SIREN : 523335578
INOVY is a French company founded 15 years ago, specialized in the sector Promotion immobilière de logements. Based in SAINT-ETIENNE (42000), this company of category PME shows in 2024 a revenue of 3.5 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 | 3 502 074 € | 4 909 966 € | 1 394 644 € | 4 454 843 € | 1 569 305 € | 4 690 386 € | 609 415 € | 288 655 € | 741 541 € |
| Net income | 1 748 476 € | 2 336 690 € | 1 722 024 € | 3 625 709 € | 311 560 € | 1 729 906 € | 1 422 711 € | 667 415 € | 263 535 € |
| EBITDA | -199 209 € | -155 179 € | -285 476 € | -369 869 € | 22 198 € | 1 042 316 € | -171 311 € | -127 769 € | 388 120 € |
| Net margin | 49.9% | 47.6% | 123.5% | 81.4% | 19.9% | 36.9% | 233.5% | 231.2% | 35.5% |
In 2024, INOVY achieves revenue of 3.5 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +21.4%. Significant drop of -29% vs 2023. After deducting consumption (5.5 M€), gross margin stands at -2.0 M€, i.e. a rate of -56%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -199 k€, representing -5.7% of revenue. Warning negative scissor effect: despite revenue change (-29%), EBITDA varies by -28%, reducing margin by 2.5 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 1.7 M€, i.e. 49.9% of revenue. This profit can be retained or distributed to shareholders.
3 502 074 €
-1 960 245 €
-199 209 €
-188 788 €
1 748 476 €
-5.7%
The debt ratio (= Financial debt / Equity x 100) stands at 31%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 50%. 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 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 49.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
31.261%
49.915%
49.629%
0.274
77.3%
In 2024, the debt ratio of INOVY (31.26) 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 INOVY (49.9%) 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 INOVY (0.27) 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 320.88. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
320.878
-187.498
In 2024, the liquidity ratio of INOVY (320.88) 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.
In 2024, the interest coverage of INOVY (-187.5x) 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: 633 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 126 days. The gap of 507 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Inventory turnover is 1275 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 2116 days of revenue, i.e. 20.6 M€ to permanently finance. Over 2016-2024, WCR increased by +913%, requiring additional financing.
20 582 810 €
633 j
126 j
1275 j
2116 j
Based on 80 transactions of similar company sales
(all years),
the value of INOVY is estimated at
2 230 368 €
(range 721 616€ - 5 965 001€).
The price/revenue ratio is 0.28x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 80 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 INOVY with other companies in the same sector:
Voir toutes les statistiques du secteur Promotion immobilière de logements
The revenue of INOVY in 2024 is 3.5 M€.
Yes, INOVY generated a net profit of 1.7 M€ in 2024.
The headquarters of INOVY is located in SAINT-ETIENNE (42000), in the department Loire.
The tax return of INOVY 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).
INOVY operates in the sector Promotion immobilière de logements (NAF code 41.10A). See the 'Sector positioning' section above to compare the company with its competitors.