SIREN : 433727138
NORD LOIRE TRANSACTIONS is a French company founded 25 years ago, specialized in the sector Agences immobilières. Based in LA CHAPELLE-SUR-ERDRE (44240), this company of category PME shows in 2022 a revenue of 827 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
| Indicator | 2022 | 2021 | 2020 | 2019 | 2018 | 2016 |
|---|---|---|---|---|---|---|
| Revenue | 827 076 € | 765 463 € | N/C | 988 410 € | 889 477 € | 1 076 829 € |
| Net income | 44 219 € | -75 174 € | 51 031 € | 58 897 € | 34 581 € | 130 883 € |
| EBITDA | 59 511 € | -70 757 € | N/C | 76 831 € | 47 484 € | 188 349 € |
| Net margin | 5.3% | -9.8% | N/C | 6.0% | 3.9% | 12.2% |
In 2022, NORD LOIRE TRANSACTIONS achieves revenue of 827 k€. Activity remains stable over the period (CAGR: -4.3%). Vs 2021: +8%. After deducting consumption (0 €), gross margin stands at 827 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 60 k€, representing 7.2% of revenue. Positive scissor effect: EBITDA margin improves by +16.4 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 44 k€, i.e. 5.3% of revenue. This profit can be retained or distributed to shareholders.
827 076 €
827 076 €
59 511 €
47 815 €
44 219 €
7.2%
The debt ratio (= Financial debt / Equity x 100) stands at 218%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 22%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 4.5 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 7.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
217.599%
22.437%
7.081%
4.462
In 2022, the debt ratio of NORD LOIRE TRANSACTIONS (217.60) 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 2022, the financial autonomy of NORD LOIRE TRANSACTIONS (22.4%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2022, the repayment capacity of NORD LOIRE TRANSACTIONS (4.46) 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 0.00. Alert: short-term debt exceeds current assets. Risk of payment difficulties without cash reinforcement. The interest coverage ratio (= EBIT / Interest expenses) is 1.9x. Coverage is limited: any activity downturn would jeopardize interest payments.
0.0
1.936
In 2022, the liquidity ratio of NORD LOIRE TRANSACTIONS (0.00) 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 2022, the interest coverage of NORD LOIRE TRANSACTIONS (1.9x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 56 days. Excellent situation: suppliers finance 56 days of the operating cycle (retail model). WCR is negative (-24 days): operations structurally generate cash. Over 2016-2022, WCR increased by +83%, requiring additional financing.
-54 686 €
0 j
56 j
0 j
-24 j
Based on 98 transactions of similar company sales
in 2022,
the value of NORD LOIRE TRANSACTIONS is estimated at
117 437 €
(range 68 953€ - 258 989€).
With an EBITDA of 59 511€, the sector multiple of 0.8x is applied.
The price/revenue ratio is 0.30x
(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 98 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 NORD LOIRE TRANSACTIONS with other companies in the same sector:
Voir toutes les statistiques du secteur Agences immobilières
The revenue of NORD LOIRE TRANSACTIONS in 2022 is 827 k€.
Yes, NORD LOIRE TRANSACTIONS generated a net profit of 44 k€ in 2022.
The headquarters of NORD LOIRE TRANSACTIONS is located in LA CHAPELLE-SUR-ERDRE (44240), in the department Loire-Atlantique.
The tax return of NORD LOIRE TRANSACTIONS 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).
NORD LOIRE TRANSACTIONS operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.