FONCIERE D'HABITAT ET HUMANISME : revenue, balance sheet and financial ratios

FONCIERE D'HABITAT ET HUMANISME is a French company founded 39 years ago, specialized in the sector Location de logements. Based in CALUIRE-ET-CUIRE (69300), this company of category PME shows in 2024 a revenue of 26.8 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 - FONCIERE D'HABITAT ET HUMANISME (SIREN 339804858)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 26 838 276 € 24 624 852 € 22 170 765 € 20 302 492 € 18 972 587 € 16 718 084 € 15 179 352 € 13 955 361 € 12 620 911 €
Net income -1 103 016 € -375 658 € -1 046 811 € 619 762 € -46 708 € 22 682 € 303 805 € 142 462 € 240 455 €
EBITDA 7 735 148 € 7 397 936 € 8 619 960 € 7 748 321 € 6 657 465 € 5 351 987 € 5 449 342 € 5 212 111 € 4 893 751 €
Net margin -4.1% -1.5% -4.7% 3.1% -0.2% 0.1% 2.0% 1.0% 1.9%

Revenue and income statement

In 2024, FONCIERE D'HABITAT ET HUMANISME achieves revenue of 26.8 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +9.9%. Vs 2023: +9%. After deducting consumption (0 €), gross margin stands at 26.8 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 7.7 M€, representing 28.8% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Net income is negative at -1.1 M€ (-4.1% 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

26 838 276 €

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

26 838 276 €

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

7 735 148 €

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

243 779 €

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

-1 103 016 €

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

28.8%

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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 35%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 73%. 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 17.1 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 38.6% 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

34.832%

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

73.443%

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

38.567%

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

17.052

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

80.6%

Solvency indicators evolution
FONCIERE D'HABITAT ET HUMANISME

Sector positioning

Debt ratio
34.83 2024
2022
2023
2024
Q1: -230.03
Med: 0.0
Q3: 65.81
Average +7 pts over 3 years

In 2024, the debt ratio of FONCIERE D'HABITAT ET HUM... (34.83) 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
73.44% 2024
2022
2023
2024
Q1: 0.0%
Med: 8.97%
Q3: 61.89%
Excellent +10 pts over 3 years

In 2024, the financial autonomy of FONCIERE D'HABITAT ET HUM... (73.4%) 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
17.05 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.2 years
Q3: 16.0 years
Average +5 pts over 3 years

In 2024, the repayment capacity of FONCIERE D'HABITAT ET HUM... (17.05) 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 2548.24. 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 940.3x. Operating income very largely covers interest expenses: high safety margin.

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

2548.239

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

940.319

Liquidity indicators evolution
FONCIERE D'HABITAT ET HUMANISME

Sector positioning

Liquidity ratio
2548.24 2024
2022
2023
2024
Q1: 9.77
Med: 137.87
Q3: 789.07
Excellent

In 2024, the liquidity ratio of FONCIERE D'HABITAT ET HUM... (2548.24) 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
940.32x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 18.69x
Excellent

In 2024, the interest coverage of FONCIERE D'HABITAT ET HUM... (940.3x) 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: 74 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 71 days. The company must finance 3 days of gap between collections and payments. Overall, WCR represents 556 days of revenue, i.e. 41.4 M€ to permanently finance. Over 2016-2024, WCR increased by +31%, 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

41 413 607 €

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

74 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

71 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

556 j

WCR and payment terms evolution
FONCIERE D'HABITAT ET HUMANISME

Positioning of FONCIERE D'HABITAT ET HUMANISME in its sector

Comparison with sector Location de logements

Valuation estimate

Based on 169 transactions of similar company sales in 2024, the value of FONCIERE D'HABITAT ET HUMANISME is estimated at 35 190 369 € (range 10 268 401€ - 63 458 946€). With an EBITDA of 7 735 148€, 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
10268k€ 35190k€ 63458k€
35 190 369 € Range: 10 268 401€ - 63 458 946€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
7 735 148 € × 5.6x
Estimation 43 315 496 €
11 465 896€ - 77 312 824€
Revenue Multiple 30%
26 838 276 € × 0.81x
Estimation 21 648 492 €
8 272 577€ - 40 369 150€

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 FONCIERE D'HABITAT ET HUMANISME with other companies in the same sector:

Voir toutes les statistiques du secteur Location de logements

Frequently asked questions about FONCIERE D'HABITAT ET HUMANISME

What is the revenue of FONCIERE D'HABITAT ET HUMANISME ?

The revenue of FONCIERE D'HABITAT ET HUMANISME in 2024 is 26.8 M€.

Is FONCIERE D'HABITAT ET HUMANISME profitable?

FONCIERE D'HABITAT ET HUMANISME recorded a net loss in 2024.

Where is the headquarters of FONCIERE D'HABITAT ET HUMANISME ?

The headquarters of FONCIERE D'HABITAT ET HUMANISME is located in CALUIRE-ET-CUIRE (69300), in the department Rhone.

Where to find the tax return of FONCIERE D'HABITAT ET HUMANISME ?

The tax return of FONCIERE D'HABITAT ET HUMANISME 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 FONCIERE D'HABITAT ET HUMANISME operate?

FONCIERE D'HABITAT ET HUMANISME operates in the sector Location de logements (NAF code 68.20A). See the 'Sector positioning' section above to compare the company with its competitors.