SIREN : 502061120
REFERENCE BUILDING is a French company founded 18 years ago, specialized in the sector Agences immobilières. Based in SAINT-ETIENNE (42000), this company of category PME shows in 2024 a revenue of 1.5 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1 487 732 € | 2 116 651 € | 970 002 € | N/C | N/C | 395 588 € | N/C | 284 995 € | 285 383 € |
| Net income | 128 887 € | 130 005 € | 121 218 € | 151 410 € | 18 751 € | 50 960 € | 59 135 € | 823 € | 32 491 € |
| EBITDA | 236 301 € | 213 584 € | 216 423 € | N/C | N/C | 21 042 € | N/C | 7 381 € | 45 199 € |
| Net margin | 8.7% | 6.1% | 12.5% | N/C | N/C | 12.9% | N/C | 0.3% | 11.4% |
In 2024, REFERENCE BUILDING achieves revenue of 1.5 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +22.9%. Significant drop of -30% vs 2023. After deducting consumption (772 k€), gross margin stands at 716 k€, i.e. a rate of 48%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 236 k€, representing 15.9% of revenue. Positive scissor effect: EBITDA margin improves by +5.8 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 129 k€, i.e. 8.7% of revenue. This profit can be retained or distributed to shareholders.
1 487 732 €
715 800 €
236 301 €
182 162 €
128 887 €
15.9%
The debt ratio (= Financial debt / Equity x 100) stands at 87%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 51%. 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 3.2 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 12.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
87.169%
51.203%
12.638%
3.25
75.4%
In 2024, the debt ratio of REFERENCE BUILDING (87.17) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of REFERENCE BUILDING (51.2%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
In 2024, the repayment capacity of REFERENCE BUILDING (3.25) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 1194.72. 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 5.6x. Operating income very largely covers interest expenses: high safety margin.
1194.719
5.62
In 2024, the liquidity ratio of REFERENCE BUILDING (1194.72) 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.
In 2024, the interest coverage of REFERENCE BUILDING (5.6x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 1 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 13 days. Favorable situation: supplier credit is longer than customer credit by 12 days. Inventory turnover is 59 days (= Average inventory / Cost of goods x 360). Overall, WCR represents 75 days of revenue, i.e. 310 k€ to permanently finance. Over 2016-2024, WCR increased by +557%, requiring additional financing.
310 028 €
1 j
13 j
59 j
75 j
Based on 64 transactions of similar company sales
in 2024,
the value of REFERENCE BUILDING is estimated at
643 656 €
(range 272 567€ - 1 002 826€).
With an EBITDA of 236 301€, the sector multiple of 3.1x is applied.
The price/revenue ratio is 0.33x
(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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 64 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare REFERENCE BUILDING with other companies in the same sector:
Voir toutes les statistiques du secteur Agences immobilières
The revenue of REFERENCE BUILDING in 2024 is 1.5 M€.
Yes, REFERENCE BUILDING generated a net profit of 129 k€ in 2024.
The headquarters of REFERENCE BUILDING is located in SAINT-ETIENNE (42000), in the department Loire.
The tax return of REFERENCE BUILDING 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).
REFERENCE BUILDING operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.