OCCITANIE PROTECT : revenue, balance sheet and financial ratios

OCCITANIE PROTECT is a French company founded 5 years ago, specialized in the sector Intermédiaires du commerce en textiles, habillement, fourrures, chaussures et articles en cuir. Based in LAVELANET (09300), this company of category ETI shows in 2024 a revenue of 408 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - OCCITANIE PROTECT (SIREN 884115551)
Indicator 2024 2023 2022 2021 2020
Revenue 407 624 € 1 854 366 € 1 902 136 € 5 025 883 € 2 338 298 €
Net income -212 968 € -45 445 € -87 409 € -117 744 € 154 395 €
EBITDA 2 435 € 57 997 € 220 127 € 323 217 € 234 456 €
Net margin -52.2% -2.5% -4.6% -2.3% 6.6%

Revenue and income statement

In 2024, OCCITANIE PROTECT achieves revenue of 408 k€. Revenue is declining over the period 2020-2024 (CAGR: -35.4%). Significant drop of -78% vs 2023. After deducting consumption (373 k€), gross margin stands at 35 k€, i.e. a rate of 9%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 2 k€, representing 0.6% of revenue. Warning negative scissor effect: despite revenue change (-78%), EBITDA varies by -96%, reducing margin by 2.5 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -213 k€ (-52.2% of revenue), which will impact equity.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

407 624 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

34 718 €

EBITDA (2024) ?
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

2 435 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-97 717 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-212 968 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

0.6%

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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 -705%. 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 -16%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

-705.019%

Financial autonomy (2024) ?
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

-16.134%

Cash flow / Revenue (2024) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

-27.714%

Repayment capacity (2024) ?
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

-19.232

Solvency indicators evolution
OCCITANIE PROTECT

Sector positioning

Debt ratio
-705.02 2024
2022
2023
2024
Q1: 0.0
Med: 10.53
Q3: 39.43
Excellent +9 pts over 3 years

In 2024, the debt ratio of OCCITANIE PROTECT (-705.02) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
-16.13% 2024
2022
2023
2024
Q1: 8.05%
Med: 46.66%
Q3: 76.15%
Watch

In 2024, the financial autonomy of OCCITANIE PROTECT (-16.1%) ranks in the bottom 25% of the sector. This ratio represents the share of equity in total financing. Low autonomy may limit investment capacity and increase vulnerability.

Repayment capacity
-19.23 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 1.65 years
Excellent -55 pts over 3 years

In 2024, the repayment capacity of OCCITANIE PROTECT (-19.23) 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

The liquidity ratio (= Current assets / Current liabilities) stands at 4174.52. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 5033.3x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2024) ?
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

4174.52

Interest coverage (2024) ?
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

5033.347

Liquidity indicators evolution
OCCITANIE PROTECT

Sector positioning

Liquidity ratio
4174.52 2024
2022
2023
2024
Q1: 133.89
Med: 343.88
Q3: 635.03
Excellent +7 pts over 3 years

In 2024, the liquidity ratio of OCCITANIE PROTECT (4174.52) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
5033.35x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.62x
Excellent +22 pts over 3 years

In 2024, the interest coverage of OCCITANIE PROTECT (5033.4x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 66 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 72 days. Favorable situation: supplier credit is longer than customer credit by 6 days. Inventory turnover is 1926 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 1580 days of revenue, i.e. 1.8 M€ to permanently finance. Notable WCR improvement over the period (-74%), freeing up cash.

Operating WCR (2024) ?
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

1 788 503 €

Customer credit (2024) ?
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

66 j

Supplier credit (2024) ?
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

72 j

Inventory turnover (2024) ?
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

1926 j

WCR in days of revenue (2024) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

1580 j

WCR and payment terms evolution
OCCITANIE PROTECT

Positioning of OCCITANIE PROTECT in its sector

Comparison with sector Intermédiaires du commerce en textiles, habillement, fourrures, chaussures et articles en cuir

Valuation estimate

Based on 229 transactions of similar company sales (all years), the value of OCCITANIE PROTECT is estimated at 52 042 € (range 24 049€ - 129 485€). With an EBITDA of 2 435€, the sector multiple of 1.6x is applied. The price/revenue ratio is 0.32x (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.

Estimated enterprise value 2024
229 transactions
24k€ 52k€ 129k€
52 042 € Range: 24 049€ - 129 485€
NAF 4 all-time Aggregated at NAF sub-class level

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
2 435 € × 1.6x
Estimation 3 956 €
1 291€ - 13 132€
Revenue Multiple 30%
407 624 € × 0.32x
Estimation 132 187 €
61 981€ - 323 407€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 229 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 (Intermédiaires du commerce en textiles, habillement, fourrures, chaussures et articles en cuir)

Compare OCCITANIE PROTECT with other companies in the same sector:

Voir toutes les statistiques du secteur Intermédiaires du commerce en textiles, habillement, fourrures, chaussures et articles en cuir

Frequently asked questions about OCCITANIE PROTECT

What is the revenue of OCCITANIE PROTECT ?

The revenue of OCCITANIE PROTECT in 2024 is 408 k€.

Is OCCITANIE PROTECT profitable?

OCCITANIE PROTECT recorded a net loss in 2024.

Where is the headquarters of OCCITANIE PROTECT ?

The headquarters of OCCITANIE PROTECT is located in LAVELANET (09300), in the department Ariege.

Where to find the tax return of OCCITANIE PROTECT ?

The tax return of OCCITANIE PROTECT 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 OCCITANIE PROTECT operate?

OCCITANIE PROTECT operates in the sector Intermédiaires du commerce en textiles, habillement, fourrures, chaussures et articles en cuir (NAF code 46.16Z). See the 'Sector positioning' section above to compare the company with its competitors.