SIREN : 309432938
VISA 74 is a French company founded 49 years ago, specialized in the sector Activité des économistes de la construction. Based in LIMOGES (87000), this company of category ETI shows in 2022 a revenue of 1.5 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2022 | 2021 | 2020 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|
| Revenue | 1 484 305 € | 1 432 552 € | 1 305 425 € | 1 456 905 € | N/C | 1 311 652 € |
| Net income | 26 313 € | 21 482 € | 36 853 € | 61 079 € | 73 531 € | 2 935 € |
| EBITDA | 35 732 € | 43 360 € | 79 792 € | 91 718 € | N/C | 59 030 € |
| Net margin | 1.8% | 1.5% | 2.8% | 4.2% | N/C | 0.2% |
In 2022, VISA 74 achieves revenue of 1.5 M€. Revenue is growing positively over 6 years (CAGR: +2.1%). Vs 2021: +4%. After deducting consumption (388 k€), gross margin stands at 1.1 M€, i.e. a rate of 74%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 36 k€, representing 2.4% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 26 k€, i.e. 1.8% of revenue. This profit can be retained or distributed to shareholders.
1 484 305 €
1 096 663 €
35 732 €
37 368 €
26 313 €
2.4%
The debt ratio (= Financial debt / Equity x 100) stands at 61%. Debt remains under control: the company retains capacity to raise new debt if needed. 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 repayment capacity (= Financial debt / Cash flow) indicates it would take 11.3 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 1.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
61.374%
45.604%
1.677%
11.297
In 2022, the debt ratio of VISA 74 (61.37) 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 2022, the financial autonomy of VISA 74 (45.6%) 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 2022, the repayment capacity of VISA 74 (11.30) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.
The liquidity ratio (= Current assets / Current liabilities) stands at 436.71. 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 5.2x. Operating income very largely covers interest expenses: high safety margin.
436.708
5.191
In 2022, the liquidity ratio of VISA 74 (436.71) 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 2022, the interest coverage of VISA 74 (5.2x) 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: 53 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 35 days. The company must finance 18 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 54 days of revenue, i.e. 221 k€ to permanently finance. Notable WCR improvement over the period (-42%), freeing up cash.
220 865 €
53 j
35 j
41 j
54 j
Based on 98 transactions of similar company sales
(all years),
the value of VISA 74 is estimated at
249 290 €
(range 73 713€ - 418 300€).
With an EBITDA of 35 732€, the sector multiple of 3.5x 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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 98 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 VISA 74 with other companies in the same sector:
Voir toutes les statistiques du secteur Activité des économistes de la construction
The revenue of VISA 74 in 2022 is 1.5 M€.
Yes, VISA 74 generated a net profit of 26 k€ in 2022.
The headquarters of VISA 74 is located in LIMOGES (87000), in the department Haute-Vienne.
The tax return of VISA 74 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).
VISA 74 operates in the sector Activité des économistes de la construction (NAF code 74.90A). See the 'Sector positioning' section above to compare the company with its competitors.