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IMMOBILIERE SAINT-ANDRE : revenue, balance sheet and financial ratios

IMMOBILIERE SAINT-ANDRE is a French company founded 29 years ago, specialized in the sector Agences immobilières. Based in BOURGES (18000), this company of category PME shows in 2022 a net income negative of -363€. 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 - IMMOBILIERE SAINT-ANDRE (SIREN 407630490)
Indicator 2022 2019 2017 2016
Revenue N/C N/C N/C N/C
Net income -363 € -330 € -1 043 € -256 €
EBITDA -363 € -330 € -1 043 € -256 €
Net margin N/C N/C N/C N/C

Revenue and income statement

In 2022, IMMOBILIERE SAINT-ANDRE records a net loss of 363 €. This deficit will reduce equity on the balance sheet.

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

-363 €

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

-363 €

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

-363 €

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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 -107%. 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 -1109%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

-106.528%

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

-1109.174%

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

-49.672

Solvency indicators evolution
IMMOBILIERE SAINT-ANDRE

Sector positioning

Debt ratio
-106.53 2022
2017
2019
2022
Q1: 0.02
Med: 16.09
Q3: 77.93
Excellent

In 2022, the debt ratio of IMMOBILIERE SAINT-ANDRE (-106.53) 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.

Financial autonomy
-1109.17% 2022
2017
2019
2022
Q1: 7.59%
Med: 32.81%
Q3: 61.8%
Watch

In 2022, the financial autonomy of IMMOBILIERE SAINT-ANDRE (-1109.2%) ranks in the bottom 25% of the sector. This ratio represents the share of equity in total financing. Low autonomy may limit investment capacity and increase vulnerability.

Repayment capacity
-49.67 years 2022
2017
2019
2022
Q1: 0.0 years
Med: 0.01 years
Q3: 1.65 years
Excellent

In 2022, the repayment capacity of IMMOBILIERE SAINT-ANDRE (-49.67) 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 362.47. 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

362.47

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

0.0

Liquidity indicators evolution
IMMOBILIERE SAINT-ANDRE

Sector positioning

Liquidity ratio
362.47 2022
2017
2019
2022
Q1: 112.52
Med: 195.07
Q3: 419.05
Good +44 pts over 3 years

In 2022, the liquidity ratio of IMMOBILIERE SAINT-ANDRE (362.47) 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
0.0x 2022
2017
2019
2022
Q1: 0.0x
Med: 0.0x
Q3: 1.34x
Average

In 2022, the interest coverage of IMMOBILIERE SAINT-ANDRE (0.0x) 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: 348 days. Excellent situation: suppliers finance 348 days of the operating cycle (retail model).

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

0 €

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

0 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

348 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 and payment terms evolution
IMMOBILIERE SAINT-ANDRE

Positioning of IMMOBILIERE SAINT-ANDRE in its sector

Comparison with sector Agences immobilières

Similar companies (Agences immobilières)

Compare IMMOBILIERE SAINT-ANDRE with other companies in the same sector:

Voir toutes les statistiques du secteur Agences immobilières

Frequently asked questions about IMMOBILIERE SAINT-ANDRE

What is the revenue of IMMOBILIERE SAINT-ANDRE ?

The revenue of IMMOBILIERE SAINT-ANDRE is not publicly disclosed (confidential accounts filed with INPI).

Is IMMOBILIERE SAINT-ANDRE profitable?

IMMOBILIERE SAINT-ANDRE recorded a net loss in 2022.

Where is the headquarters of IMMOBILIERE SAINT-ANDRE ?

The headquarters of IMMOBILIERE SAINT-ANDRE is located in BOURGES (18000), in the department Cher.

Where to find the tax return of IMMOBILIERE SAINT-ANDRE ?

The tax return of IMMOBILIERE SAINT-ANDRE 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 IMMOBILIERE SAINT-ANDRE operate?

IMMOBILIERE SAINT-ANDRE operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.