SIREN : 574502597
LA GARANTIE is a French company founded 69 years ago, specialized in the sector Agences immobilières. Based in SAINT-ETIENNE (42000), this company of category PME shows in 2024 a revenue of 397 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 396 958 € | 333 558 € | 554 333 € | 491 122 € | 361 222 € | 435 255 € | 252 354 € | 331 447 € | 178 109 € |
| Net income | 19 240 € | 20 852 € | 76 172 € | 59 599 € | 43 091 € | 63 382 € | 2 568 € | 14 192 € | 1 152 € |
| EBITDA | 22 867 € | 25 043 € | 92 507 € | 75 583 € | 54 071 € | 82 227 € | 3 885 € | 12 308 € | 2 058 € |
| Net margin | 4.8% | 6.3% | 13.7% | 12.1% | 11.9% | 14.6% | 1.0% | 4.3% | 0.6% |
In 2024, LA GARANTIE achieves revenue of 397 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +10.5%. Vs 2023, growth of +19% (334 k€ -> 397 k€). After deducting consumption (0 €), gross margin stands at 397 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 23 k€, representing 5.8% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 19 k€, i.e. 4.8% of revenue. This profit can be retained or distributed to shareholders.
396 958 €
396 958 €
22 867 €
19 197 €
19 240 €
5.8%
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 54%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 5.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
0.0%
53.506%
5.784%
0.0
57.4%
In 2024, the debt ratio of LA GARANTIE (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 2024, the financial autonomy of LA GARANTIE (53.5%) 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 2024, the repayment capacity of LA GARANTIE (0.00) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
The liquidity ratio (= Current assets / Current liabilities) stands at 199.93. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
199.934
0.0
In 2024, the liquidity ratio of LA GARANTIE (199.93) 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.
In 2024, the interest coverage of LA GARANTIE (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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 8 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 63 days. Excellent situation: suppliers finance 55 days of the operating cycle (retail model). WCR is negative (-1 days): operations structurally generate cash. Over 2016-2024, WCR increased by +99%, requiring additional financing.
-786 €
8 j
63 j
0 j
-1 j
Based on 64 transactions of similar company sales
in 2024,
the value of LA GARANTIE is estimated at
93 978 €
(range 43 505€ - 168 766€).
With an EBITDA of 22 867€, the sector multiple of 3.1x is applied.
The price/revenue ratio is 0.33x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 64 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 LA GARANTIE with other companies in the same sector:
Voir toutes les statistiques du secteur Agences immobilières
The revenue of LA GARANTIE in 2024 is 397 k€.
Yes, LA GARANTIE generated a net profit of 19 k€ in 2024.
The headquarters of LA GARANTIE is located in SAINT-ETIENNE (42000), in the department Loire.
The tax return of LA GARANTIE 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).
LA GARANTIE operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.