OFFICE DE GESTION ET DE TRANSACTIONS : revenue, balance sheet and financial ratios

OFFICE DE GESTION ET DE TRANSACTIONS is a French company founded 46 years ago, specialized in the sector Agences immobilières. Based in MONTBELIARD (25200), this company of category PME shows in 2022 a revenue of 465 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

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

Financial history - OFFICE DE GESTION ET DE TRANSACTIONS (SIREN 320511264)
Indicator 2022 2021 2020 2019 2018
Revenue 465 027 € 501 006 € 445 391 € 455 985 € 478 284 €
Net income -2 468 € 66 693 € 48 097 € 20 920 € 52 172 €
EBITDA 32 551 € 82 435 € 88 641 € 66 587 € 109 598 €
Net margin -0.5% 13.3% 10.8% 4.6% 10.9%

Revenue and income statement

In 2022, OFFICE DE GESTION ET DE TRANSACTIONS achieves revenue of 465 k€. Activity remains stable over the period (CAGR: -0.7%). Slight decline of -7% vs 2021. After deducting consumption (0 €), gross margin stands at 465 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 33 k€, representing 7.0% of revenue. Warning negative scissor effect: despite revenue change (-7%), EBITDA varies by -61%, reducing margin by 9.5 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -2 k€ (-0.5% of revenue), which will impact equity.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

465 027 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

465 027 €

EBITDA (2022) ?
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

32 551 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-2 903 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-2 468 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

7.0%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 97%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 13%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 8.1 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 5.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

Debt ratio (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

97.405%

Financial autonomy (2022) ?
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

12.612%

Cash flow / Revenue (2022) ?
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

5.444%

Repayment capacity (2022) ?
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

8.12

Asset age ratio (2022) ?
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

32.6%

Solvency indicators evolution
OFFICE DE GESTION ET DE TRANSACTIONS

Sector positioning

Debt ratio
97.41 2022
2020
2021
2022
Q1: 0.02
Med: 16.09
Q3: 77.93
Average +8 pts over 3 years

In 2022, the debt ratio of OFFICE DE GESTION ET DE T... (97.41) 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
12.61% 2022
2020
2021
2022
Q1: 7.59%
Med: 32.81%
Q3: 61.8%
Average

In 2022, the financial autonomy of OFFICE DE GESTION ET DE T... (12.6%) 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
8.12 years 2022
2020
2021
2022
Q1: 0.0 years
Med: 0.01 years
Q3: 1.65 years
Average

In 2022, the repayment capacity of OFFICE DE GESTION ET DE T... (8.12) ranks above the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A reduction effort could improve financial strength.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 106.70. 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 7.2x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2022) ?
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

106.705

Interest coverage (2022) ?
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

7.176

Liquidity indicators evolution
OFFICE DE GESTION ET DE TRANSACTIONS

Sector positioning

Liquidity ratio
106.7 2022
2020
2021
2022
Q1: 112.52
Med: 195.07
Q3: 419.05
Average

In 2022, the liquidity ratio of OFFICE DE GESTION ET DE T... (106.70) 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
7.18x 2022
2020
2021
2022
Q1: 0.0x
Med: 0.0x
Q3: 1.34x
Excellent

In 2022, the interest coverage of OFFICE DE GESTION ET DE T... (7.2x) 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: 29 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 67 days. Excellent situation: suppliers finance 38 days of the operating cycle (retail model). WCR is negative (-842 days): operations structurally generate cash.

Operating WCR (2022) ?
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

-1 087 029 €

Customer credit (2022) ?
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 (2022) ?
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

67 j

Inventory turnover (2022) ?
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

0 j

WCR in days of revenue (2022) ?
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

-842 j

WCR and payment terms evolution
OFFICE DE GESTION ET DE TRANSACTIONS

Positioning of OFFICE DE GESTION ET DE TRANSACTIONS in its sector

Comparison with sector Agences immobilières

Valuation estimate

Based on 98 transactions of similar company sales in 2022, the value of OFFICE DE GESTION ET DE TRANSACTIONS is estimated at 69 330 € (range 41 635€ - 149 764€). With an EBITDA of 32 551€, the sector multiple of 0.8x is applied. The price/revenue ratio is 0.30x (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 2022
98 tx
41k€ 69k€ 149k€
69 330 € Range: 41 635€ - 149 764€
NAF 5 année 2022

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
32 551 € × 0.8x
Estimation 27 145 €
19 345€ - 87 292€
Revenue Multiple 30%
465 027 € × 0.30x
Estimation 139 641 €
78 787€ - 253 884€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 98 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 OFFICE DE GESTION ET DE TRANSACTIONS with other companies in the same sector:

Voir toutes les statistiques du secteur Agences immobilières

Frequently asked questions about OFFICE DE GESTION ET DE TRANSACTIONS

What is the revenue of OFFICE DE GESTION ET DE TRANSACTIONS ?

The revenue of OFFICE DE GESTION ET DE TRANSACTIONS in 2022 is 465 k€.

Is OFFICE DE GESTION ET DE TRANSACTIONS profitable?

OFFICE DE GESTION ET DE TRANSACTIONS recorded a net loss in 2022.

Where is the headquarters of OFFICE DE GESTION ET DE TRANSACTIONS ?

The headquarters of OFFICE DE GESTION ET DE TRANSACTIONS is located in MONTBELIARD (25200), in the department Doubs.

Where to find the tax return of OFFICE DE GESTION ET DE TRANSACTIONS ?

The tax return of OFFICE DE GESTION ET DE TRANSACTIONS 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 OFFICE DE GESTION ET DE TRANSACTIONS operate?

OFFICE DE GESTION ET DE TRANSACTIONS operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.