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OFFICE PUBLIC DE L 'HABITAT - OPAC DE L'OISE : revenue, balance sheet and financial ratios

OFFICE PUBLIC DE L 'HABITAT - OPAC DE L'OISE is a French company founded 40 years ago, specialized in the sector Location de logements. Based in BEAUVAIS (60000), this company of category ETI shows in 2017 a revenue of 165.8 M€. 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 - OFFICE PUBLIC DE L 'HABITAT - OPAC DE L'OISE (SIREN 780503918)
Indicator 2017 2016
Revenue 165 807 616 € N/C
Net income 27 318 742 € 26 565 497 €
EBITDA 68 526 657 € -13 957 639 €
Net margin 16.5% N/C

Revenue and income statement

In 2017, OFFICE PUBLIC DE L 'HABITAT - OPAC DE L'OISE achieves revenue of 165.8 M€. After deducting consumption (559 k€), gross margin stands at 165.2 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 68.5 M€, representing 41.3% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 27.3 M€, i.e. 16.5% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2017) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

165 807 616 €

Gross margin (2017) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

165 248 813 €

EBITDA (2017) ?
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

68 526 657 €

EBIT (2017) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

25 875 249 €

Net income (2017) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

27 318 742 €

EBITDA margin (2017) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

41.0%

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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 168%. 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 35%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 13.4 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 33.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2017) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

167.638%

Financial autonomy (2017) ?
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

35.369%

Cash flow / Revenue (2017) ?
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

33.472%

Repayment capacity (2017) ?
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

13.374

Asset age ratio (2017) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

68.6%

Solvency indicators evolution
OFFICE PUBLIC DE L 'HABITAT - OPAC DE L'OISE

Sector positioning

Debt ratio
167.64 2017
2017
Q1: -257.44
Med: 0.0
Q3: 126.83
Average

In 2017, the debt ratio of OFFICE PUBLIC DE L 'HABIT... (167.64) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
35.37% 2017
2016
2017
Q1: 0.59%
Med: 45.13%
Q3: 99.25%
Average +20 pts over 2 years

In 2017, the financial autonomy of OFFICE PUBLIC DE L 'HABIT... (35.4%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
13.37 years 2017
2016
2017
Q1: 0.0 years
Med: 0.87 years
Q3: 19.49 years
Average +42 pts over 2 years

In 2017, the repayment capacity of OFFICE PUBLIC DE L 'HABIT... (13.37) 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 312.32. 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 19.5x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2017) ?
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

312.322

Interest coverage (2017) ?
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

19.492

Liquidity indicators evolution
OFFICE PUBLIC DE L 'HABITAT - OPAC DE L'OISE

Sector positioning

Liquidity ratio
312.32 2017
2017
Q1: 11.99
Med: 134.99
Q3: 798.76
Good

In 2017, the liquidity ratio of OFFICE PUBLIC DE L 'HABIT... (312.32) 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
19.49x 2017
2016
2017
Q1: 0.0x
Med: 1.75x
Q3: 33.99x
Good +39 pts over 2 years

In 2017, the interest coverage of OFFICE PUBLIC DE L 'HABIT... (19.5x) 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. Average customer payment term: 47 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 76 days. Favorable situation: supplier credit is longer than customer credit by 29 days. Inventory turnover is 26 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 65 days of revenue, i.e. 29.8 M€ to permanently finance.

Operating WCR (2017) ?
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

29 815 526 €

Customer credit (2017) ?
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

47 j

Supplier credit (2017) ?
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

76 j

Inventory turnover (2017) ?
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

26 j

WCR in days of revenue (2017) ?
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

65 j

WCR and payment terms evolution
OFFICE PUBLIC DE L 'HABITAT - OPAC DE L'OISE

Positioning of OFFICE PUBLIC DE L 'HABITAT - OPAC DE L'OISE in its sector

Comparison with sector Location de logements

Valuation estimate

Based on 227 transactions of similar company sales in 2017, the value of OFFICE PUBLIC DE L 'HABITAT - OPAC DE L'OISE is estimated at 214 021 498 € (range 70 060 433€ - 419 853 891€). With an EBITDA of 68 526 657€, the sector multiple of 4.4x is applied. The price/revenue ratio is 0.62x (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.

Estimated enterprise value 2017
227 transactions
70060k€ 214021k€ 419853k€
214 021 498 € Range: 70 060 433€ - 419 853 891€
NAF 5 année 2017

Valuation detail by method

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EBITDA Multiple 50%
68 526 657 € × 4.4x
Estimation 304 769 103 €
93 839 815€ - 553 671 383€
Revenue Multiple 30%
165 807 616 € × 0.62x
Estimation 102 005 707 €
37 287 656€ - 233 354 373€
Net Income Multiple 20%
27 318 742 € × 5.7x
Estimation 155 176 174 €
59 771 144€ - 365 059 439€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 227 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 (Location de logements)

Compare OFFICE PUBLIC DE L 'HABITAT - OPAC DE L'OISE with other companies in the same sector:

Voir toutes les statistiques du secteur Location de logements

Frequently asked questions about OFFICE PUBLIC DE L 'HABITAT - OPAC DE L'OISE

What is the revenue of OFFICE PUBLIC DE L 'HABITAT - OPAC DE L'OISE ?

The revenue of OFFICE PUBLIC DE L 'HABITAT - OPAC DE L'OISE in 2017 is 165.8 M€.

Is OFFICE PUBLIC DE L 'HABITAT - OPAC DE L'OISE profitable?

Yes, OFFICE PUBLIC DE L 'HABITAT - OPAC DE L'OISE generated a net profit of 27.3 M€ in 2017.

Where is the headquarters of OFFICE PUBLIC DE L 'HABITAT - OPAC DE L'OISE ?

The headquarters of OFFICE PUBLIC DE L 'HABITAT - OPAC DE L'OISE is located in BEAUVAIS (60000), in the department Oise.

Where to find the tax return of OFFICE PUBLIC DE L 'HABITAT - OPAC DE L'OISE ?

The tax return of OFFICE PUBLIC DE L 'HABITAT - OPAC DE L'OISE 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 OFFICE PUBLIC DE L 'HABITAT - OPAC DE L'OISE operate?

OFFICE PUBLIC DE L 'HABITAT - OPAC DE L'OISE operates in the sector Location de logements (NAF code 68.20A). See the 'Sector positioning' section above to compare the company with its competitors.