COOPERATIVE IMMOBILIERE DE BRETAGNE : revenue, balance sheet and financial ratios

COOPERATIVE IMMOBILIERE DE BRETAGNE is a French company founded 71 years ago, specialized in the sector Autre distribution de crédit. Based in SAINT-BRIEUC (22000), this company of category ETI shows in 2024 a revenue of 621 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 IMMOBILIERE DE BRETAGNE (SIREN 777456153)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 621 375 € 401 601 € 266 057 € 445 226 € 550 584 € 659 404 € 626 302 € 450 367 € 347 793 €
Net income -831 072 € -25 788 € -749 129 € -6 568 904 € -9 689 592 € 36 292 € -2 646 733 € -95 066 € -317 303 €
EBITDA -1 195 437 € -983 896 € -1 206 582 € -833 482 € -950 619 € -774 285 € -641 378 € -500 699 € -622 771 €
Net margin -133.7% -6.4% -281.6% -1475.4% -1759.9% 5.5% -422.6% -21.1% -91.2%

Revenue and income statement

In 2024, COOPERATIVE IMMOBILIERE DE BRETAGNE achieves revenue of 621 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +7.5%. Vs 2023, growth of +55% (402 k€ -> 621 k€). After deducting consumption (0 €), gross margin stands at 621 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 -1.2 M€, representing -192.4% of revenue. Positive scissor effect: EBITDA margin improves by +52.6 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -831 k€ (-133.7% 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

621 375 €

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

621 375 €

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

-1 195 437 €

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

-1 445 713 €

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

-831 072 €

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

-187.8%

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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 1%. 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 98%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

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

0.766%

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

97.794%

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

-98.607%

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

-0.589

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

33.4%

Solvency indicators evolution
COOPERATIVE IMMOBILIERE DE BRETAGNE

Sector positioning

Debt ratio
0.77 2024
2022
2023
2024
Q1: 0.0
Med: 12.96
Q3: 83.54
Good

In 2024, the debt ratio of COOPERATIVE IMMOBILIERE D... (0.77) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
97.79% 2024
2022
2023
2024
Q1: 5.44%
Med: 43.16%
Q3: 75.42%
Excellent +18 pts over 3 years

In 2024, the financial autonomy of COOPERATIVE IMMOBILIERE D... (97.8%) 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
-0.59 years 2024
2022
2023
2024
Q1: -0.01 years
Med: 0.0 years
Q3: 1.95 years
Excellent

In 2024, the repayment capacity of COOPERATIVE IMMOBILIERE D... (-0.59) 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 1131.21. 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

1131.209

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

-3.08

Liquidity indicators evolution
COOPERATIVE IMMOBILIERE DE BRETAGNE

Sector positioning

Liquidity ratio
1131.21 2024
2022
2023
2024
Q1: 136.44
Med: 347.58
Q3: 971.34
Excellent

In 2024, the liquidity ratio of COOPERATIVE IMMOBILIERE D... (1131.21) 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
-3.08x 2024
2022
2023
2024
Q1: -15.44x
Med: 0.0x
Q3: 1.07x
Average +20 pts over 3 years

In 2024, the interest coverage of COOPERATIVE IMMOBILIERE D... (-3.1x) 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: 334 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 121 days. The gap of 213 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Inventory turnover is 31 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 2455 days of revenue, i.e. 4.2 M€ to permanently finance. Over 2016-2024, WCR increased by +119%, requiring additional financing.

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

4 237 778 €

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

334 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

121 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

31 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

2455 j

WCR and payment terms evolution
COOPERATIVE IMMOBILIERE DE BRETAGNE

Positioning of COOPERATIVE IMMOBILIERE DE BRETAGNE in its sector

Comparison with sector Autre distribution de crédit

Valuation estimate

Based on 135 transactions of similar company sales (all years), the value of COOPERATIVE IMMOBILIERE DE BRETAGNE is estimated at 70 871 € (range 58 733€ - 141 948€). 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
135 transactions
58k€ 70k€ 141k€
70 871 € Range: 58 733€ - 141 948€
NAF 5 all-time

Valuation method used

Revenue Multiple
621 375 € × 0.11x = 70 871 €
Range: 58 733€ - 141 949€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 135 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 (Autre distribution de crédit)

Compare COOPERATIVE IMMOBILIERE DE BRETAGNE with other companies in the same sector:

Voir toutes les statistiques du secteur Autre distribution de crédit

Frequently asked questions about COOPERATIVE IMMOBILIERE DE BRETAGNE

What is the revenue of COOPERATIVE IMMOBILIERE DE BRETAGNE ?

The revenue of COOPERATIVE IMMOBILIERE DE BRETAGNE in 2024 is 621 k€.

Is COOPERATIVE IMMOBILIERE DE BRETAGNE profitable?

COOPERATIVE IMMOBILIERE DE BRETAGNE recorded a net loss in 2024.

Where is the headquarters of COOPERATIVE IMMOBILIERE DE BRETAGNE ?

The headquarters of COOPERATIVE IMMOBILIERE DE BRETAGNE is located in SAINT-BRIEUC (22000), in the department Cotes-d'Armor.

Where to find the tax return of COOPERATIVE IMMOBILIERE DE BRETAGNE ?

The tax return of COOPERATIVE IMMOBILIERE DE BRETAGNE 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 IMMOBILIERE DE BRETAGNE operate?

COOPERATIVE IMMOBILIERE DE BRETAGNE operates in the sector Autre distribution de crédit (NAF code 64.92Z). See the 'Sector positioning' section above to compare the company with its competitors.