MILORD : revenue, balance sheet and financial ratios

MILORD is a French company founded 29 years ago, specialized in the sector Intermédiaires spécialisés dans le commerce d'autres produits spécifiques. Based in VERBERIE (60410), this company of category PME shows in 2024 a revenue of 2.0 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-08-08

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

Synthèse

Santé financière : Saine

Aucun signal de fragilité majeur : rentabilité positive et structure financière équilibrée.

In summary, MILORD combines a growing business with positive profitability. Its financial structure is broadly in line with its sector.

Financial history - MILORD (SIREN 412046534)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 2 014 723 € 2 079 586 € 2 041 876 € 1 666 353 € 1 222 172 € 1 256 081 € 1 259 725 € 1 094 909 € 1 104 603 €
Net income 193 571 € 217 635 € 369 402 € 228 197 € 100 847 € 95 375 € 92 819 € 112 190 € 152 238 €
EBITDA 414 491 € 417 189 € 569 145 € 438 312 € 213 099 € 167 888 € 177 213 € 166 847 € 222 017 €
Net margin 9.6% 10.5% 18.1% 13.7% 8.3% 7.6% 7.4% 10.2% 13.8%

Revenue and income statement

In 2024, MILORD achieves revenue of 2.0 M€. Over the period 2020-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +13.3%. Slight decline of -3% vs 2023. After deducting consumption (760 k€), gross margin stands at 1.3 M€, i.e. a rate of 62%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 414 k€, representing 20.6% of revenue. Compared with its sector, this ratio places the company among the best positioned (sector median: 5.9%). Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 194 k€, i.e. 9.6% 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

2 014 723 €

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

1 254 396 €

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

414 491 €

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

284 767 €

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

193 571 €

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

20.6%

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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 17%. This ratio is slightly less favorable than the sector median (4.0%). Financial autonomy (= Equity / Total assets x 100) reaches 77%. Compared with its sector, this ratio places the company among the best positioned (sector median: 42.5%). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.7 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 13.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Compared with its sector, this ratio places the company among the best positioned (sector median: 5.9%).

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

17.27%

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

76.65%

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

13.66%

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

0.68

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

41.6%

Solvency indicators evolution
MILORD

Sector positioning

Debt ratio
17.27% 2024
Q1: 0.0%
Med: 3.95%
Q3: 34.91%
Average +14 pts over 3 years

In 2024, the debt ratio of MILORD (17.3%) 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
76.65% 2024
Q1: 17.75%
Med: 42.55%
Q3: 67.65%
Excellent

In 2024, the financial autonomy of MILORD (76.7%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 8.50. Compared with its sector, this ratio places the company among the best positioned (sector median: 2.5). The interest coverage ratio (= EBIT / Interest expenses) is 1.6x. Coverage is limited: any activity downturn would jeopardize interest payments.

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

8.5

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

1.55

Liquidity indicators evolution
MILORD

Sector positioning

Liquidity ratio
8.5 2024
Q1: 1.46
Med: 2.46
Q3: 4.51
Excellent

In 2024, the liquidity ratio of MILORD (8.50) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

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: 22 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 23 days. Favorable situation: supplier credit is longer than customer credit by 1 days. Inventory turnover is 125 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 150 days of revenue, i.e. 842 k€ to permanently finance. Between 2021 and 2024, WCR worsened by 28 days of revenue, signaling an increased financing need.

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

842 154 €

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

22 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

23 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

125 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

150 j

WCR and payment terms evolution
MILORD

Positioning of MILORD in its sector

Comparison with sector Intermédiaires spécialisés dans le commerce d'autres produits spécifiques

Valuation estimate

Based on 50 transactions of similar company sales (all years), the value of MILORD is estimated at 631 533 € (range 335 603€ - 1 860 526€). With an EBITDA of 414 491€, the sector multiple of 1.8x is applied. The price/revenue ratio is 0.32x (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.

Estimated enterprise value 2024
50 tx
335k€ 631k€ 1860k€
631 533 € Range: 335 603€ - 1 860 526€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
414 491 € × 1.8x
Estimation 753 532 €
392 611€ - 2 559 969€
Revenue Multiple 30%
2 014 723 € × 0.32x
Estimation 642 188 €
319 966€ - 1 224 512€
Net Income Multiple 20%
193 571 € × 1.6x
Estimation 310 553 €
216 538€ - 1 065 942€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 50 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 (Intermédiaires spécialisés dans le commerce d'autres produits spécifiques)

Compare MILORD with other companies in the same sector:

Voir toutes les statistiques du secteur Intermédiaires spécialisés dans le commerce d'autres produits spécifiques

Top companies in Intermédiaires spécialisés dans le commerce d'autres produits spécifiques

Largest companies by revenue in the sector Intermédiaires spécialisés dans le commerce d'autres produits spécifiques:

Top companies in Oise

Largest companies by revenue in the department Oise:

Voir le classement complet du département Oise

Frequently asked questions about MILORD

What is the revenue of MILORD ?

The revenue of MILORD in 2024 is 2.0 M€.

Is MILORD profitable?

Yes, MILORD generated a net profit of 194 k€ in 2024.

Where is the headquarters of MILORD ?

The headquarters of MILORD is located in VERBERIE (60410), in the department Oise.

Where to find the tax return of MILORD ?

The tax return of MILORD 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 MILORD operate?

MILORD operates in the sector Intermédiaires spécialisés dans le commerce d'autres produits spécifiques (NAF code 46.18Z). See the 'Sector positioning' section above to compare the company with its competitors.