Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.

LOMBARD - AGIM : revenue, balance sheet and financial ratios

LOMBARD - AGIM is a French company founded 16 years ago, specialized in the sector Agences immobilières. Based in AURILLAC (15000), this company of category PME shows in 2023 a net income positive of 29 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

Financial history - LOMBARD - AGIM (SIREN 521725499)
Indicator 2023 2020
Revenue N/C N/C
Net income 28 983 € 45 266 €
EBITDA N/C N/C
Net margin N/C N/C

Revenue and income statement

In 2023, LOMBARD - AGIM generates positive net income of 29 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2020-2023: 45 k€ -> 29 k€.

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

28 983 €

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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 80%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 11%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

80.36%

Financial autonomy (2023) ?
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

10.797%

Asset age ratio (2023) ?
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

26.2%

Solvency indicators evolution
LOMBARD - AGIM

Sector positioning

Debt ratio
80.36 2023
2020
2023
Q1: 0.0
Med: 11.27
Q3: 68.68
Average

In 2023, the debt ratio of LOMBARD - AGIM (80.36) 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
10.8% 2023
2020
2023
Q1: 3.91%
Med: 28.47%
Q3: 61.05%
Average +6 pts over 2 years

In 2023, the financial autonomy of LOMBARD - AGIM (10.8%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 97.00. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

97.002

Liquidity indicators evolution
LOMBARD - AGIM

Sector positioning

Liquidity ratio
97.0 2023
2020
2023
Q1: 106.73
Med: 191.71
Q3: 498.93
Watch

In 2023, the liquidity ratio of LOMBARD - AGIM (97.00) 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.

Positioning of LOMBARD - AGIM in its sector

Comparison with sector Agences immobilières

Valuation estimate

Based on 63 transactions of similar company sales in 2023, the value of LOMBARD - AGIM is estimated at 64 616 € (range 21 645€ - 164 475€). 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.

Estimated enterprise value 2023
63 tx
21k€ 64k€ 164k€
64 616 € Range: 21 645€ - 164 475€
NAF 5 année 2023

Valuation method used

Net Income Multiple
28 983 € × 2.2x = 64 617 €
Range: 21 645€ - 164 476€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 63 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 (Agences immobilières)

Compare LOMBARD - AGIM with other companies in the same sector:

Frequently asked questions about LOMBARD - AGIM

What is the revenue of LOMBARD - AGIM ?

The revenue of LOMBARD - AGIM is not publicly disclosed (confidential accounts filed with INPI).

Is LOMBARD - AGIM profitable?

Yes, LOMBARD - AGIM generated a net profit of 29 k€ in 2023.

Where is the headquarters of LOMBARD - AGIM ?

The headquarters of LOMBARD - AGIM is located in AURILLAC (15000), in the department Cantal.

Where to find the tax return of LOMBARD - AGIM ?

The tax return of LOMBARD - AGIM 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 LOMBARD - AGIM operate?

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