SIREN : 493877815
HARMONIE ASSOCIES is a French company founded 19 years ago, specialized in the sector Activités des sociétés holding. Based in CHARTRES (28000), this company of category ETI shows in 2024 a revenue of 3.6 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3 550 039 € | 2 629 487 € | 2 535 380 € | 2 090 894 € | 1 688 600 € | 1 693 300 € | 1 705 336 € | 1 699 894 € | 1 895 758 € |
| Net income | 5 096 970 € | 8 497 414 € | 246 185 € | 3 200 288 € | -1 900 004 € | 8 802 633 € | -117 180 € | 4 390 562 € | -953 272 € |
| EBITDA | -723 888 € | -187 545 € | 375 437 € | 259 643 € | -97 333 € | 104 710 € | 18 020 € | 67 780 € | 73 405 € |
| Net margin | 143.6% | 323.2% | 9.7% | 153.1% | -112.5% | 519.9% | -6.9% | 258.3% | -50.3% |
In 2024, HARMONIE ASSOCIES achieves revenue of 3.6 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +8.2%. Vs 2023, growth of +35% (2.6 M€ -> 3.6 M€). After deducting consumption (0 €), gross margin stands at 3.6 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 -724 k€, representing -20.4% of revenue. Warning negative scissor effect: despite revenue change (+35%), EBITDA varies by -286%, reducing margin by 13.3 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 5.1 M€, i.e. 143.6% of revenue. This profit can be retained or distributed to shareholders.
3 550 039 €
3 550 039 €
-723 888 €
-754 436 €
5 096 970 €
-20.4%
The debt ratio (= Financial debt / Equity x 100) stands at 55%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 63%. 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 6.4 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 167.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
55.222%
63.206%
167.839%
6.356
In 2024, the debt ratio of HARMONIE ASSOCIES (55.22) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of HARMONIE ASSOCIES (63.2%) 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.
In 2024, the repayment capacity of HARMONIE ASSOCIES (6.36) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 529.08. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
529.079
-174.326
In 2024, the liquidity ratio of HARMONIE ASSOCIES (529.08) 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.
In 2024, the interest coverage of HARMONIE ASSOCIES (-174.3x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 107 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 136 days. Favorable situation: supplier credit is longer than customer credit by 29 days. Overall, WCR represents 736 days of revenue, i.e. 7.3 M€ to permanently finance.
7 261 818 €
107 j
136 j
0 j
736 j
Based on 54 transactions of similar company sales
in 2024,
the value of HARMONIE ASSOCIES is estimated at
4 230 650 €
(range 2 678 602€ - 16 717 495€).
The price/revenue ratio is 0.59x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 54 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare HARMONIE ASSOCIES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of HARMONIE ASSOCIES in 2024 is 3.6 M€.
Yes, HARMONIE ASSOCIES generated a net profit of 5.1 M€ in 2024.
The headquarters of HARMONIE ASSOCIES is located in CHARTRES (28000), in the department Eure-et-Loir.
The tax return of HARMONIE ASSOCIES 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).
HARMONIE ASSOCIES operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.