LE PALLEC I.A.B.C. (IMMOBILIER.AUTOMOBILE.BUSINESS.CONSULTING) : revenue, balance sheet and financial ratios

LE PALLEC I.A.B.C. (IMMOBILIER.AUTOMOBILE.BUSINESS.CONSULTING) is a French company founded 13 years ago, specialized in the sector Activités des sociétés holding. Based in SAINT DOULCHARD (18230), this company of category PME shows in 2025 a revenue of 200 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

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

Financial history - LE PALLEC I.A.B.C. (IMMOBILIER.AUTOMOBILE.BUSINESS.CONSULTING) (SIREN 788612760)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017
Revenue 199 547 € 472 555 € 729 967 € 98 516 € 120 828 € 91 510 € 96 522 € 70 559 € 59 454 €
Net income 222 546 € 77 758 € 236 477 € 25 396 € 20 801 € 41 020 € 3 409 € 36 735 € 21 904 €
EBITDA -72 983 € 127 107 € 123 215 € 25 434 € 43 120 € 5 723 € 8 143 € 42 694 € 32 822 €
Net margin 111.5% 16.5% 32.4% 25.8% 17.2% 44.8% 3.5% 52.1% 36.8%

Revenue and income statement

In 2025, LE PALLEC I.A.B.C. (IMMOBILIER.AUTOMOBILE.BUSINESS.CONSULTING) achieves revenue of 200 k€. Over the period 2017-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +16.3%. Significant drop of -58% vs 2024. After deducting consumption (116 k€), gross margin stands at 84 k€, i.e. a rate of 42%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -73 k€, representing -36.6% of revenue. Warning negative scissor effect: despite revenue change (-58%), EBITDA varies by -157%, reducing margin by 63.5 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 223 k€, i.e. 111.5% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

199 547 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

83 501 €

EBITDA (2025) ?
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

-72 983 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-70 688 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

222 546 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-36.6%

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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 61%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 61%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

60.884%

Financial autonomy (2025) ?
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

61.223%

Cash flow / Revenue (2025) ?
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

-39.473%

Repayment capacity (2025) ?
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

-6.119

Asset age ratio (2025) ?
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

63.8%

Solvency indicators evolution
LE PALLEC I.A.B.C. (IMMOBILIER.AUTOMOBILE.BUSINESS.CONSULTING)

Sector positioning

Debt ratio
60.88 2025
2023
2024
2025
Q1: 0.04
Med: 8.09
Q3: 54.01
Average +12 pts over 3 years

In 2025, the debt ratio of LE PALLEC I.A.B.C. (IMMOB... (60.88) 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
61.22% 2025
2023
2024
2025
Q1: 21.27%
Med: 67.32%
Q3: 92.99%
Average -6 pts over 3 years

In 2025, the financial autonomy of LE PALLEC I.A.B.C. (IMMOB... (61.2%) 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
-6.12 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 0.19 years
Q3: 2.98 years
Excellent -31 pts over 3 years

In 2025, the repayment capacity of LE PALLEC I.A.B.C. (IMMOB... (-6.12) 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 4492.74. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
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

4492.736

Interest coverage (2025) ?
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

-37.855

Liquidity indicators evolution
LE PALLEC I.A.B.C. (IMMOBILIER.AUTOMOBILE.BUSINESS.CONSULTING)

Sector positioning

Liquidity ratio
4492.74 2025
2023
2024
2025
Q1: 161.8
Med: 834.57
Q3: 4761.54
Good +20 pts over 3 years

In 2025, the liquidity ratio of LE PALLEC I.A.B.C. (IMMOB... (4492.74) 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
-37.85x 2025
2023
2024
2025
Q1: -62.1x
Med: 0.0x
Q3: 0.0x
Average -40 pts over 3 years

In 2025, the interest coverage of LE PALLEC I.A.B.C. (IMMOB... (-37.9x) 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: 7 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 12 days. Favorable situation: supplier credit is longer than customer credit by 5 days. Inventory turnover is 687 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 713 days of revenue, i.e. 395 k€ to permanently finance. Over 2017-2025, WCR increased by +14804%, requiring additional financing.

Operating WCR (2025) ?
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

394 947 €

Customer credit (2025) ?
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

7 j

Supplier credit (2025) ?
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

12 j

Inventory turnover (2025) ?
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

687 j

WCR in days of revenue (2025) ?
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

713 j

WCR and payment terms evolution
LE PALLEC I.A.B.C. (IMMOBILIER.AUTOMOBILE.BUSINESS.CONSULTING)

Positioning of LE PALLEC I.A.B.C. (IMMOBILIER.AUTOMOBILE.BUSINESS.CONSULTING) in its sector

Comparison with sector Activités des sociétés holding

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 94 132€ to 1 243 896€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2025
Indicative
94k€ 274k€ 1243k€
274 513 € Range: 94 132€ - 1 243 896€
NAF 5 année 2025

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 20 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 (Activités des sociétés holding)

Compare LE PALLEC I.A.B.C. (IMMOBILIER.AUTOMOBILE.BUSINESS.CONSULTING) with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sociétés holding

Frequently asked questions about LE PALLEC I.A.B.C. (IMMOBILIER.AUTOMOBILE.BUSINESS.CONSULTING)

What is the revenue of LE PALLEC I.A.B.C. (IMMOBILIER.AUTOMOBILE.BUSINESS.CONSULTING) ?

The revenue of LE PALLEC I.A.B.C. (IMMOBILIER.AUTOMOBILE.BUSINESS.CONSULTING) in 2025 is 200 k€.

Is LE PALLEC I.A.B.C. (IMMOBILIER.AUTOMOBILE.BUSINESS.CONSULTING) profitable?

Yes, LE PALLEC I.A.B.C. (IMMOBILIER.AUTOMOBILE.BUSINESS.CONSULTING) generated a net profit of 223 k€ in 2025.

Where is the headquarters of LE PALLEC I.A.B.C. (IMMOBILIER.AUTOMOBILE.BUSINESS.CONSULTING) ?

The headquarters of LE PALLEC I.A.B.C. (IMMOBILIER.AUTOMOBILE.BUSINESS.CONSULTING) is located in SAINT DOULCHARD (18230), in the department Cher.

Where to find the tax return of LE PALLEC I.A.B.C. (IMMOBILIER.AUTOMOBILE.BUSINESS.CONSULTING) ?

The tax return of LE PALLEC I.A.B.C. (IMMOBILIER.AUTOMOBILE.BUSINESS.CONSULTING) 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 LE PALLEC I.A.B.C. (IMMOBILIER.AUTOMOBILE.BUSINESS.CONSULTING) operate?

LE PALLEC I.A.B.C. (IMMOBILIER.AUTOMOBILE.BUSINESS.CONSULTING) operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.