Employees: 12 (2023.0)Legal category: Société à responsabilité limitée (sans autre indication)Size: PMECreation date: 2009-09-15 (16 years)Status: ActiveBusiness sector: Travaux d'isolationLocation: SAINTE-LUCE-SUR-LOIRE (44980), Loire-Atlantique
ISOLAVIE : revenue, balance sheet and financial ratios
ISOLAVIE is a French company
founded 16 years ago,
specialized in the sector Travaux d'isolation.
Based in SAINTE-LUCE-SUR-LOIRE (44980),
this company of category PME
shows in 2023 a revenue of 4.8 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
In 2024, ISOLAVIE generates positive net income of 416 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax.
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
415 511 €
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 6%. 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 55%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
Debt ratio (2024)
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Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
6.452%
Financial autonomy (2024)
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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
55.17%
Asset age ratio (2024)
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Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
Debt ratio
8.171
20.66
22.869
14.132
22.208
11.428
17.454
11.425
17.003
6.452
Financial autonomy
42.897
42.627
38.102
38.97
47.408
48.814
48.953
55.138
47.064
55.17
Repayment capacity
3.512
0.69
0.976
0.439
0.646
None
None
0.313
0.34
None
Cash flow / Revenue
0.314%
4.224%
3.192%
4.484%
5.828%
None%
None%
7.259%
7.752%
None%
Sector positioning
Debt ratio
6.452024
2022
2023
2024
Q1: 0.52
Med: 13.18
Q3: 45.45
Good
In 2024, the debt ratio of ISOLAVIE (6.45) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
Financial autonomy
55.17%2024
2022
2023
2024
Q1: 10.35%
Med: 33.63%
Q3: 54.43%
Excellent
In 2024, the financial autonomy of ISOLAVIE (55.2%) 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
0.34 years2023
2022
2023
Q1: 0.0 years
Med: 0.16 years
Q3: 1.22 years
Average
In 2023, the repayment capacity of ISOLAVIE (0.34) 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 261.28. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquidity ratio (2024)
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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
261.283
Liquidity indicators evolution ISOLAVIE
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
Liquidity ratio
175.142
216.678
229.771
236.491
262.443
244.088
253.083
269.367
253.431
261.283
Interest coverage
1.46
0.605
0.265
0.065
0.185
None
None
0.122
0.48
None
Sector positioning
Liquidity ratio
261.282024
2022
2023
2024
Q1: 139.62
Med: 199.69
Q3: 307.67
Good-8 pts over 3 years
In 2024, the liquidity ratio of ISOLAVIE (261.28) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
Interest coverage
0.48x2023
2022
2023
Q1: 0.0x
Med: 0.18x
Q3: 2.35x
Good+13 pts over 2 years
In 2023, the interest coverage of ISOLAVIE (0.5x) 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.
Operating WCR (2024)
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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
0 €
Customer credit (2024)
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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
0 j
Supplier credit (2024)
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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
0 j
Inventory turnover (2024)
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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 and payment terms evolution ISOLAVIE
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
Operating WCR
90 196 €
-3 361 €
73 186 €
162 094 €
40 044 €
0 €
0 €
295 327 €
492 250 €
0 €
Inventory turnover (days)
1
3
7
2
0
0
0
3
2
0
Customer payment term (days)
43
20
41
61
31
0
0
41
48
0
Supplier payment term (days)
63
37
48
47
34
0
0
33
41
0
Positioning of ISOLAVIE in its sector
Comparison with sector Travaux d'isolation
Valuation estimate
Based on 58 transactions of similar company sales
(all years),
the value of ISOLAVIE is estimated at
1 524 845 €
(range 768 779€ - 4 444 513€).
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.
Estimated enterprise value2024
58 tx
768k€1524k€4444k€
1 524 845 €Range: 768 779€ - 4 444 513€
NAF 5 all-time
Valuation method used
Net Income Multiple
415 511 €
×
3.7x
=1 524 846 €
Range: 768 780€ - 4 444 513€
Only this financial indicator is available for this company.
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
How is this estimate calculated?
This estimate is based on the analysis of 58 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 (Travaux d'isolation)
Compare ISOLAVIE with other companies in the same sector:
Yes, ISOLAVIE generated a net profit of 416 k€ in 2024.
Where is the headquarters of ISOLAVIE ?
The headquarters of ISOLAVIE is located in SAINTE-LUCE-SUR-LOIRE (44980), in the department Loire-Atlantique.
Where to find the tax return of ISOLAVIE ?
The tax return of ISOLAVIE 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 ISOLAVIE operate?
ISOLAVIE operates in the sector Travaux d'isolation (NAF code 43.29A). See the 'Sector positioning' section above to compare the company with its competitors.
Item evolution
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