SIREN : 484818695
CHARMA is a French company founded 20 years ago, specialized in the sector Location de logements. Based in ISLE (87170), this company of category PME shows in 2018 a revenue of 20 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
| Indicador | 2018 |
|---|---|
| Ingresos | 20 163 € |
| Resultado neto | -19 387 € |
| EBITDA | 15 700 € |
| Margen neto | -96.2% |
In 2018, CHARMA achieves revenue of 20 k€. After deducting consumption (0 €), gross margin stands at 20 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 16 k€, representing 77.9% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Net income is negative at -19 k€ (-96.2% of revenue), which will impact equity.
20 163 €
20 163 €
15 700 €
-4 638 €
-19 387 €
77.9%
The debt ratio (= Financial debt / Equity x 100) stands at -1136%. 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 109%. 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 524.5 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 5.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
-1136.437%
109.454%
5.47%
524.484
63.5%
In 2018, the debt ratio of CHARMA (-1136.44) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
In 2018, the financial autonomy of CHARMA (109.5%) 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.
In 2018, the repayment capacity of CHARMA (524.48) 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 238.12. 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 97.5x. Operating income very largely covers interest expenses: high safety margin.
238.123
97.548
In 2018, the liquidity ratio of CHARMA (238.12) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2018, the interest coverage of CHARMA (97.5x) 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: 155 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 36 days. The gap of 119 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. WCR is negative (-548 days): operations structurally generate cash.
-30 710 €
155 j
36 j
0 j
-548 j
Based on 184 transactions of similar company sales in 2018, the value of CHARMA is estimated at 46 846 € (range 16 442€ - 89 562€). With an EBITDA of 15 700€, the sector multiple of 4.3x is applied. The price/revenue ratio is 0.55x (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.
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This estimate is based on the analysis of 184 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 CHARMA with other companies in the same sector:
Voir toutes les statistiques du secteur Location de logements
The revenue of CHARMA in 2018 is 20 k€.
CHARMA recorded a net loss in 2018.
The headquarters of CHARMA is located in ISLE (87170), in the department Haute-Vienne.
The tax return of CHARMA 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).
CHARMA operates in the sector Location de logements (NAF code 68.20A). See the 'Sector positioning' section above to compare the company with its competitors.