CIVEL : revenue, balance sheet and financial ratios

CIVEL is a French company founded 22 years ago, specialized in the sector Construction de maisons individuelles. Based in PREFAILLES (44770), this company of category PME shows in 2020 a revenue of 3.3 M€. 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 - CIVEL (SIREN 451222947)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue N/C N/C N/C N/C N/C 3 280 470 € 4 904 369 € 4 270 620 € 1 290 093 € 1 157 077 €
Net income 255 798 € 263 869 € 266 766 € 180 173 € 154 479 € 165 531 € 180 395 € 163 353 € 67 410 € 74 372 €
EBITDA N/C N/C N/C N/C N/C 268 780 € 259 087 € 242 778 € 97 776 € 95 344 €
Net margin N/C N/C N/C N/C N/C 5.0% 3.7% 3.8% 5.2% 6.4%

Revenue and income statement

In 2025, CIVEL generates positive net income of 256 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2025: 74 k€ -> 256 k€.

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

255 798 €

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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 22%. 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 19%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

21.571%

Financial autonomy (2025) ?
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

19.454%

Asset age ratio (2025) ?
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

23.2%

Solvency indicators evolution
CIVEL

Sector positioning

Debt ratio
21.57 2025
2023
2024
2025
Q1: 0.63
Med: 12.8
Q3: 36.22
Average -9 pts over 3 years

In 2025, the debt ratio of CIVEL (21.57) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
19.45% 2025
2023
2024
2025
Q1: 16.81%
Med: 36.32%
Q3: 57.35%
Average -18 pts over 3 years

In 2025, the financial autonomy of CIVEL (19.4%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 116.27. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
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

116.269

Liquidity indicators evolution
CIVEL

Sector positioning

Liquidity ratio
116.27 2025
2023
2024
2025
Q1: 139.05
Med: 206.27
Q3: 306.63
Watch

In 2025, the liquidity ratio of CIVEL (116.27) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2025) ?
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

0 €

Customer credit (2025) ?
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 (2025) ?
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

0 j

Inventory turnover (2025) ?
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 and payment terms evolution
CIVEL

Positioning of CIVEL 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 CIVEL is estimated at 634 963 € (range 215 256€ - 2 047 588€). 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 2025
113 transactions
215k€ 634k€ 2047k€
634 963 € Range: 215 256€ - 2 047 588€
NAF 5 all-time

Valuation method used

Net Income Multiple
255 798 € × 2.5x = 634 963 €
Range: 215 256€ - 2 047 589€

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 CIVEL with other companies in the same sector:

Frequently asked questions about CIVEL

What is the revenue of CIVEL ?

The revenue of CIVEL in 2020 is 3.3 M€.

Is CIVEL profitable?

Yes, CIVEL generated a net profit of 256 k€ in 2025.

Where is the headquarters of CIVEL ?

The headquarters of CIVEL is located in PREFAILLES (44770), in the department Loire-Atlantique.

Where to find the tax return of CIVEL ?

The tax return of CIVEL 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 CIVEL operate?

CIVEL 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.