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SAS CHEVARIN AGENCEMENTS CREATIONS : revenue, balance sheet and financial ratios

SAS CHEVARIN AGENCEMENTS CREATIONS is a French company founded 27 years ago, specialized in the sector Travaux de menuiserie bois et PVC. Based in AMBERT (63600), this company of category PME shows in 2016 a revenue of 437 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 - SAS CHEVARIN AGENCEMENTS CREATIONS (SIREN 420624587)
Indicator 2016
Revenue 436 726 €
Net income 5 989 €
EBITDA 16 414 €
Net margin 1.4%

Revenue and income statement

In 2016, SAS CHEVARIN AGENCEMENTS CREATIONS achieves revenue of 437 k€. After deducting consumption (175 k€), gross margin stands at 262 k€, i.e. a rate of 60%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 16 k€, representing 3.8% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 6 k€, i.e. 1.4% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2016) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

436 726 €

Gross margin (2016) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

262 076 €

EBITDA (2016) ?
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

16 414 €

EBIT (2016) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

3 361 €

Net income (2016) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

5 989 €

EBITDA margin (2016) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

3.8%

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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 4%. 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 78%. 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 0.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 4.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2016) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

3.595%

Financial autonomy (2016) ?
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

77.758%

Cash flow / Revenue (2016) ?
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

4.3%

Repayment capacity (2016) ?
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

0.478

Asset age ratio (2016) ?
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

31.6%

Solvency indicators evolution
SAS CHEVARIN AGENCEMENTS CREATIONS

Sector positioning

Debt ratio
3.6 2016
2016
Q1: 1.43
Med: 18.71
Q3: 64.41
Good

In 2016, the debt ratio of SAS CHEVARIN AGENCEMENTS ... (3.60) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
77.76% 2016
2016
Q1: 11.51%
Med: 31.48%
Q3: 51.05%
Excellent

In 2016, the financial autonomy of SAS CHEVARIN AGENCEMENTS ... (77.8%) 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.

Repayment capacity
0.48 years 2016
2016
Q1: 0.0 years
Med: 0.24 years
Q3: 1.41 years
Average

In 2016, the repayment capacity of SAS CHEVARIN AGENCEMENTS ... (0.48) 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 395.89. 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 1.7x. Coverage is limited: any activity downturn would jeopardize interest payments.

Liquidity ratio (2016) ?
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

395.891

Interest coverage (2016) ?
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

1.657

Liquidity indicators evolution
SAS CHEVARIN AGENCEMENTS CREATIONS

Sector positioning

Liquidity ratio
395.89 2016
2016
Q1: 127.49
Med: 180.59
Q3: 268.79
Excellent

In 2016, the liquidity ratio of SAS CHEVARIN AGENCEMENTS ... (395.89) 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.

Interest coverage
1.66x 2016
2016
Q1: 0.0x
Med: 0.69x
Q3: 4.2x
Good

In 2016, the interest coverage of SAS CHEVARIN AGENCEMENTS ... (1.7x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.

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: 43 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 37 days. The company must finance 6 days of gap between collections and payments. Inventory turnover is 41 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 93 days of revenue, i.e. 113 k€ to permanently finance.

Operating WCR (2016) ?
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

112 990 €

Customer credit (2016) ?
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

43 j

Supplier credit (2016) ?
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

37 j

Inventory turnover (2016) ?
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

41 j

WCR in days of revenue (2016) ?
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

93 j

WCR and payment terms evolution
SAS CHEVARIN AGENCEMENTS CREATIONS

Positioning of SAS CHEVARIN AGENCEMENTS CREATIONS in its sector

Comparison with sector Travaux de menuiserie bois et PVC

Valuation estimate

Based on 264 transactions of similar company sales (all years), the value of SAS CHEVARIN AGENCEMENTS CREATIONS is estimated at 43 843 € (range 20 090€ - 77 460€). With an EBITDA of 16 414€, the sector multiple of 2.1x is applied. The price/revenue ratio is 0.18x (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.

Estimated enterprise value 2016
264 transactions
20k€ 43k€ 77k€
43 843 € Range: 20 090€ - 77 460€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
16 414 € × 2.1x
Estimation 34 243 €
10 716€ - 64 207€
Revenue Multiple 30%
436 726 € × 0.18x
Estimation 76 831 €
45 190€ - 124 861€
Net Income Multiple 20%
5 989 € × 3.1x
Estimation 18 362 €
5 880€ - 39 492€
How is this estimate calculated?

This estimate is based on the analysis of 264 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 (Travaux de menuiserie bois et PVC)

Compare SAS CHEVARIN AGENCEMENTS CREATIONS with other companies in the same sector:

Voir toutes les statistiques du secteur Travaux de menuiserie bois et PVC

Frequently asked questions about SAS CHEVARIN AGENCEMENTS CREATIONS

What is the revenue of SAS CHEVARIN AGENCEMENTS CREATIONS ?

The revenue of SAS CHEVARIN AGENCEMENTS CREATIONS in 2016 is 437 k€.

Is SAS CHEVARIN AGENCEMENTS CREATIONS profitable?

Yes, SAS CHEVARIN AGENCEMENTS CREATIONS generated a net profit of 6 k€ in 2016.

Where is the headquarters of SAS CHEVARIN AGENCEMENTS CREATIONS ?

The headquarters of SAS CHEVARIN AGENCEMENTS CREATIONS is located in AMBERT (63600), in the department Puy-de-Dome.

Where to find the tax return of SAS CHEVARIN AGENCEMENTS CREATIONS ?

The tax return of SAS CHEVARIN AGENCEMENTS CREATIONS 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 SAS CHEVARIN AGENCEMENTS CREATIONS operate?

SAS CHEVARIN AGENCEMENTS CREATIONS operates in the sector Travaux de menuiserie bois et PVC (NAF code 43.32A). See the 'Sector positioning' section above to compare the company with its competitors.