COOPERATIVE DES HABITANT.E.S DE L'OLIVERAIE : revenue, balance sheet and financial ratios

COOPERATIVE DES HABITANT.E.S DE L'OLIVERAIE is a French company founded 2 years ago, specialized in the sector Location de logements. Based in PLESSE (44630), this company of category PME shows in 2024 a revenue of 12 k€. 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 - COOPERATIVE DES HABITANT.E.S DE L'OLIVERAIE (SIREN 953926714)
Indicator 2024 2023
Revenue 12 117 € 4 391 €
Net income -4 823 € -1 547 €
EBITDA 2 720 € 2 108 €
Net margin -39.8% -35.2%

Revenue and income statement

In 2024, COOPERATIVE DES HABITANT.E.S DE L'OLIVERAIE achieves revenue of 12 k€. Vs 2023, growth of +176% (4 k€ -> 12 k€). After deducting consumption (0 €), gross margin stands at 12 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 3 k€, representing 22.4% of revenue. Warning negative scissor effect: despite revenue change (+176%), EBITDA varies by +29%, reducing margin by 25.6 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Net income is negative at -5 k€ (-39.8% 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

12 117 €

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

12 117 €

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

2 720 €

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

-4 705 €

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

-4 823 €

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

22.4%

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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 124%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 44%. 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 42.6 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 21.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

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

124.173%

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

43.958%

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

21.474%

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

42.583

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

94.6%

Solvency indicators evolution
COOPERATIVE DES HABITANT.E.S DE L'OLIVERAIE

Sector positioning

Debt ratio
124.17 2024
2023
2024
Q1: -230.03
Med: 0.0
Q3: 65.81
Average

In 2024, the debt ratio of COOPERATIVE DES HABITANT.... (124.17) 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
43.96% 2024
2023
2024
Q1: 0.0%
Med: 8.97%
Q3: 61.89%
Good

In 2024, the financial autonomy of COOPERATIVE DES HABITANT.... (44.0%) 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
42.58 years 2024
2023
2024
Q1: 0.0 years
Med: 0.2 years
Q3: 16.0 years
Average

In 2024, the repayment capacity of COOPERATIVE DES HABITANT.... (42.58) 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 330.96. 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 4.3x. Financial charges are adequately covered by operations.

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

330.956

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

4.338

Liquidity indicators evolution
COOPERATIVE DES HABITANT.E.S DE L'OLIVERAIE

Sector positioning

Liquidity ratio
330.96 2024
2023
2024
Q1: 9.77
Med: 137.87
Q3: 789.07
Good -18 pts over 2 years

In 2024, the liquidity ratio of COOPERATIVE DES HABITANT.... (330.96) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
4.34x 2024
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 18.69x
Good +31 pts over 2 years

In 2024, the interest coverage of COOPERATIVE DES HABITANT.... (4.3x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.

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: 56 days. Excellent situation: suppliers finance 56 days of the operating cycle (retail model). WCR is negative (-36 days): operations structurally generate 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

-1 203 €

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

56 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

-36 j

WCR and payment terms evolution
COOPERATIVE DES HABITANT.E.S DE L'OLIVERAIE

Positioning of COOPERATIVE DES HABITANT.E.S DE L'OLIVERAIE in its sector

Comparison with sector Location de logements

Valuation estimate

Based on 169 transactions of similar company sales in 2024, the value of COOPERATIVE DES HABITANT.E.S DE L'OLIVERAIE is estimated at 13 184 € (range 3 920€ - 23 826€). With an EBITDA of 2 720€, the sector multiple of 5.6x is applied. The price/revenue ratio is 0.81x (in line with sector norms). 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
169 transactions
3k€ 13k€ 23k€
13 184 € Range: 3 920€ - 23 826€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
2 720 € × 5.6x
Estimation 15 232 €
4 032€ - 27 186€
Revenue Multiple 30%
12 117 € × 0.81x
Estimation 9 774 €
3 735€ - 18 226€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 169 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 (Location de logements)

Compare COOPERATIVE DES HABITANT.E.S DE L'OLIVERAIE with other companies in the same sector:

Voir toutes les statistiques du secteur Location de logements

Frequently asked questions about COOPERATIVE DES HABITANT.E.S DE L'OLIVERAIE

What is the revenue of COOPERATIVE DES HABITANT.E.S DE L'OLIVERAIE ?

The revenue of COOPERATIVE DES HABITANT.E.S DE L'OLIVERAIE in 2024 is 12 k€.

Is COOPERATIVE DES HABITANT.E.S DE L'OLIVERAIE profitable?

COOPERATIVE DES HABITANT.E.S DE L'OLIVERAIE recorded a net loss in 2024.

Where is the headquarters of COOPERATIVE DES HABITANT.E.S DE L'OLIVERAIE ?

The headquarters of COOPERATIVE DES HABITANT.E.S DE L'OLIVERAIE is located in PLESSE (44630), in the department Loire-Atlantique.

Where to find the tax return of COOPERATIVE DES HABITANT.E.S DE L'OLIVERAIE ?

The tax return of COOPERATIVE DES HABITANT.E.S DE L'OLIVERAIE 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 COOPERATIVE DES HABITANT.E.S DE L'OLIVERAIE operate?

COOPERATIVE DES HABITANT.E.S DE L'OLIVERAIE operates in the sector Location de logements (NAF code 68.20A). See the 'Sector positioning' section above to compare the company with its competitors.