SIREN : 513480889
UMAG is a French company founded 16 years ago, specialized in the sector Autres activités de soutien aux entreprises n.c.a.. Based in BAIE-MAHAULT (97122), this company of category PME shows in 2023 a revenue of 1.6 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2023 | 2022 | 2021 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 1 569 272 € | 1 122 037 € | 1 017 795 € | 1 049 530 € | 1 063 455 € | 1 069 333 € | 1 073 926 € |
| Net income | 149 723 € | 150 415 € | 147 874 € | 145 954 € | 145 957 € | 133 322 € | 137 507 € |
| EBITDA | 1 107 670 € | 1 063 825 € | 970 578 € | 1 005 453 € | 1 015 609 € | 1 027 655 € | 1 030 601 € |
| Net margin | 9.5% | 13.4% | 14.5% | 13.9% | 13.7% | 12.5% | 12.8% |
In 2023, UMAG achieves revenue of 1.6 M€. Over the period 2016-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +5.6%. Vs 2022, growth of +40% (1.1 M€ -> 1.6 M€). After deducting consumption (0 €), gross margin stands at 1.6 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 1.1 M€, representing 70.6% of revenue. Warning negative scissor effect: despite revenue change (+40%), EBITDA varies by +4%, reducing margin by 24.2 pts. This reflects costs rising faster than 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 150 k€, i.e. 9.5% of revenue. This profit can be retained or distributed to shareholders.
1 569 272 €
1 569 272 €
1 107 670 €
192 299 €
149 723 €
70.6%
The debt ratio (= Financial debt / Equity x 100) stands at 129%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 43%. 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 12.6 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 42.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
129.055%
42.957%
42.244%
12.638
53.5%
In 2023, the debt ratio of UMAG (129.06) 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 2023, the financial autonomy of UMAG (43.0%) 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 2023, the repayment capacity of UMAG (12.64) 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 798.51. 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 35.7x. Operating income very largely covers interest expenses: high safety margin.
798.513
35.656
In 2023, the liquidity ratio of UMAG (798.51) 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 2023, the interest coverage of UMAG (35.7x) 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: 46 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 83 days. Excellent situation: suppliers finance 37 days of the operating cycle (retail model). Overall, WCR represents 109 days of revenue, i.e. 474 k€ to permanently finance. Over 2016-2023, WCR increased by +89%, requiring additional financing.
474 454 €
46 j
83 j
0 j
109 j
Based on 131 transactions of similar company sales (all years), the value of UMAG is estimated at 2 953 153 € (range 920 081€ - 5 230 347€). With an EBITDA of 1 107 670€, the sector multiple of 4.8x is applied. The price/revenue ratio is 0.36x (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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 131 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 UMAG with other companies in the same sector:
Voir toutes les statistiques du secteur Autres activités de soutien aux entreprises n.c.a.
The revenue of UMAG in 2023 is 1.6 M€.
Yes, UMAG generated a net profit of 150 k€ in 2023.
The headquarters of UMAG is located in BAIE-MAHAULT (97122), in the department Guadeloupe.
The tax return of UMAG 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).
UMAG operates in the sector Autres activités de soutien aux entreprises n.c.a. (NAF code 82.99Z). See the 'Sector positioning' section above to compare the company with its competitors.