COOP AGRICOLE DU PAYS DE LOIRE : revenue, balance sheet and financial ratios

COOP AGRICOLE DU PAYS DE LOIRE is a French company founded 126 years ago, specialized in the sector Commerce de gros (commerce interentreprises) de céréales, de tabac non manufacturé, de semences et d'aliments pour le bétail . Based in BELLEVIGNE-EN-LAYON (49380), this company of category ETI shows in 2025 a revenue of 99.8 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 - COOP AGRICOLE DU PAYS DE LOIRE (SIREN 775610447)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017
Revenue 99 826 429 € 109 930 020 € 124 271 226 € 104 474 974 € 91 213 348 € 107 958 906 € 118 934 454 € 111 086 889 € 103 074 758 €
Net income -4 160 273 € 2 057 784 € 1 663 911 € 2 267 998 € 1 614 251 € 1 268 482 € 627 984 € 1 802 551 € 2 893 693 €
EBITDA 3 557 414 € 5 609 255 € 4 006 621 € 4 042 359 € 2 658 386 € 2 525 844 € 1 424 546 € 3 520 658 € 4 169 310 €
Net margin -4.2% 1.9% 1.3% 2.2% 1.8% 1.2% 0.5% 1.6% 2.8%

Revenue and income statement

In 2025, COOP AGRICOLE DU PAYS DE LOIRE achieves revenue of 99.8 M€. Activity remains stable over the period (CAGR: -0.4%). Slight decline of -9% vs 2024. After deducting consumption (76.8 M€), gross margin stands at 23.0 M€, i.e. a rate of 23%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 3.6 M€, representing 3.6% of revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -4.2 M€ (-4.2% of revenue), which will impact equity.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

99 826 429 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

23 032 663 €

EBITDA (2025) ?
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

3 557 414 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

1 190 654 €

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

-4 160 273 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

3.5%

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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 409%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 17%. 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

408.995%

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

16.947%

Cash flow / Revenue (2025) ?
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

-1.954%

Repayment capacity (2025) ?
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

-45.982

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

35.2%

Solvency indicators evolution
COOP AGRICOLE DU PAYS DE LOIRE

Sector positioning

Debt ratio
409.0 2025
2023
2024
2025
Q1: 6.47
Med: 45.92
Q3: 121.67
Watch

In 2025, the debt ratio of COOP AGRICOLE DU PAYS DE ... (409.00) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
16.95% 2025
2023
2024
2025
Q1: 19.72%
Med: 40.93%
Q3: 57.41%
Average -10 pts over 3 years

In 2025, the financial autonomy of COOP AGRICOLE DU PAYS DE ... (16.9%) 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
-45.98 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 2.08 years
Q3: 6.31 years
Excellent -56 pts over 3 years

In 2025, the repayment capacity of COOP AGRICOLE DU PAYS DE ... (-45.98) 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 546.58. 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 140.4x. Operating income very largely covers interest expenses: high safety margin.

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

546.583

Interest coverage (2025) ?
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

140.362

Liquidity indicators evolution
COOP AGRICOLE DU PAYS DE LOIRE

Sector positioning

Liquidity ratio
546.58 2025
2023
2024
2025
Q1: 130.13
Med: 212.59
Q3: 336.97
Excellent

In 2025, the liquidity ratio of COOP AGRICOLE DU PAYS DE ... (546.58) 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
140.36x 2025
2023
2024
2025
Q1: 0.0x
Med: 13.85x
Q3: 38.47x
Excellent

In 2025, the interest coverage of COOP AGRICOLE DU PAYS DE ... (140.4x) 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: 59 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 47 days. The company must finance 12 days of gap between collections and payments. Inventory turnover is 53 days (= Average inventory / Cost of goods x 360). Overall, WCR represents 314 days of revenue, i.e. 87.2 M€ to permanently finance.

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

87 156 459 €

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

59 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

47 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

53 j

WCR in days of revenue (2025) ?
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

314 j

WCR and payment terms evolution
COOP AGRICOLE DU PAYS DE LOIRE

Positioning of COOP AGRICOLE DU PAYS DE LOIRE in its sector

Comparison with sector Commerce de gros (commerce interentreprises) de céréales, de tabac non manufacturé, de semences et d'aliments pour le bétail

Valuation estimate

Based on 94 transactions of similar company sales (all years), the value of COOP AGRICOLE DU PAYS DE LOIRE is estimated at 6 741 547 € (range 4 479 779€ - 11 130 498€). With an EBITDA of 3 557 414€, the sector multiple of 0.5x is applied. The price/revenue ratio is 0.15x (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.

Estimated enterprise value 2025
94 tx
4479k€ 6741k€ 11130k€
6 741 547 € Range: 4 479 779€ - 11 130 498€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
3 557 414 € × 0.5x
Estimation 1 734 858 €
1 024 352€ - 7 416 893€
Revenue Multiple 30%
99 826 429 € × 0.15x
Estimation 15 086 029 €
10 238 824€ - 17 319 840€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 94 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 (Commerce de gros (commerce interentreprises) de céréales, de tabac non manufacturé, de semences et d'aliments pour le bétail )

Compare COOP AGRICOLE DU PAYS DE LOIRE with other companies in the same sector:

Voir toutes les statistiques du secteur Commerce de gros (commerce interentreprises) de céréales, de tabac non manufacturé, de semences et d'aliments pour le bétail

Frequently asked questions about COOP AGRICOLE DU PAYS DE LOIRE

What is the revenue of COOP AGRICOLE DU PAYS DE LOIRE ?

The revenue of COOP AGRICOLE DU PAYS DE LOIRE in 2025 is 99.8 M€.

Is COOP AGRICOLE DU PAYS DE LOIRE profitable?

COOP AGRICOLE DU PAYS DE LOIRE recorded a net loss in 2025.

Where is the headquarters of COOP AGRICOLE DU PAYS DE LOIRE ?

The headquarters of COOP AGRICOLE DU PAYS DE LOIRE is located in BELLEVIGNE-EN-LAYON (49380), in the department Maine-et-Loire.

Where to find the tax return of COOP AGRICOLE DU PAYS DE LOIRE ?

The tax return of COOP AGRICOLE DU PAYS DE LOIRE 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 COOP AGRICOLE DU PAYS DE LOIRE operate?

COOP AGRICOLE DU PAYS DE LOIRE operates in the sector Commerce de gros (commerce interentreprises) de céréales, de tabac non manufacturé, de semences et d'aliments pour le bétail (NAF code 46.21Z). See the 'Sector positioning' section above to compare the company with its competitors.