IMMOBILIER YVES PASSAGA : revenue, balance sheet and financial ratios

IMMOBILIER YVES PASSAGA is a French company founded 26 years ago, specialized in the sector Administration d'immeubles et autres biens immobiliers. Based in BERTHOLENE (12310), this company of category PME shows in 2024 a revenue of 1.1 M€. 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

Financial history - IMMOBILIER YVES PASSAGA (SIREN 428957971)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 1 099 206 € 1 128 737 € 1 154 709 € 1 153 015 € 1 088 559 € 1 112 332 € 1 098 244 € 1 028 640 € 955 958 €
Net income 2 875 € 5 117 € 77 681 € 69 436 € 91 989 € 266 € -19 165 € 6 989 € -1 562 €
EBITDA 38 083 € 43 883 € 101 575 € 127 257 € 117 992 € 31 016 € 25 061 € 38 243 € 30 187 €
Net margin 0.3% 0.5% 6.7% 6.0% 8.5% 0.0% -1.7% 0.7% -0.2%

Revenue and income statement

In 2024, IMMOBILIER YVES PASSAGA achieves revenue of 1.1 M€. Revenue is growing positively over 9 years (CAGR: +1.8%). Slight decline of -3% vs 2023. After deducting consumption (-12 €), gross margin stands at 1.1 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 38 k€, representing 3.5% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 3 k€, i.e. 0.3% 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

1 099 206 €

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

1 099 218 €

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

38 083 €

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

934 €

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

2 875 €

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

3.5%

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 22%. 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 12%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.8 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 3.6% 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

22.094%

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

11.995%

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

3.637%

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

1.775

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

30.5%

Solvency indicators evolution
IMMOBILIER YVES PASSAGA

Sector positioning

Debt ratio
22.09 2024
2022
2023
2024
Q1: 0.0
Med: 9.88
Q3: 66.83
Average +14 pts over 3 years

In 2024, the debt ratio of IMMOBILIER YVES PASSAGA (22.09) 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
11.99% 2024
2022
2023
2024
Q1: 3.14%
Med: 14.37%
Q3: 43.78%
Average

In 2024, the financial autonomy of IMMOBILIER YVES PASSAGA (12.0%) 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
1.77 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.18 years
Q3: 4.28 years
Average +9 pts over 3 years

In 2024, the repayment capacity of IMMOBILIER YVES PASSAGA (1.77) 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 102.58. 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 6.0x. 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

102.585

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

5.955

Liquidity indicators evolution
IMMOBILIER YVES PASSAGA

Sector positioning

Liquidity ratio
102.58 2024
2022
2023
2024
Q1: 100.01
Med: 116.58
Q3: 409.86
Average -5 pts over 3 years

In 2024, the liquidity ratio of IMMOBILIER YVES PASSAGA (102.58) 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
5.96x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 7.69x
Good +7 pts over 3 years

In 2024, the interest coverage of IMMOBILIER YVES PASSAGA (6.0x) 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: 24 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 31 days. Favorable situation: supplier credit is longer than customer credit by 7 days. WCR is negative (-819 days): operations structurally generate cash. Notable WCR improvement over the period (-164%), freeing up cash.

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

-2 500 749 €

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

24 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

31 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

0 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

-819 j

WCR and payment terms evolution
IMMOBILIER YVES PASSAGA

Positioning of IMMOBILIER YVES PASSAGA in its sector

Comparison with sector Administration d'immeubles et autres biens immobiliers

Valuation estimate

Based on 277 transactions of similar company sales (all years), the value of IMMOBILIER YVES PASSAGA is estimated at 120 636 € (range 54 431€ - 285 432€). With an EBITDA of 38 083€, the sector multiple of 1.3x is applied. The price/revenue ratio is 0.29x (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
277 transactions
54k€ 120k€ 285k€
120 636 € Range: 54 431€ - 285 432€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
38 083 € × 1.3x
Estimation 50 508 €
17 574€ - 152 390€
Revenue Multiple 30%
1 099 206 € × 0.29x
Estimation 313 664 €
151 187€ - 684 292€
Net Income Multiple 20%
2 875 € × 2.2x
Estimation 6 415 €
1 442€ - 19 752€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 277 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 (Administration d'immeubles et autres biens immobiliers)

Compare IMMOBILIER YVES PASSAGA with other companies in the same sector:

Voir toutes les statistiques du secteur Administration d'immeubles et autres biens immobiliers

Frequently asked questions about IMMOBILIER YVES PASSAGA

What is the revenue of IMMOBILIER YVES PASSAGA ?

The revenue of IMMOBILIER YVES PASSAGA in 2024 is 1.1 M€.

Is IMMOBILIER YVES PASSAGA profitable?

Yes, IMMOBILIER YVES PASSAGA generated a net profit of 3 k€ in 2024.

Where is the headquarters of IMMOBILIER YVES PASSAGA ?

The headquarters of IMMOBILIER YVES PASSAGA is located in BERTHOLENE (12310), in the department Aveyron.

Where to find the tax return of IMMOBILIER YVES PASSAGA ?

The tax return of IMMOBILIER YVES PASSAGA 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 IMMOBILIER YVES PASSAGA operate?

IMMOBILIER YVES PASSAGA operates in the sector Administration d'immeubles et autres biens immobiliers (NAF code 68.32A). See the 'Sector positioning' section above to compare the company with its competitors.