SIREN : 538122813
CFG HABITAT is a French company founded 14 years ago, specialized in the sector Travaux d'isolation. Based in CHAMBLY (60230), this company of category PME shows in 2024 a revenue of 2.3 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2016 |
|---|---|---|---|---|---|---|
| Revenue | 2 330 704 € | 2 167 250 € | 1 215 467 € | 1 316 388 € | 1 063 093 € | 1 087 417 € |
| Net income | 68 879 € | 71 830 € | -24 413 € | -12 024 € | 33 931 € | 64 474 € |
| EBITDA | 101 703 € | 84 263 € | -25 861 € | -6 126 € | 36 987 € | 89 453 € |
| Net margin | 3.0% | 3.3% | -2.0% | -0.9% | 3.2% | 5.9% |
In 2024, CFG HABITAT achieves revenue of 2.3 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +10.0%. Vs 2023: +8%. After deducting consumption (280 k€), gross margin stands at 2.1 M€, i.e. a rate of 88%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 102 k€, representing 4.4% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 69 k€, i.e. 3.0% of revenue. This profit can be retained or distributed to shareholders.
2 330 704 €
2 050 209 €
101 703 €
94 378 €
68 879 €
4.4%
The debt ratio (= Financial debt / Equity x 100) stands at 35%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 25%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.4 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 3.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
34.583%
25.199%
3.285%
0.352
27.8%
In 2024, the debt ratio of CFG HABITAT (34.58) 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 2024, the financial autonomy of CFG HABITAT (25.2%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of CFG HABITAT (0.35) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 142.78. 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 8.1x. Operating income very largely covers interest expenses: high safety margin.
142.775
8.074
In 2024, the liquidity ratio of CFG HABITAT (142.78) 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.
In 2024, the interest coverage of CFG HABITAT (8.1x) 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: 11 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 9 days. The company must finance 2 days of gap between collections and payments. Inventory turnover is 1 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 0 days of revenue, i.e. 932 € to permanently finance. Notable WCR improvement over the period (-91%), freeing up cash.
932 €
11 j
9 j
1 j
0 j
Based on 58 transactions of similar company sales
(all years),
the value of CFG HABITAT is estimated at
255 709 €
(range 167 922€ - 502 747€).
With an EBITDA of 101 703€, the sector multiple of 1.2x is applied.
The price/revenue ratio is 0.20x
(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.
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This estimate is based on the analysis of 58 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 CFG HABITAT with other companies in the same sector:
The revenue of CFG HABITAT in 2024 is 2.3 M€.
Yes, CFG HABITAT generated a net profit of 69 k€ in 2024.
The headquarters of CFG HABITAT is located in CHAMBLY (60230), in the department Oise.
The tax return of CFG 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).
CFG HABITAT operates in the sector Travaux d'isolation (NAF code 43.29A). See the 'Sector positioning' section above to compare the company with its competitors.