AGENCE HABITAT CONCEPT : revenue, balance sheet and financial ratios

AGENCE HABITAT CONCEPT is a French company founded 33 years ago, specialized in the sector Construction de maisons individuelles. Based in SAINT-SEBASTIEN-SUR-LOIRE (44230), this company of category PME shows in 2024 a revenue of 1.8 M€. 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 - AGENCE HABITAT CONCEPT (SIREN 387749591)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017
Revenue 1 801 107 € N/C 1 628 728 € N/C N/C N/C 2 782 149 € 1 893 805 €
Net income -301 141 € 92 139 € -215 552 € -128 281 € 33 264 € 18 774 € 12 013 € 4 434 €
EBITDA -289 641 € N/C -187 023 € N/C N/C N/C 1 678 € 6 813 €
Net margin -16.7% N/C -13.2% N/C N/C N/C 0.4% 0.2%

Revenue and income statement

In 2024, AGENCE HABITAT CONCEPT achieves revenue of 1.8 M€. Activity remains stable over the period (CAGR: -0.7%). After deducting consumption (46 k€), gross margin stands at 1.8 M€, i.e. a rate of 97%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -290 k€, representing -16.1% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -301 k€ (-16.7% of revenue), which will impact equity.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

1 801 107 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

1 755 432 €

EBITDA (2024) ?
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

-289 641 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-299 949 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-301 141 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-16.1%

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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 -59%. 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 -9%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

-59.305%

Financial autonomy (2024) ?
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

-9.485%

Cash flow / Revenue (2024) ?
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

-16.454%

Repayment capacity (2024) ?
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

-0.515

Asset age ratio (2024) ?
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

34.9%

Solvency indicators evolution
AGENCE HABITAT CONCEPT

Sector positioning

Debt ratio
-59.3 2024
2022
2023
2024
Q1: 0.01
Med: 9.43
Q3: 42.45
Excellent

In 2024, the debt ratio of AGENCE HABITAT CONCEPT (-59.30) 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.

Financial autonomy
-9.48% 2024
2022
2023
2024
Q1: 5.78%
Med: 26.67%
Q3: 49.13%
Average

In 2024, the financial autonomy of AGENCE HABITAT CONCEPT (-9.5%) 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
-0.52 years 2024
2022
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.71 years
Excellent

In 2024, the repayment capacity of AGENCE HABITAT CONCEPT (-0.52) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 191.80. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
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

191.798

Interest coverage (2024) ?
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

-0.604

Liquidity indicators evolution
AGENCE HABITAT CONCEPT

Sector positioning

Liquidity ratio
191.8 2024
2022
2023
2024
Q1: 127.49
Med: 184.68
Q3: 290.32
Good -6 pts over 3 years

In 2024, the liquidity ratio of AGENCE HABITAT CONCEPT (191.80) 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.

Interest coverage
-0.6x 2024
2022
2024
Q1: 0.0x
Med: 0.0x
Q3: 1.45x
Average

In 2024, the interest coverage of AGENCE HABITAT CONCEPT (-0.6x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 367 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 155 days. The gap of 212 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 137 days of revenue, i.e. 685 k€ to permanently finance. Over 2017-2024, WCR increased by +111%, requiring additional financing.

Operating WCR (2024) ?
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

685 339 €

Customer credit (2024) ?
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

367 j

Supplier credit (2024) ?
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

155 j

Inventory turnover (2024) ?
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 (2024) ?
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

137 j

WCR and payment terms evolution
AGENCE HABITAT CONCEPT

Positioning of AGENCE HABITAT CONCEPT in its sector

Comparison with sector Construction de maisons individuelles

Valuation estimate

Based on 113 transactions of similar company sales (all years), the value of AGENCE HABITAT CONCEPT is estimated at 198 187 € (range 137 923€ - 777 055€). The price/revenue ratio is 0.11x (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 2024
113 transactions
137k€ 198k€ 777k€
198 187 € Range: 137 923€ - 777 055€
NAF 5 all-time

Valuation method used

Revenue Multiple
1 801 107 € × 0.11x = 198 187 €
Range: 137 924€ - 777 056€

Only this financial indicator is available for this company.

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 (Construction de maisons individuelles)

Compare AGENCE HABITAT CONCEPT with other companies in the same sector:

Voir toutes les statistiques du secteur Construction de maisons individuelles

Frequently asked questions about AGENCE HABITAT CONCEPT

What is the revenue of AGENCE HABITAT CONCEPT ?

The revenue of AGENCE HABITAT CONCEPT in 2024 is 1.8 M€.

Is AGENCE HABITAT CONCEPT profitable?

AGENCE HABITAT CONCEPT recorded a net loss in 2024.

Where is the headquarters of AGENCE HABITAT CONCEPT ?

The headquarters of AGENCE HABITAT CONCEPT is located in SAINT-SEBASTIEN-SUR-LOIRE (44230), in the department Loire-Atlantique.

Where to find the tax return of AGENCE HABITAT CONCEPT ?

The tax return of AGENCE HABITAT CONCEPT 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 AGENCE HABITAT CONCEPT operate?

AGENCE HABITAT CONCEPT operates in the sector Construction de maisons individuelles (NAF code 41.20A). See the 'Sector positioning' section above to compare the company with its competitors.