Employees: 02 (2023.0)Legal category: Société à responsabilité limitée (sans autre indication)Size: PMECreation date: 2007-04-06 (19 years)Status: ActiveBusiness sector: Agences immobilièresLocation: ALBERTVILLE (73200), Savoie
SB IMMOBILIER : revenue, balance sheet and financial ratios
SB IMMOBILIER is a French company
founded 19 years ago,
specialized in the sector Agences immobilières.
Based in ALBERTVILLE (73200),
this company of category PME
shows in 2019 a revenue of 306 k€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - SB IMMOBILIER (SIREN 495333734)
Indicator
2019
2017
2016
Revenue
305 537 €
266 589 €
237 471 €
Net income
50 996 €
27 590 €
-4 740 €
EBITDA
65 972 €
44 076 €
11 175 €
Net margin
16.7%
10.3%
-2.0%
Revenue and income statement
In 2019, SB IMMOBILIER achieves revenue of 306 k€. Over the period 2016-2019, the company shows strong growth with a CAGR (compound annual growth rate) of +8.8%. Vs 2017, growth of +15% (267 k€ -> 306 k€). After deducting consumption (0 €), gross margin stands at 306 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 66 k€, representing 21.6% of revenue. Positive scissor effect: EBITDA margin improves by +5.1 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 51 k€, i.e. 16.7% of revenue. This profit can be retained or distributed to shareholders.
Revenue (2019)
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Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production
305 537 €
Gross margin (2019)
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Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed
305 537 €
EBITDA (2019)
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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
65 972 €
EBIT (2019)
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EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals
51 847 €
Net income (2019)
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Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
50 996 €
EBITDA margin (2019)
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EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability 5-10% : Average < 5% : Low
21.6%
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Year
%
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Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 126%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 17%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 17.3% 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 (2019)
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Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
125.844%
Financial autonomy (2019)
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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
17.089%
Cash flow / Revenue (2019)
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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
17.344%
Repayment capacity (2019)
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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
0.607
Asset age ratio (2019)
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Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2019
Debt ratio
9.222
3.628
125.844
Financial autonomy
33.638
44.053
17.089
Repayment capacity
5.675
0.067
0.607
Cash flow / Revenue
0.194%
11.248%
17.344%
Sector positioning
Debt ratio
125.842019
2016
2017
2019
Q1: 0.0
Med: 9.82
Q3: 63.59
Average+25 pts over 3 years
In 2019, the debt ratio of SB IMMOBILIER (125.84) 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
17.09%2019
2016
2017
2019
Q1: 6.81%
Med: 32.03%
Q3: 62.23%
Average-19 pts over 3 years
In 2019, the financial autonomy of SB IMMOBILIER (17.1%) 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
0.61 years2019
2016
2017
2019
Q1: 0.0 years
Med: 0.01 years
Q3: 1.3 years
Average-13 pts over 3 years
In 2019, the repayment capacity of SB IMMOBILIER (0.61) 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 156.93. 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 1.1x. Coverage is limited: any activity downturn would jeopardize interest payments.
Liquidity ratio (2019)
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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
156.932
Interest coverage (2019)
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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
1.122
Liquidity indicators evolution SB IMMOBILIER
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2017
2019
Liquidity ratio
135.304
171.028
156.932
Interest coverage
0.0
0.02
1.122
Sector positioning
Liquidity ratio
156.932019
2016
2017
2019
Q1: 107.65
Med: 177.53
Q3: 386.94
Average
In 2019, the liquidity ratio of SB IMMOBILIER (156.93) 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
1.12x2019
2016
2017
2019
Q1: 0.0x
Med: 0.0x
Q3: 1.32x
Good+46 pts over 3 years
In 2019, the interest coverage of SB IMMOBILIER (1.1x) 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: 33 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 42 days. Favorable situation: supplier credit is longer than customer credit by 9 days. WCR is negative (-49 days): operations structurally generate cash. Notable WCR improvement over the period (-183%), freeing up cash.
Operating WCR (2019)
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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
-41 819 €
Customer credit (2019)
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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
33 j
Supplier credit (2019)
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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
42 j
Inventory turnover (2019)
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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 (2019)
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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
-49 j
WCR and payment terms evolution SB IMMOBILIER
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2019
Operating WCR
-14 778 €
-17 006 €
-41 819 €
Inventory turnover (days)
0
0
0
Customer payment term (days)
18
32
33
Supplier payment term (days)
44
56
42
Positioning of SB IMMOBILIER in its sector
Comparison with sector Agences immobilières
Valuation estimate
Based on 113 transactions of similar company sales
in 2019,
the value of SB IMMOBILIER is estimated at
152 348 €
(range 72 509€ - 389 176€).
With an EBITDA of 65 972€, the sector multiple of 3.0x 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.
Estimated enterprise value2019
113 transactions
72k€152k€389k€
152 348 €Range: 72 509€ - 389 176€
NAF 5 année 2019
Valuation detail by method
Ajustez les pondérations selon votre analyse
EBITDA Multiple50%
65 972 €×3.0x
Estimation195 750 €
86 160€ - 517 801€
Revenue Multiple30%
305 537 €×0.30x
Estimation92 173 €
56 306€ - 192 157€
Net Income Multiple20%
50 996 €×2.6x
Estimation134 110 €
62 688€ - 363 144€
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
How is this estimate calculated?
This estimate is based on the analysis of 113 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 SB IMMOBILIER with other companies in the same sector:
Yes, SB IMMOBILIER generated a net profit of 51 k€ in 2019.
Where is the headquarters of SB IMMOBILIER ?
The headquarters of SB IMMOBILIER is located in ALBERTVILLE (73200), in the department Savoie.
Where to find the tax return of SB IMMOBILIER ?
The tax return of SB 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 SB IMMOBILIER operate?
SB IMMOBILIER operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.
Item evolution
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