ratio of IMMOBILIER & FINANCEMENT (142.84) 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.
In 2019, the interest coverage of IMMOBILIER & FINANCEMENT (1.1x) 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) 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: 44 days. Excellent situation: suppliers finance 44 days of the operating cycle (retail model). Inventory turnover is 9 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. WCR is negative (-60 days): operations structurally generate cash.
-38 167 €
0 j
44 j
9 j
-60 j
Based on 113 transactions of similar company sales in 2019, the value of IMMOBILIER & FINANCEMENT is estimated at 102 500 € (range 49 197€ - 260 860€). With an EBITDA of 41 337€, the sector multiple of 3.0x is applied. The price/revenue ratio is 0.30x (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.
Ajustez les pondérations selon votre analyse
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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare IMMOBILIER & FINANCEMENT with other companies in the same sector:
Voir toutes les statistiques du secteur Agences immobilières
The revenue of IMMOBILIER & FINANCEMENT in 2019 is 228 k€.
Yes, IMMOBILIER & FINANCEMENT generated a net profit of 39 k€ in 2019.
The headquarters of IMMOBILIER & FINANCEMENT is located in AIX-EN-PROVENCE (13100), in the department Bouches-du-Rhone.
The tax return of IMMOBILIER & FINANCEMENT 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).
IMMOBILIER & FINANCEMENT operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.