LES GRANDS GARAGES DU LOIR-ET-CHER : revenue, balance sheet and financial ratios

LES GRANDS GARAGES DU LOIR-ET-CHER is a French company founded 32 years ago, specialized in the sector Commerce de voitures et de véhicules automobiles légers. Based in LA CHAUSSEE-SAINT-VICTOR (41260), this company of category ETI shows in 2024 a revenue of 45.1 M€. 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 - LES GRANDS GARAGES DU LOIR-ET-CHER (SIREN 391389871)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 45 146 334 € 50 001 178 € 46 919 379 € 54 378 312 € 54 482 959 € 61 357 241 € 59 180 725 € 57 683 283 € 48 932 970 €
Net income 109 686 € 375 451 € -315 674 € -679 044 € 2 248 € -927 044 € -242 074 € 3 102 € 172 454 €
EBITDA 485 699 € 107 565 € -221 685 € -590 404 € 609 729 € -610 348 € -330 295 € -122 144 € 229 766 €
Net margin 0.2% 0.8% -0.7% -1.2% 0.0% -1.5% -0.4% 0.0% 0.4%

Revenue and income statement

In 2024, LES GRANDS GARAGES DU LOIR-ET-CHER achieves revenue of 45.1 M€. Activity remains stable over the period (CAGR: -1.0%). Slight decline of -10% vs 2023. After deducting consumption (36.9 M€), gross margin stands at 8.3 M€, i.e. a rate of 18%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 486 k€, representing 1.1% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 110 k€, i.e. 0.2% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

45 146 334 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

8 260 265 €

EBITDA (2024) ?
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

485 699 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

445 331 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

109 686 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

1.1%

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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 192%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 12%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 23.8 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 0.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

191.544%

Financial autonomy (2024) ?
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

12.474%

Cash flow / Revenue (2024) ?
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

0.331%

Repayment capacity (2024) ?
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

23.776

Asset age ratio (2024) ?
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

16.5%

Solvency indicators evolution
LES GRANDS GARAGES DU LOIR-ET-CHER

Sector positioning

Debt ratio
191.54 2024
2022
2023
2024
Q1: 4.08
Med: 38.33
Q3: 127.96
Average

In 2024, the debt ratio of LES GRANDS GARAGES DU LOI... (191.54) 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
12.47% 2024
2022
2023
2024
Q1: 10.78%
Med: 27.25%
Q3: 53.06%
Average

In 2024, the financial autonomy of LES GRANDS GARAGES DU LOI... (12.5%) 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
23.78 years 2024
2022
2023
2024
Q1: -0.37 years
Med: 0.21 years
Q3: 3.53 years
Watch +50 pts over 3 years

In 2024, the repayment capacity of LES GRANDS GARAGES DU LOI... (23.78) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 148.35. 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 62.4x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2024) ?
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

148.351

Interest coverage (2024) ?
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

62.376

Liquidity indicators evolution
LES GRANDS GARAGES DU LOIR-ET-CHER

Sector positioning

Liquidity ratio
148.35 2024
2022
2023
2024
Q1: 132.93
Med: 200.61
Q3: 386.05
Average +8 pts over 3 years

In 2024, the liquidity ratio of LES GRANDS GARAGES DU LOI... (148.35) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
62.38x 2024
2022
2023
2024
Q1: 0.0x
Med: 2.15x
Q3: 25.1x
Excellent +50 pts over 3 years

In 2024, the interest coverage of LES GRANDS GARAGES DU LOI... (62.4x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.

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: 20 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 69 days. Excellent situation: suppliers finance 49 days of the operating cycle (retail model). Inventory turnover is 71 days (= Average inventory / Cost of goods x 360). Overall, WCR represents 90 days of revenue, i.e. 11.3 M€ to permanently finance.

Operating WCR (2024) ?
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

11 270 782 €

Customer credit (2024) ?
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

20 j

Supplier credit (2024) ?
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

69 j

Inventory turnover (2024) ?
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

71 j

WCR in days of revenue (2024) ?
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

90 j

WCR and payment terms evolution
LES GRANDS GARAGES DU LOIR-ET-CHER

Positioning of LES GRANDS GARAGES DU LOIR-ET-CHER in its sector

Comparison with sector Commerce de voitures et de véhicules automobiles légers

Valuation estimate

Based on 148 transactions of similar company sales in 2024, the value of LES GRANDS GARAGES DU LOIR-ET-CHER is estimated at 2 621 478 € (range 1 168 862€ - 4 598 406€). With an EBITDA of 485 699€, the sector multiple of 1.6x is applied. The price/revenue ratio is 0.16x (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 2024
148 transactions
1168k€ 2621k€ 4598k€
2 621 478 € Range: 1 168 862€ - 4 598 406€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
485 699 € × 1.6x
Estimation 783 542 €
291 570€ - 1 166 607€
Revenue Multiple 30%
45 146 334 € × 0.16x
Estimation 7 241 592 €
3 307 342€ - 12 777 832€
Net Income Multiple 20%
109 686 € × 2.6x
Estimation 286 150 €
154 374€ - 908 768€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 148 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 LES GRANDS GARAGES DU LOIR-ET-CHER 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 LES GRANDS GARAGES DU LOIR-ET-CHER

What is the revenue of LES GRANDS GARAGES DU LOIR-ET-CHER ?

The revenue of LES GRANDS GARAGES DU LOIR-ET-CHER in 2024 is 45.1 M€.

Is LES GRANDS GARAGES DU LOIR-ET-CHER profitable?

Yes, LES GRANDS GARAGES DU LOIR-ET-CHER generated a net profit of 110 k€ in 2024.

Where is the headquarters of LES GRANDS GARAGES DU LOIR-ET-CHER ?

The headquarters of LES GRANDS GARAGES DU LOIR-ET-CHER is located in LA CHAUSSEE-SAINT-VICTOR (41260), in the department Loir-et-Cher.

Where to find the tax return of LES GRANDS GARAGES DU LOIR-ET-CHER ?

The tax return of LES GRANDS GARAGES DU LOIR-ET-CHER 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 LES GRANDS GARAGES DU LOIR-ET-CHER operate?

LES GRANDS GARAGES DU LOIR-ET-CHER 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.