POLE AUTOMOBILE DU LOIR : revenue, balance sheet and financial ratios

POLE AUTOMOBILE DU LOIR is a French company founded 11 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in CORZE (49140), this company of category PME shows in 2025 a revenue of 438 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 - POLE AUTOMOBILE DU LOIR (SIREN 810260844)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017
Revenue 437 793 € 437 625 € 437 551 € 268 284 € 295 271 € 334 800 € 305 660 € 274 500 € 12 000 €
Net income 144 924 € 93 405 € 87 704 € 90 349 € 80 790 € 22 127 € 66 612 € 12 120 € -15 766 €
EBITDA 98 684 € 91 609 € 110 960 € 19 715 € 36 742 € 27 693 € 5 162 € -700 € -15 740 €
Net margin 33.1% 21.3% 20.0% 33.7% 27.4% 6.6% 21.8% 4.4% -131.4%

Revenue and income statement

In 2025, POLE AUTOMOBILE DU LOIR achieves revenue of 438 k€. Over the period 2017-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +56.8%. Vs 2024: +0%. After deducting consumption (0 €), gross margin stands at 438 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 99 k€, representing 22.5% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 145 k€, i.e. 33.1% 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

437 793 €

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

437 793 €

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

98 684 €

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

96 882 €

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

144 924 €

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

22.5%

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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 103%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 46%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 5.6 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 35.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

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

103.35%

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

46.314%

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

35.39%

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

5.579

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

72.3%

Solvency indicators evolution
POLE AUTOMOBILE DU LOIR

Sector positioning

Debt ratio
103.35 2025
2023
2024
2025
Q1: 0.0
Med: 8.6
Q3: 104.1
Average

In 2025, the debt ratio of POLE AUTOMOBILE DU LOIR (103.35) 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
46.31% 2025
2023
2024
2025
Q1: 4.51%
Med: 47.13%
Q3: 86.22%
Average

In 2025, the financial autonomy of POLE AUTOMOBILE DU LOIR (46.3%) 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
5.58 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 1.02 years
Q3: 9.04 years
Average -9 pts over 3 years

In 2025, the repayment capacity of POLE AUTOMOBILE DU LOIR (5.58) 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 338.88. 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 34.1x. Operating income very largely covers interest expenses: high safety margin.

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

338.878

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

34.131

Liquidity indicators evolution
POLE AUTOMOBILE DU LOIR

Sector positioning

Liquidity ratio
338.88 2025
2023
2024
2025
Q1: 94.87
Med: 386.44
Q3: 1925.44
Average

In 2025, the liquidity ratio of POLE AUTOMOBILE DU LOIR (338.88) 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
34.13x 2025
2023
2024
2025
Q1: -0.09x
Med: 0.0x
Q3: 12.18x
Excellent

In 2025, the interest coverage of POLE AUTOMOBILE DU LOIR (34.1x) 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: 12 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 58 days. Excellent situation: suppliers finance 46 days of the operating cycle (retail model). WCR is negative (-64 days): operations structurally generate cash. Notable WCR improvement over the period (-150%), freeing up cash.

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

-77 358 €

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

12 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

58 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

0 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

-64 j

WCR and payment terms evolution
POLE AUTOMOBILE DU LOIR

Positioning of POLE AUTOMOBILE DU LOIR in its sector

Comparison with sector Location de terrains et d'autres biens immobiliers

Valuation estimate

Based on 117 transactions of similar company sales in 2025, the value of POLE AUTOMOBILE DU LOIR is estimated at 387 178 € (range 179 633€ - 983 355€). With an EBITDA of 98 684€, the sector multiple of 2.7x is applied. The price/revenue ratio is 0.92x (in line with sector norms). 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 2025
117 transactions
179k€ 387k€ 983k€
387 178 € Range: 179 633€ - 983 355€
NAF 5 année 2025

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
98 684 € × 2.7x
Estimation 264 490 €
172 946€ - 772 965€
Revenue Multiple 30%
437 793 € × 0.92x
Estimation 402 028 €
188 796€ - 948 096€
Net Income Multiple 20%
144 924 € × 4.6x
Estimation 671 623 €
182 608€ - 1 562 218€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 117 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 (Location de terrains et d'autres biens immobiliers)

Compare POLE AUTOMOBILE DU LOIR with other companies in the same sector:

Voir toutes les statistiques du secteur Location de terrains et d'autres biens immobiliers

Frequently asked questions about POLE AUTOMOBILE DU LOIR

What is the revenue of POLE AUTOMOBILE DU LOIR ?

The revenue of POLE AUTOMOBILE DU LOIR in 2025 is 438 k€.

Is POLE AUTOMOBILE DU LOIR profitable?

Yes, POLE AUTOMOBILE DU LOIR generated a net profit of 145 k€ in 2025.

Where is the headquarters of POLE AUTOMOBILE DU LOIR ?

The headquarters of POLE AUTOMOBILE DU LOIR is located in CORZE (49140), in the department Maine-et-Loire.

Where to find the tax return of POLE AUTOMOBILE DU LOIR ?

The tax return of POLE AUTOMOBILE DU LOIR 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 POLE AUTOMOBILE DU LOIR operate?

POLE AUTOMOBILE DU LOIR operates in the sector Location de terrains et d'autres biens immobiliers (NAF code 68.20B). See the 'Sector positioning' section above to compare the company with its competitors.