LAFRANCAISE AUTOMOBILE : revenue, balance sheet and financial ratios

LAFRANCAISE AUTOMOBILE is a French company founded 34 years ago, specialized in the sector Commerce de voitures et de véhicules automobiles légers. Based in LAFRANCAISE (82130), this company of category PME shows in 2020 a revenue of 822 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - LAFRANCAISE AUTOMOBILE (SIREN 385345723)
Indicator 2020 2019 2018 2017 2016
Revenue 822 371 € 901 154 € 1 096 572 € 870 506 € 960 203 €
Net income -24 535 € -5 630 € 459 € -23 166 € -23 694 €
EBITDA -26 682 € 3 689 € 9 722 € -10 992 € -4 626 €
Net margin -3.0% -0.6% 0.0% -2.7% -2.5%

Revenue and income statement

In 2020, LAFRANCAISE AUTOMOBILE achieves revenue of 822 k€. Activity remains stable over the period (CAGR: -3.8%). Slight decline of -9% vs 2019. After deducting consumption (540 k€), gross margin stands at 283 k€, i.e. a rate of 34%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -27 k€, representing -3.2% of revenue. Warning negative scissor effect: despite revenue change (-9%), EBITDA varies by -823%, reducing margin by 3.7 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -25 k€ (-3.0% of revenue), which will impact equity.

Revenue (2020) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

822 371 €

Gross margin (2020) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

282 673 €

EBITDA (2020) ?
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

-26 682 €

EBIT (2020) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-21 801 €

Net income (2020) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-24 535 €

EBITDA margin (2020) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-3.2%

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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 98%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 38%. The balance between equity and debt is satisfactory.

Debt ratio (2020) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

98.495%

Financial autonomy (2020) ?
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

37.825%

Cash flow / Revenue (2020) ?
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

-3.787%

Repayment capacity (2020) ?
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

-0.62

Asset age ratio (2020) ?
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

7.2%

Solvency indicators evolution
LAFRANCAISE AUTOMOBILE

Sector positioning

Debt ratio
98.5 2020
2018
2019
2020
Q1: 8.99
Med: 66.75
Q3: 191.34
Average +12 pts over 3 years

In 2020, the debt ratio of LAFRANCAISE AUTOMOBILE (98.50) 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
37.83% 2020
2018
2019
2020
Q1: 13.09%
Med: 28.88%
Q3: 52.76%
Good -12 pts over 3 years

In 2020, the financial autonomy of LAFRANCAISE AUTOMOBILE (37.8%) 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.

Repayment capacity
-0.62 years 2020
2018
2019
2020
Q1: -0.02 years
Med: 0.52 years
Q3: 5.33 years
Excellent -48 pts over 3 years

In 2020, the repayment capacity of LAFRANCAISE AUTOMOBILE (-0.62) 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 104.09. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2020) ?
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

104.094

Interest coverage (2020) ?
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

-9.909

Liquidity indicators evolution
LAFRANCAISE AUTOMOBILE

Sector positioning

Liquidity ratio
104.09 2020
2018
2019
2020
Q1: 139.3
Med: 207.41
Q3: 372.02
Watch -12 pts over 3 years

In 2020, the liquidity ratio of LAFRANCAISE AUTOMOBILE (104.09) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
-9.91x 2020
2018
2019
2020
Q1: 0.0x
Med: 0.35x
Q3: 7.29x
Average -45 pts over 3 years

In 2020, the interest coverage of LAFRANCAISE AUTOMOBILE (-9.9x) 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: 29 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 22 days. The company must finance 7 days of gap between collections and payments. Inventory turnover is 38 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 64 days of revenue, i.e. 147 k€ to permanently finance.

Operating WCR (2020) ?
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

146 612 €

Customer credit (2020) ?
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

29 j

Supplier credit (2020) ?
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

22 j

Inventory turnover (2020) ?
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

38 j

WCR in days of revenue (2020) ?
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

64 j

WCR and payment terms evolution
LAFRANCAISE AUTOMOBILE

Positioning of LAFRANCAISE AUTOMOBILE in its sector

Comparison with sector Commerce de voitures et de véhicules automobiles légers

Valuation estimate

Based on 122 transactions of similar company sales in 2020, the value of LAFRANCAISE AUTOMOBILE is estimated at 70 840 € (range 59 697€ - 250 345€). The price/revenue ratio is 0.09x (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 2020
122 transactions
59k€ 70k€ 250k€
70 840 € Range: 59 697€ - 250 345€
NAF 5 année 2020

Valuation method used

Revenue Multiple
822 371 € × 0.09x = 70 841 €
Range: 59 698€ - 250 345€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 122 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 (Commerce de voitures et de véhicules automobiles légers)

Compare LAFRANCAISE AUTOMOBILE with other companies in the same sector:

Voir toutes les statistiques du secteur Commerce de voitures et de véhicules automobiles légers

Frequently asked questions about LAFRANCAISE AUTOMOBILE

What is the revenue of LAFRANCAISE AUTOMOBILE ?

The revenue of LAFRANCAISE AUTOMOBILE in 2020 is 822 k€.

Is LAFRANCAISE AUTOMOBILE profitable?

LAFRANCAISE AUTOMOBILE recorded a net loss in 2020.

Where is the headquarters of LAFRANCAISE AUTOMOBILE ?

The headquarters of LAFRANCAISE AUTOMOBILE is located in LAFRANCAISE (82130), in the department Tarn-et-Garonne.

Where to find the tax return of LAFRANCAISE AUTOMOBILE ?

The tax return of LAFRANCAISE AUTOMOBILE 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 LAFRANCAISE AUTOMOBILE operate?

LAFRANCAISE AUTOMOBILE operates in the sector Commerce de voitures et de véhicules automobiles légers (NAF code 45.11Z). See the 'Sector positioning' section above to compare the company with its competitors.