FONCIA LOIRE ATLANTIQUE : revenue, balance sheet and financial ratios

FONCIA LOIRE ATLANTIQUE is a French company founded 34 years ago, specialized in the sector Administration d'immeubles et autres biens immobiliers. Based in NANTES (44000), this company of category GE shows in 2024 a revenue of 7.5 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 - FONCIA LOIRE ATLANTIQUE (SIREN 383617719)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 7 504 431 € 7 586 052 € 6 108 317 € 2 686 812 € 2 865 925 € 2 888 917 € 3 156 350 € 3 329 816 € 3 236 872 €
Net income 198 009 € -102 644 € 486 640 € -474 168 € 31 142 € -373 404 € -58 160 € -68 143 € -628 454 €
EBITDA 969 162 € 727 767 € 1 068 951 € -22 427 € 309 067 € -173 767 € 80 507 € 78 092 € -239 700 €
Net margin 2.6% -1.4% 8.0% -17.6% 1.1% -12.9% -1.8% -2.0% -19.4%

Revenue and income statement

In 2024, FONCIA LOIRE ATLANTIQUE achieves revenue of 7.5 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +11.1%. Slight decline of -1% vs 2023. After deducting consumption (832 €), gross margin stands at 7.5 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 969 k€, representing 12.9% of revenue. Positive scissor effect: EBITDA margin improves by +3.3 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 198 k€, i.e. 2.6% 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

7 504 431 €

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

7 503 599 €

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

969 162 €

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

9 102 €

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

198 009 €

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

12.9%

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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 40%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 27%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 5.1 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 2.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

39.844%

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

27.087%

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

2.266%

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

5.056

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

11.7%

Solvency indicators evolution
FONCIA LOIRE ATLANTIQUE

Sector positioning

Debt ratio
39.84 2024
2022
2023
2024
Q1: 0.0
Med: 9.88
Q3: 66.83
Average +6 pts over 3 years

In 2024, the debt ratio of FONCIA LOIRE ATLANTIQUE (39.84) 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
27.09% 2024
2022
2023
2024
Q1: 3.12%
Med: 14.33%
Q3: 43.68%
Good

In 2024, the financial autonomy of FONCIA LOIRE ATLANTIQUE (27.1%) 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
5.06 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.18 years
Q3: 4.28 years
Average +17 pts over 3 years

In 2024, the repayment capacity of FONCIA LOIRE ATLANTIQUE (5.06) 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 106.88. 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 0.1x. Danger: operating income does not cover interest charges, unsustainable situation.

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

106.881

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

0.13

Liquidity indicators evolution
FONCIA LOIRE ATLANTIQUE

Sector positioning

Liquidity ratio
106.88 2024
2022
2023
2024
Q1: 100.01
Med: 116.56
Q3: 409.44
Average

In 2024, the liquidity ratio of FONCIA LOIRE ATLANTIQUE (106.88) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
0.13x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 7.69x
Good

In 2024, the interest coverage of FONCIA LOIRE ATLANTIQUE (0.1x) 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: 20 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 178 days. Excellent situation: suppliers finance 158 days of the operating cycle (retail model). WCR is negative (-3 days): operations structurally generate cash. Over 2016-2024, WCR increased by +97%, 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

-65 739 €

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

20 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

178 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

-3 j

WCR and payment terms evolution
FONCIA LOIRE ATLANTIQUE

Positioning of FONCIA LOIRE ATLANTIQUE in its sector

Comparison with sector Administration d'immeubles et autres biens immobiliers

Valuation estimate

Based on 277 transactions of similar company sales (all years), the value of FONCIA LOIRE ATLANTIQUE is estimated at 1 373 482 € (range 553 127€ - 3 612 668€). With an EBITDA of 969 162€, the sector multiple of 1.3x is applied. The price/revenue ratio is 0.29x (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
277 transactions
553k€ 1373k€ 3612k€
1 373 482 € Range: 553 127€ - 3 612 668€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
969 162 € × 1.3x
Estimation 1 285 370 €
447 232€ - 3 878 123€
Revenue Multiple 30%
7 504 431 € × 0.29x
Estimation 2 141 426 €
1 032 174€ - 4 671 753€
Net Income Multiple 20%
198 009 € × 2.2x
Estimation 441 847 €
99 298€ - 1 360 406€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 277 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 (Administration d'immeubles et autres biens immobiliers)

Compare FONCIA LOIRE ATLANTIQUE with other companies in the same sector:

Voir toutes les statistiques du secteur Administration d'immeubles et autres biens immobiliers

Frequently asked questions about FONCIA LOIRE ATLANTIQUE

What is the revenue of FONCIA LOIRE ATLANTIQUE ?

The revenue of FONCIA LOIRE ATLANTIQUE in 2024 is 7.5 M€.

Is FONCIA LOIRE ATLANTIQUE profitable?

Yes, FONCIA LOIRE ATLANTIQUE generated a net profit of 198 k€ in 2024.

Where is the headquarters of FONCIA LOIRE ATLANTIQUE ?

The headquarters of FONCIA LOIRE ATLANTIQUE is located in NANTES (44000), in the department Loire-Atlantique.

Where to find the tax return of FONCIA LOIRE ATLANTIQUE ?

The tax return of FONCIA LOIRE ATLANTIQUE 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 FONCIA LOIRE ATLANTIQUE operate?

FONCIA LOIRE ATLANTIQUE operates in the sector Administration d'immeubles et autres biens immobiliers (NAF code 68.32A). See the 'Sector positioning' section above to compare the company with its competitors.