COOPERATIVE DU PERSONNEL NATIXIS : revenue, balance sheet and financial ratios

COOPERATIVE DU PERSONNEL NATIXIS is a French company founded 33 years ago, specialized in the sector Centrales d'achat non alimentaires. Based in CHARENTON-LE-PONT (94220), this company of category PME shows in 2024 a revenue of 120 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 DU PERSONNEL NATIXIS (SIREN 388806705)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Revenue 120 338 € 139 714 € 246 428 € 60 928 € 108 705 € 249 093 € 370 607 € 379 885 € 734 437 € 749 366 € 864 231 €
Net income 14 503 € 73 € -20 812 € -44 411 € -20 468 € -115 535 € 44 770 € 15 045 € -2 447 € -28 283 € -22 651 €
EBITDA 21 823 € -34 937 € -26 679 € -43 770 € -22 549 € -12 638 € 67 080 € 11 619 € -403 € -22 249 € -1 691 €
Net margin 12.1% 0.1% -8.4% -72.9% -18.8% -46.4% 12.1% 4.0% -0.3% -3.8% -2.6%

Revenue and income statement

In 2024, COOPERATIVE DU PERSONNEL NATIXIS achieves revenue of 120 k€. Revenue is declining over the period 2014-2024 (CAGR: -17.9%). Significant drop of -14% vs 2023. After deducting consumption (96 k€), gross margin stands at 24 k€, i.e. a rate of 20%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 22 k€, representing 18.1% of revenue. Positive scissor effect: EBITDA margin improves by +43.1 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 15 k€, i.e. 12.1% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

120 338 €

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

24 287 €

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

21 823 €

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

17 353 €

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

14 503 €

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

18.1%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 89%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 15.8% 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

0.0%

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

88.898%

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

15.766%

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

0.0

Solvency indicators evolution
COOPERATIVE DU PERSONNEL NATIXIS

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.09
Med: 12.77
Q3: 91.48
Excellent -24 pts over 3 years

In 2024, the debt ratio of COOPERATIVE DU PERSONNEL ... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
88.9% 2024
2022
2023
2024
Q1: 14.45%
Med: 32.5%
Q3: 56.23%
Excellent +16 pts over 3 years

In 2024, the financial autonomy of COOPERATIVE DU PERSONNEL ... (88.9%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
0.0 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.18 years
Q3: 3.44 years
Excellent

In 2024, the repayment capacity of COOPERATIVE DU PERSONNEL ... (0.00) 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 900.77. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

900.77

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

0.0

Liquidity indicators evolution
COOPERATIVE DU PERSONNEL NATIXIS

Sector positioning

Liquidity ratio
900.77 2024
2022
2023
2024
Q1: 121.61
Med: 177.19
Q3: 308.74
Excellent +9 pts over 3 years

In 2024, the liquidity ratio of COOPERATIVE DU PERSONNEL ... (900.77) 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
0.0x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.78x
Q3: 21.01x
Average

In 2024, the interest coverage of COOPERATIVE DU PERSONNEL ... (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 55 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 82 days. Favorable situation: supplier credit is longer than customer credit by 27 days. Inventory turnover is 44 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 122 days of revenue, i.e. 41 k€ to permanently finance. Notable WCR improvement over the period (-87%), 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

40 872 €

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

55 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

82 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

44 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

122 j

WCR and payment terms evolution
COOPERATIVE DU PERSONNEL NATIXIS

Positioning of COOPERATIVE DU PERSONNEL NATIXIS in its sector

Comparison with sector Centrales d'achat non alimentaires

Valuation estimate

Based on 85 transactions of similar company sales (all years), the value of COOPERATIVE DU PERSONNEL NATIXIS is estimated at 26 385 € (range 14 290€ - 95 732€). With an EBITDA of 21 823€, the sector multiple of 1.0x is applied. The price/revenue ratio is 0.32x (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 2024
85 tx
14k€ 26k€ 95k€
26 385 € Range: 14 290€ - 95 732€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
21 823 € × 1.0x
Estimation 21 479 €
11 791€ - 95 196€
Revenue Multiple 30%
120 338 € × 0.32x
Estimation 38 877 €
21 653€ - 92 382€
Net Income Multiple 20%
14 503 € × 1.4x
Estimation 19 913 €
9 495€ - 102 100€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 85 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 (Centrales d'achat non alimentaires)

Compare COOPERATIVE DU PERSONNEL NATIXIS with other companies in the same sector:

Voir toutes les statistiques du secteur Centrales d'achat non alimentaires

Frequently asked questions about COOPERATIVE DU PERSONNEL NATIXIS

What is the revenue of COOPERATIVE DU PERSONNEL NATIXIS ?

The revenue of COOPERATIVE DU PERSONNEL NATIXIS in 2024 is 120 k€.

Is COOPERATIVE DU PERSONNEL NATIXIS profitable?

Yes, COOPERATIVE DU PERSONNEL NATIXIS generated a net profit of 15 k€ in 2024.

Where is the headquarters of COOPERATIVE DU PERSONNEL NATIXIS ?

The headquarters of COOPERATIVE DU PERSONNEL NATIXIS is located in CHARENTON-LE-PONT (94220), in the department Val-de-Marne.

Where to find the tax return of COOPERATIVE DU PERSONNEL NATIXIS ?

The tax return of COOPERATIVE DU PERSONNEL NATIXIS 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 DU PERSONNEL NATIXIS operate?

COOPERATIVE DU PERSONNEL NATIXIS operates in the sector Centrales d'achat non alimentaires (NAF code 46.19A). See the 'Sector positioning' section above to compare the company with its competitors.