SAINT CHARLES IMMOBILIER : revenue, balance sheet and financial ratios

SAINT CHARLES IMMOBILIER is a French company founded 25 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in AVIGNON (84000), this company of category PME shows in 2021 a revenue of 198 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 - SAINT CHARLES IMMOBILIER (SIREN 433467974)
Indicator 2021 2020 2019 2018 2017 2016
Revenue 198 314 € 110 153 € 184 803 € 161 351 € 161 077 € 199 892 €
Net income 53 761 € 71 297 € -18 618 € 873 924 € -25 563 € 6 172 €
EBITDA -31 589 € -39 019 € -48 453 € -82 966 € 71 592 € 108 746 €
Net margin 27.1% 64.7% -10.1% 541.6% -15.9% 3.1%

Revenue and income statement

In 2021, SAINT CHARLES IMMOBILIER achieves revenue of 198 k€. Activity remains stable over the period (CAGR: -0.2%). Vs 2020, growth of +80% (110 k€ -> 198 k€). After deducting consumption (0 €), gross margin stands at 198 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 -32 k€, representing -15.9% of revenue. Positive scissor effect: EBITDA margin improves by +19.5 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 54 k€, i.e. 27.1% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2021) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

198 314 €

Gross margin (2021) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

198 314 €

EBITDA (2021) ?
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

-31 589 €

EBIT (2021) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

67 485 €

Net income (2021) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

53 761 €

EBITDA margin (2021) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-15.9%

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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 26%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. 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 ratio (2021) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

25.667%

Financial autonomy (2021) ?
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

45.737%

Cash flow / Revenue (2021) ?
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

-22.83%

Repayment capacity (2021) ?
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

-1.061

Asset age ratio (2021) ?
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

89.0%

Solvency indicators evolution
SAINT CHARLES IMMOBILIER

Sector positioning

Debt ratio
25.67 2021
2019
2020
2021
Q1: -2.0
Med: 12.57
Q3: 178.71
Average +27 pts over 3 years

In 2021, the debt ratio of SAINT CHARLES IMMOBILIER (25.67) 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
45.74% 2021
2019
2020
2021
Q1: 2.35%
Med: 38.31%
Q3: 81.37%
Good +15 pts over 3 years

In 2021, the financial autonomy of SAINT CHARLES IMMOBILIER (45.7%) 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.

Repayment capacity
-1.06 years 2021
2019
2020
2021
Q1: -0.0 years
Med: 0.54 years
Q3: 9.67 years
Excellent

In 2021, the repayment capacity of SAINT CHARLES IMMOBILIER (-1.06) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 174.96. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2021) ?
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

174.955

Interest coverage (2021) ?
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

-0.966

Liquidity indicators evolution
SAINT CHARLES IMMOBILIER

Sector positioning

Liquidity ratio
174.96 2021
2019
2020
2021
Q1: 84.53
Med: 265.45
Q3: 1031.63
Average +6 pts over 3 years

In 2021, the liquidity ratio of SAINT CHARLES IMMOBILIER (174.96) 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
-0.97x 2021
2019
2020
2021
Q1: 0.0x
Med: 0.0x
Q3: 12.94x
Average

In 2021, the interest coverage of SAINT CHARLES IMMOBILIER (-1.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 113 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 130 days. Favorable situation: supplier credit is longer than customer credit by 17 days. Overall, WCR represents 344 days of revenue, i.e. 189 k€ to permanently finance. Over 2016-2021, WCR increased by +192%, requiring additional financing.

Operating WCR (2021) ?
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

189 396 €

Customer credit (2021) ?
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

113 j

Supplier credit (2021) ?
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

130 j

Inventory turnover (2021) ?
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 (2021) ?
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

344 j

WCR and payment terms evolution
SAINT CHARLES IMMOBILIER

Positioning of SAINT CHARLES IMMOBILIER in its sector

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

Valuation estimate

Based on 178 transactions of similar company sales in 2021, the value of SAINT CHARLES IMMOBILIER is estimated at 223 484 € (range 87 359€ - 526 054€). The price/revenue ratio is 0.70x (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 2021
178 transactions
87k€ 223k€ 526k€
223 484 € Range: 87 359€ - 526 054€
NAF 5 année 2021

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
198 314 € × 0.70x
Estimation 138 685 €
48 521€ - 365 150€
Net Income Multiple 20%
53 761 € × 6.5x
Estimation 350 684 €
145 616€ - 767 411€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 178 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 SAINT CHARLES IMMOBILIER 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 SAINT CHARLES IMMOBILIER

What is the revenue of SAINT CHARLES IMMOBILIER ?

The revenue of SAINT CHARLES IMMOBILIER in 2021 is 198 k€.

Is SAINT CHARLES IMMOBILIER profitable?

Yes, SAINT CHARLES IMMOBILIER generated a net profit of 54 k€ in 2021.

Where is the headquarters of SAINT CHARLES IMMOBILIER ?

The headquarters of SAINT CHARLES IMMOBILIER is located in AVIGNON (84000), in the department Vaucluse.

Where to find the tax return of SAINT CHARLES IMMOBILIER ?

The tax return of SAINT CHARLES IMMOBILIER 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 SAINT CHARLES IMMOBILIER operate?

SAINT CHARLES IMMOBILIER 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.