CENTRE GARONNAIS DE L'HABITAT : revenue, balance sheet and financial ratios

CENTRE GARONNAIS DE L'HABITAT is a French company founded 22 years ago, specialized in the sector Travaux de couverture par éléments. Based in PECHABOU (31320), this company of category PME shows in 2024 a revenue of 456 k€. 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

Financial history - CENTRE GARONNAIS DE L'HABITAT (SIREN 449128883)
Indicator 2024 2023 2021 2019 2017
Revenue 456 179 € 471 487 € 372 343 € 411 089 € 344 223 €
Net income 27 586 € 50 170 € 9 468 € 22 186 € 919 €
EBITDA 29 229 € 55 476 € 9 495 € 29 537 € 6 486 €
Net margin 6.0% 10.6% 2.5% 5.4% 0.3%

Revenue and income statement

In 2024, CENTRE GARONNAIS DE L'HABITAT achieves revenue of 456 k€. Revenue is growing positively over 5 years (CAGR: +4.1%). Slight decline of -3% vs 2023. After deducting consumption (150 k€), gross margin stands at 306 k€, i.e. a rate of 67%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 29 k€, representing 6.4% of revenue. Warning negative scissor effect: despite revenue change (-3%), EBITDA varies by -47%, reducing margin by 5.4 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 28 k€, i.e. 6.0% 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

456 179 €

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

305 999 €

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

29 229 €

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

33 344 €

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

27 586 €

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

6.4%

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Chart evolution

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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 16%. 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 45%. 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 1.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 1.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

15.74%

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

44.515%

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

1.632%

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

1.153

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

4.6%

Solvency indicators evolution
CENTRE GARONNAIS DE L'HABITAT

Sector positioning

Debt ratio
15.74 2024
2021
2023
2024
Q1: 4.55
Med: 19.76
Q3: 51.32
Good +19 pts over 3 years

In 2024, the debt ratio of CENTRE GARONNAIS DE L'HAB... (15.74) 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
44.52% 2024
2021
2023
2024
Q1: 20.21%
Med: 41.48%
Q3: 58.46%
Good +30 pts over 3 years

In 2024, the financial autonomy of CENTRE GARONNAIS DE L'HAB... (44.5%) 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.

Repayment capacity
1.15 years 2024
2021
2023
2024
Q1: 0.0 years
Med: 0.33 years
Q3: 1.23 years
Average

In 2024, the repayment capacity of CENTRE GARONNAIS DE L'HAB... (1.15) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 198.31. 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 0.3x. Danger: operating income does not cover interest charges, unsustainable situation.

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

198.31

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

0.277

Liquidity indicators evolution
CENTRE GARONNAIS DE L'HABITAT

Sector positioning

Liquidity ratio
198.31 2024
2021
2023
2024
Q1: 152.81
Med: 217.71
Q3: 316.62
Average +21 pts over 3 years

In 2024, the liquidity ratio of CENTRE GARONNAIS DE L'HAB... (198.31) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
0.28x 2024
2021
2023
2024
Q1: 0.0x
Med: 0.51x
Q3: 2.62x
Average -28 pts over 3 years

In 2024, the interest coverage of CENTRE GARONNAIS DE L'HAB... (0.3x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 34 days. Excellent situation: suppliers finance 34 days of the operating cycle (retail model). Inventory turnover is 18 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. WCR is negative (-2 days): operations structurally generate cash. Notable WCR improvement over the period (-116%), freeing up cash.

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

-2 308 €

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

0 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

34 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

18 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

-2 j

WCR and payment terms evolution
CENTRE GARONNAIS DE L'HABITAT

Positioning of CENTRE GARONNAIS DE L'HABITAT in its sector

Comparison with sector Travaux de couverture par éléments

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 41 088€ to 148 118€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2024
Indicative
41k€ 67k€ 148k€
67 542 € Range: 41 088€ - 148 118€
NAF 5 année 2024

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 20 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 (Travaux de couverture par éléments)

Compare CENTRE GARONNAIS DE L'HABITAT with other companies in the same sector:

Voir toutes les statistiques du secteur Travaux de couverture par éléments

Frequently asked questions about CENTRE GARONNAIS DE L'HABITAT

What is the revenue of CENTRE GARONNAIS DE L'HABITAT ?

The revenue of CENTRE GARONNAIS DE L'HABITAT in 2024 is 456 k€.

Is CENTRE GARONNAIS DE L'HABITAT profitable?

Yes, CENTRE GARONNAIS DE L'HABITAT generated a net profit of 28 k€ in 2024.

Where is the headquarters of CENTRE GARONNAIS DE L'HABITAT ?

The headquarters of CENTRE GARONNAIS DE L'HABITAT is located in PECHABOU (31320), in the department Haute-Garonne.

Where to find the tax return of CENTRE GARONNAIS DE L'HABITAT ?

The tax return of CENTRE GARONNAIS DE L'HABITAT 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 CENTRE GARONNAIS DE L'HABITAT operate?

CENTRE GARONNAIS DE L'HABITAT operates in the sector Travaux de couverture par éléments (NAF code 43.91B). See the 'Sector positioning' section above to compare the company with its competitors.