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HARMONIE : revenue, balance sheet and financial ratios

HARMONIE is a French company founded 20 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in SAINT-NAZAIRE-LES-EYMES (38330), this company of category PME shows in 2017 a net income negative of -8 k€. 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 - HARMONIE (SIREN 484538137)
Indicator 2017
Revenue N/C
Net income -8 060 €
EBITDA -95 844 €
Net margin N/C

Revenue and income statement

In 2017, HARMONIE records a net loss of 8 k€. This deficit will reduce equity on the balance sheet.

EBITDA (2017) ?
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

-95 844 €

EBIT (2017) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

2 556 €

Net income (2017) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-8 060 €

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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 108%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 48%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2017) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

107.944%

Financial autonomy (2017) ?
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

48.09%

Repayment capacity (2017) ?
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

-156.13

Asset age ratio (2017) ?
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

100.0%

Solvency indicators evolution
HARMONIE

Sector positioning

Debt ratio
107.94 2017
2017
Q1: 0.0
Med: 13.68
Q3: 149.68
Average

In 2017, the debt ratio of HARMONIE (107.94) 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
48.09% 2017
2017
Q1: 3.75%
Med: 38.99%
Q3: 78.34%
Good

In 2017, the financial autonomy of HARMONIE (48.1%) 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
-156.13 years 2017
2017
Q1: 0.0 years
Med: 0.51 years
Q3: 7.56 years
Excellent

In 2017, the repayment capacity of HARMONIE (-156.13) 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

Interest coverage (2017) ?
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

-11.076

Liquidity indicators evolution
HARMONIE

Sector positioning

Interest coverage
-11.08x 2017
2017
Q1: 0.0x
Med: 0.15x
Q3: 15.56x
Average

In 2017, the interest coverage of HARMONIE (-11.1x) 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.

Positioning of HARMONIE in its sector

Comparison with sector Location de terrains et d'autres biens immobiliers

Similar companies (Location de terrains et d'autres biens immobiliers)

Compare HARMONIE with other companies in the same sector:

Voir toutes les statistiques du secteur Location de terrains et d'autres biens immobiliers

Frequently asked questions about HARMONIE

What is the revenue of HARMONIE ?

The revenue of HARMONIE is not publicly disclosed (confidential accounts filed with INPI).

Is HARMONIE profitable?

HARMONIE recorded a net loss in 2017.

Where is the headquarters of HARMONIE ?

The headquarters of HARMONIE is located in SAINT-NAZAIRE-LES-EYMES (38330), in the department Isere.

Where to find the tax return of HARMONIE ?

The tax return of HARMONIE 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 HARMONIE operate?

HARMONIE operates in the sector Location de terrains et d'autres biens immobiliers (NAF code 68.20B). See the 'Sector positioning' section above to compare the company with its competitors.