HABITAT CONSEIL ET CREDITS : revenue, balance sheet and financial ratios

HABITAT CONSEIL ET CREDITS is a French company founded 40 years ago, specialized in the sector Construction de maisons individuelles. Based in SAINT-JULIEN-LES-METZ (57070), this company of category PME shows in 2024 a revenue of 12.4 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - HABITAT CONSEIL ET CREDITS (SIREN 337582779)
Indicator 2024 2023 2021 2020 2018 2017 2016
Revenue 12 399 714 € 24 093 484 € 17 140 569 € 15 728 503 € 14 311 280 € 10 907 114 € 9 902 524 €
Net income 1 558 339 € 2 424 652 € 1 358 295 € 973 792 € 1 091 817 € 791 833 € 509 403 €
EBITDA 1 785 305 € 3 272 592 € 1 794 042 € 1 320 785 € 1 500 171 € 1 013 416 € 664 754 €
Net margin 12.6% 10.1% 7.9% 6.2% 7.6% 7.3% 5.1%

Revenue and income statement

In 2024, HABITAT CONSEIL ET CREDITS achieves revenue of 12.4 M€. Revenue is growing positively over 7 years (CAGR: +2.9%). Significant drop of -49% vs 2023. After deducting consumption (0 €), gross margin stands at 12.4 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 1.8 M€, representing 14.4% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 1.6 M€, i.e. 12.6% 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

12 399 714 €

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

12 399 714 €

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

1 785 305 €

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

1 755 090 €

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

1 558 339 €

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

14.4%

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 53%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 12.7% 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

52.798%

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

12.689%

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

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

32.9%

Solvency indicators evolution
HABITAT CONSEIL ET CREDITS

Sector positioning

Debt ratio
0.0 2024
2021
2023
2024
Q1: 0.01
Med: 9.43
Q3: 42.45
Excellent

In 2024, the debt ratio of HABITAT CONSEIL ET CREDITS (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
52.8% 2024
2021
2023
2024
Q1: 5.78%
Med: 26.67%
Q3: 49.13%
Excellent

In 2024, the financial autonomy of HABITAT CONSEIL ET CREDITS (52.8%) 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
0.0 years 2024
2021
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.71 years
Excellent

In 2024, the repayment capacity of HABITAT CONSEIL ET CREDITS (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 663.01. 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 0.0x. 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

663.006

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

0.004

Liquidity indicators evolution
HABITAT CONSEIL ET CREDITS

Sector positioning

Liquidity ratio
663.01 2024
2021
2023
2024
Q1: 127.49
Med: 184.68
Q3: 290.32
Excellent

In 2024, the liquidity ratio of HABITAT CONSEIL ET CREDITS (663.01) 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
2021
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 1.45x
Good +25 pts over 3 years

In 2024, the interest coverage of HABITAT CONSEIL ET CREDITS (0.0x) 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: 12 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 66 days. Excellent situation: suppliers finance 54 days of the operating cycle (retail model). Inventory turnover is 130 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 103 days of revenue, i.e. 3.5 M€ to permanently finance. Over 2016-2024, WCR increased by +207%, 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

3 538 506 €

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

12 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

66 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

130 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

103 j

WCR and payment terms evolution
HABITAT CONSEIL ET CREDITS

Positioning of HABITAT CONSEIL ET CREDITS in its sector

Comparison with sector Construction de maisons individuelles

Valuation estimate

Based on 113 transactions of similar company sales (all years), the value of HABITAT CONSEIL ET CREDITS is estimated at 4 439 580 € (range 1 774 378€ - 8 603 602€). With an EBITDA of 1 785 305€, the sector multiple of 3.6x is applied. 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
113 transactions
1774k€ 4439k€ 8603k€
4 439 580 € Range: 1 774 378€ - 8 603 602€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
1 785 305 € × 3.6x
Estimation 6 513 215 €
2 454 492€ - 9 007 802€
Revenue Multiple 30%
12 399 714 € × 0.11x
Estimation 1 364 418 €
949 537€ - 5 349 639€
Net Income Multiple 20%
1 558 339 € × 2.5x
Estimation 3 868 240 €
1 311 357€ - 12 474 051€
How is this estimate calculated?

This estimate is based on the analysis of 113 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 (Construction de maisons individuelles)

Compare HABITAT CONSEIL ET CREDITS with other companies in the same sector:

Voir toutes les statistiques du secteur Construction de maisons individuelles

Frequently asked questions about HABITAT CONSEIL ET CREDITS

What is the revenue of HABITAT CONSEIL ET CREDITS ?

The revenue of HABITAT CONSEIL ET CREDITS in 2024 is 12.4 M€.

Is HABITAT CONSEIL ET CREDITS profitable?

Yes, HABITAT CONSEIL ET CREDITS generated a net profit of 1.6 M€ in 2024.

Where is the headquarters of HABITAT CONSEIL ET CREDITS ?

The headquarters of HABITAT CONSEIL ET CREDITS is located in SAINT-JULIEN-LES-METZ (57070), in the department Moselle.

Where to find the tax return of HABITAT CONSEIL ET CREDITS ?

The tax return of HABITAT CONSEIL ET CREDITS 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 HABITAT CONSEIL ET CREDITS operate?

HABITAT CONSEIL ET CREDITS operates in the sector Construction de maisons individuelles (NAF code 41.20A). See the 'Sector positioning' section above to compare the company with its competitors.