CONSTRUCTIONS DU MONT SAINT MICHEL : revenue, balance sheet and financial ratios

CONSTRUCTIONS DU MONT SAINT MICHEL is a French company founded 36 years ago, specialized in the sector Construction de maisons individuelles. Based in AVRANCHES (50300), this company of category PME shows in 2024 a revenue of 4.1 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

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

Financial history - CONSTRUCTIONS DU MONT SAINT MICHEL (SIREN 378359640)
Indicator 2024 2023 2022 2021 2019 2018 2017 2016
Revenue 4 095 624 € 4 863 793 € 5 255 014 € 4 456 421 € 3 705 181 € 5 194 720 € 3 141 101 € 4 497 192 €
Net income -50 196 € -97 235 € 58 817 € 48 099 € 119 254 € -113 006 € 15 519 € 53 859 €
EBITDA -29 887 € -79 458 € 115 127 € 59 868 € 162 729 € -114 589 € -10 483 € 940 €
Net margin -1.2% -2.0% 1.1% 1.1% 3.2% -2.2% 0.5% 1.2%

Revenue and income statement

In 2024, CONSTRUCTIONS DU MONT SAINT MICHEL achieves revenue of 4.1 M€. Activity remains stable over the period (CAGR: -1.2%). Significant drop of -16% vs 2023. After deducting consumption (3.3 M€), gross margin stands at 787 k€, i.e. a rate of 19%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -30 k€, representing -0.7% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -50 k€ (-1.2% 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

4 095 624 €

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

787 419 €

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

-29 887 €

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

-50 674 €

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

-50 196 €

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

-0.7%

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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 75%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 22%. The balance between equity and debt is satisfactory.

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

75.023%

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

21.934%

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

-0.848%

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

-6.8

Solvency indicators evolution
CONSTRUCTIONS DU MONT SAINT MICHEL

Sector positioning

Debt ratio
75.02 2024
2022
2023
2024
Q1: 0.02
Med: 9.46
Q3: 42.45
Average

In 2024, the debt ratio of CONSTRUCTIONS DU MONT SAI... (75.02) 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
21.93% 2024
2022
2023
2024
Q1: 5.82%
Med: 26.77%
Q3: 49.1%
Average

In 2024, the financial autonomy of CONSTRUCTIONS DU MONT SAI... (21.9%) 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
-6.8 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.71 years
Excellent -50 pts over 3 years

In 2024, the repayment capacity of CONSTRUCTIONS DU MONT SAI... (-6.80) 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 0.00. Alert: short-term debt exceeds current assets. Risk of payment difficulties without cash reinforcement.

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

0.0

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

-17.971

Liquidity indicators evolution
CONSTRUCTIONS DU MONT SAINT MICHEL

Sector positioning

Liquidity ratio
0.0 2024
2022
2023
2024
Q1: 127.72
Med: 185.05
Q3: 290.78
Watch +12 pts over 3 years

In 2024, the liquidity ratio of CONSTRUCTIONS DU MONT SAI... (0.00) 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.

Interest coverage
-17.97x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 1.47x
Watch -50 pts over 3 years

In 2024, the interest coverage of CONSTRUCTIONS DU MONT SAI... (-18.0x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.

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: 60 days. Excellent situation: suppliers finance 60 days of the operating cycle (retail model). WCR is negative (-24 days): operations structurally generate cash. Notable WCR improvement over the period (-121%), 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

-271 335 €

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

60 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

-24 j

WCR and payment terms evolution
CONSTRUCTIONS DU MONT SAINT MICHEL

Positioning of CONSTRUCTIONS DU MONT SAINT MICHEL 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 CONSTRUCTIONS DU MONT SAINT MICHEL is estimated at 450 667 € (range 313 631€ - 1 766 985€). 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
313k€ 450k€ 1766k€
450 667 € Range: 313 631€ - 1 766 985€
NAF 5 all-time

Valuation method used

Revenue Multiple
4 095 624 € × 0.11x = 450 667 €
Range: 313 632€ - 1 766 985€

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 CONSTRUCTIONS DU MONT SAINT MICHEL with other companies in the same sector:

Voir toutes les statistiques du secteur Construction de maisons individuelles

Frequently asked questions about CONSTRUCTIONS DU MONT SAINT MICHEL

What is the revenue of CONSTRUCTIONS DU MONT SAINT MICHEL ?

The revenue of CONSTRUCTIONS DU MONT SAINT MICHEL in 2024 is 4.1 M€.

Is CONSTRUCTIONS DU MONT SAINT MICHEL profitable?

CONSTRUCTIONS DU MONT SAINT MICHEL recorded a net loss in 2024.

Where is the headquarters of CONSTRUCTIONS DU MONT SAINT MICHEL ?

The headquarters of CONSTRUCTIONS DU MONT SAINT MICHEL is located in AVRANCHES (50300), in the department Manche.

Where to find the tax return of CONSTRUCTIONS DU MONT SAINT MICHEL ?

The tax return of CONSTRUCTIONS DU MONT SAINT MICHEL 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 CONSTRUCTIONS DU MONT SAINT MICHEL operate?

CONSTRUCTIONS DU MONT SAINT MICHEL 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.