IMMOBILIERE JEANNE D'ARC : revenue, balance sheet and financial ratios

In 2024, IMMOBILIERE JEANNE D'ARC achieves revenue of 4 k€. Revenue is declining over the period 2016-2024 (CAGR: -44.2%). Vs 2023: +7%. After deducting consumption (0 €), gross margin stands at 4 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 1 k€, representing 26.1% of revenue. Positive scissor effect: EBITDA margin improves by +42.5 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 343 k€, i.e. 8520.5% of revenue. This profit can be retained or distributed to shareholders.

The debt ratio (= Financial debt / Equity x 100) stands at 37%. Debt remains under control: the company retains capacity to raise new debt if needed. 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 repayment capacity (= Financial debt / Cash flow) indicates it would take 8.8 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 8520.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

The liquidity ratio (= Current assets / Current liabilities) stands at 3519047.19. 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 14829.2x. Operating income very largely covers interest expenses: high safety margin.

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 300 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 27 days. The gap of 273 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 985526 days of revenue, i.e. 11.0 M€ to permanently finance. Over 2016-2024, WCR increased by +1441%, requiring additional financing.

Based on 277 transactions of similar company sales (all years), the value of IMMOBILIERE JEANNE D'ARC is estimated at 154 058 € (range 34 796€ - 473 979€). With an EBITDA of 1 051€, 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.