CAMIF HABITAT ET PAR ABREVIATION SAS CH : revenue, balance sheet and financial ratios

CAMIF HABITAT ET PAR ABREVIATION SAS CH is a French company founded 29 years ago, specialized in the sector Construction de maisons individuelles. Based in CHAURAY (79180), this company of category ETI shows in 2024 a revenue of 19.9 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - CAMIF HABITAT ET PAR ABREVIATION SAS CH (SIREN 410362685)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 19 917 937 € 35 162 979 € 34 885 277 € 31 613 237 € 27 695 116 € 32 600 002 € 33 279 537 € 31 736 767 € 31 831 798 €
Net income 5 664 219 € 2 673 372 € 1 552 783 € 1 913 937 € -2 038 379 € -198 756 € 91 486 € 578 916 € 645 890 €
EBITDA 1 310 384 € 2 188 575 € 1 157 850 € 1 138 954 € -1 379 073 € -55 947 € 356 526 € 647 682 € 619 771 €
Net margin 28.4% 7.6% 4.5% 6.1% -7.4% -0.6% 0.3% 1.8% 2.0%

Revenue and income statement

In 2024, CAMIF HABITAT ET PAR ABREVIATION SAS CH achieves revenue of 19.9 M€. Revenue is declining over the period 2016-2024 (CAGR: -5.7%). Significant drop of -43% vs 2023. After deducting consumption (12.8 M€), gross margin stands at 7.2 M€, i.e. a rate of 36%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 1.3 M€, representing 6.6% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 5.7 M€, i.e. 28.4% of revenue. This profit can be retained or distributed to shareholders.

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

19 917 937 €

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

7 158 040 €

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

1 310 384 €

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

288 222 €

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

5 664 219 €

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

6.6%

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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 0%. 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 50%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 12.0% 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 (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

0.035%

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

50.057%

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

11.954%

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

0.0

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

29.6%

Solvency indicators evolution
CAMIF HABITAT ET PAR ABREVIATION SAS CH

Sector positioning

Debt ratio
0.04 2024
2022
2023
2024
Q1: 0.01
Med: 9.46
Q3: 42.45
Good

In 2024, the debt ratio of CAMIF HABITAT ET PAR ABRE... (0.04) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
50.06% 2024
2022
2023
2024
Q1: 5.76%
Med: 26.65%
Q3: 49.13%
Excellent +32 pts over 3 years

In 2024, the financial autonomy of CAMIF HABITAT ET PAR ABRE... (50.1%) 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.

Repayment capacity
0.0 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.71 years
Excellent -25 pts over 3 years

In 2024, the repayment capacity of CAMIF HABITAT ET PAR ABRE... (0.00) 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 299.69. 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 2.6x. Financial charges are adequately covered by operations.

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

299.695

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

2.636

Liquidity indicators evolution
CAMIF HABITAT ET PAR ABREVIATION SAS CH

Sector positioning

Liquidity ratio
299.69 2024
2022
2023
2024
Q1: 127.55
Med: 184.6
Q3: 290.72
Excellent +40 pts over 3 years

In 2024, the liquidity ratio of CAMIF HABITAT ET PAR ABRE... (299.69) 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.

Interest coverage
2.64x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 1.44x
Excellent +24 pts over 3 years

In 2024, the interest coverage of CAMIF HABITAT ET PAR ABRE... (2.6x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 77 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 83 days. Favorable situation: supplier credit is longer than customer credit by 6 days. Overall, WCR represents 161 days of revenue, i.e. 8.9 M€ to permanently finance. Over 2016-2024, WCR increased by +301%, 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

8 932 597 €

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

77 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

83 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

161 j

WCR and payment terms evolution
CAMIF HABITAT ET PAR ABREVIATION SAS CH

Positioning of CAMIF HABITAT ET PAR ABREVIATION SAS CH 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 CAMIF HABITAT ET PAR ABREVIATION SAS CH is estimated at 5 859 844 € (range 2 311 655€ - 14 951 846€). With an EBITDA of 1 310 384€, the sector multiple of 3.6x is applied. 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
2311k€ 5859k€ 14951k€
5 859 844 € Range: 2 311 655€ - 14 951 846€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
1 310 384 € × 3.6x
Estimation 4 780 590 €
1 801 556€ - 6 611 576€
Revenue Multiple 30%
19 917 937 € × 0.11x
Estimation 2 191 695 €
1 525 262€ - 8 593 244€
Net Income Multiple 20%
5 664 219 € × 2.5x
Estimation 14 060 202 €
4 766 494€ - 45 340 427€
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 CAMIF HABITAT ET PAR ABREVIATION SAS CH with other companies in the same sector:

Voir toutes les statistiques du secteur Construction de maisons individuelles

Frequently asked questions about CAMIF HABITAT ET PAR ABREVIATION SAS CH

What is the revenue of CAMIF HABITAT ET PAR ABREVIATION SAS CH ?

The revenue of CAMIF HABITAT ET PAR ABREVIATION SAS CH in 2024 is 19.9 M€.

Is CAMIF HABITAT ET PAR ABREVIATION SAS CH profitable?

Yes, CAMIF HABITAT ET PAR ABREVIATION SAS CH generated a net profit of 5.7 M€ in 2024.

Where is the headquarters of CAMIF HABITAT ET PAR ABREVIATION SAS CH ?

The headquarters of CAMIF HABITAT ET PAR ABREVIATION SAS CH is located in CHAURAY (79180), in the department Deux-Sevres.

Where to find the tax return of CAMIF HABITAT ET PAR ABREVIATION SAS CH ?

The tax return of CAMIF HABITAT ET PAR ABREVIATION SAS CH 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 CAMIF HABITAT ET PAR ABREVIATION SAS CH operate?

CAMIF HABITAT ET PAR ABREVIATION SAS CH 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.