R.C.L.H. REGION CENTRE LOIRE HABITAT : revenue, balance sheet and financial ratios

R.C.L.H. REGION CENTRE LOIRE HABITAT is a French company founded 14 years ago, specialized in the sector Travaux d'isolation. Based in SELLES-SUR-CHER (41130), this company of category ETI shows in 2025 a revenue of 1.9 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 - R.C.L.H. REGION CENTRE LOIRE HABITAT (SIREN 750596868)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017
Revenue 1 889 313 € 2 498 336 € 2 352 185 € 2 008 065 € 1 820 133 € 2 391 674 € 2 823 773 € 2 588 700 € 2 372 904 €
Net income 15 341 € 231 657 € 241 184 € -213 868 € -51 581 € -211 155 € 234 932 € 173 964 € 186 047 €
EBITDA 131 491 € 355 078 € 356 247 € -100 823 € 62 019 € -63 890 € 512 110 € 370 869 € 427 785 €
Net margin 0.8% 9.3% 10.3% -10.7% -2.8% -8.8% 8.3% 6.7% 7.8%

Revenue and income statement

En 2025, R.C.L.H. REGION CENTRE LOIRE HABITAT alcanza unos ingresos de 1.9 M€. La actividad permanece estable durante el período (TCAC: -2.8%). Caída significativa de -24% vs 2024. Tras deducir el consumo (238 k€), el margen bruto se sitúa en 1.7 M€, es decir, una tasa del 87%. El EBITDA alcanza 131 k€, representando el 7.0% de los ingresos. Advertencia efecto tijera negativo: a pesar del cambio en ingresos (-24%), el EBITDA varía en -63%, reduciendo el margen en 7.3 puntos. El margen operativo sigue siendo frágil, requiriendo vigilancia de costes. El resultado neto asciende a 15 k€, es decir, el 0.8% de los ingresos.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

1 889 313 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

1 650 967 €

EBITDA (2025) ?
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

131 491 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

34 902 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

15 341 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

6.9%

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

El ratio de endeudamiento (= Deuda financiera / Fondos propios x 100) se sitúa en 20%. Este nivel muy bajo refleja una estructura financiera sólida. La autonomía financiera (= Fondos propios / Total activo x 100) alcanza el 53%. Esta alta autonomía significa que la empresa financia la mayoría de sus activos con fondos propios. La capacidad de reembolso indica que se necesitarían 7.0 años de flujo de caja. Este ratio permanece dentro de los estándares bancarios habituales. El flujo de caja representa el 0.5% de los ingresos.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

19.86%

Financial autonomy (2025) ?
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

53.057%

Cash flow / Revenue (2025) ?
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

0.498%

Repayment capacity (2025) ?
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

6.994

Asset age ratio (2025) ?
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

22.0%

Solvency indicators evolution
R.C.L.H. REGION CENTRE LOIRE HABITAT

Sector positioning

Ratio de endeudamiento
19.86 2025
2023
2024
2025
Q1: 2.91
Med: 14.22
Q3: 41.09
Average -20 pts over 3 years

En 2025, el ratio de endeudamiento de R.C.L.H. REGION CENTRE LO... (19.86) se sitúa por encima de la mediana del sector. Este ratio mide el peso de la deuda en relación con el patrimonio. Un esfuerzo de reducción podría mejorar la solidez financiera.

Autonomía financiera
53.06% 2025
2023
2024
2025
Q1: 21.74%
Med: 39.91%
Q3: 59.98%
Bueno +10 pts over 3 years

En 2025, el autonomía financiera de R.C.L.H. REGION CENTRE LO... (53.1%) se sitúa por encima de la mediana del sector. Este ratio representa la parte del patrimonio en la financiación total. Esta posición cómoda ofrece un margen de seguridad apreciable.

Capacidad de reembolso
6.99 ans 2025
2023
2024
2025
Q1: 0.0 ans
Med: 0.39 ans
Q3: 1.22 ans
Vigilar +13 pts over 3 years

En 2025, el capacidad de reembolso de R.C.L.H. REGION CENTRE LO... (7.0 ans) se sitúa en el top 25% del sector. Este ratio indica el número de años necesarios para pagar la deuda con flujo de caja. Una duración larga puede señalar deuda pesada relativa a la capacidad de pago.

Liquidity ratios

El ratio de liquidez se sitúa en 301.80. La empresa tiene 2€ de activos líquidos por cada 1€ de deuda a corto plazo. El ratio de cobertura de intereses (= EBIT / Gastos financieros) es de 2.5x. Los gastos financieros están adecuadamente cubiertos por las operaciones.

Liquidity ratio (2025) ?
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

301.795

Interest coverage (2025) ?
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

2.517

Liquidity indicators evolution
R.C.L.H. REGION CENTRE LOIRE HABITAT

Sector positioning

Ratio de liquidez
301.8 2025
2023
2024
2025
Q1: 142.88
Med: 202.08
Q3: 296.57
Excelente

En 2025, el ratio de liquidez de R.C.L.H. REGION CENTRE LO... (301.80) se sitúa en el top 25% del sector. Este ratio mide la capacidad de cubrir deuda a corto plazo con activos corrientes. Un ratio superior a 1 asegura cobertura cómoda de vencimientos a corto plazo.

Cobertura de intereses
2.52x 2025
2023
2024
2025
Q1: 0.02x
Med: 1.06x
Q3: 4.28x
Bueno -8 pts over 3 years

En 2025, el cobertura de intereses de R.C.L.H. REGION CENTRE LO... (2.5x) se sitúa por encima de la mediana del sector. Este ratio indica cuántas veces el resultado operativo cubre los gastos de intereses. Esta posición cómoda ofrece un margen de seguridad apreciable.

Working capital requirement (WCR) and payment terms

El fondo de maniobra operativo (FM) mide el desfase temporal de tesorería. Plazo medio de cobro a clientes: 34 días. Plazo proveedores: 20 días. La empresa debe financiar 14 días de desfase. La rotación de existencias es de 12 días. Rotación rápida, señal de buena gestión de existencias. El FM representa 21 días de ingresos. En 2017-2025, el FM aumentó en +626%.

Operating WCR (2025) ?
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

111 583 €

Customer credit (2025) ?
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

34 j

Supplier credit (2025) ?
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

20 j

Inventory turnover (2025) ?
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

12 j

WCR in days of revenue (2025) ?
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

21 j

WCR and payment terms evolution
R.C.L.H. REGION CENTRE LOIRE HABITAT

Positioning of R.C.L.H. REGION CENTRE LOIRE HABITAT in its sector

Comparison with sector Travaux d'isolation

Valuation estimate

Based on 58 transactions of similar company sales (all years), the value of R.C.L.H. REGION CENTRE LOIRE HABITAT is estimated at 207 821 € (range 145 641€ - 390 297€). With an EBITDA of 131 491€, the sector multiple of 1.2x is applied. The price/revenue ratio is 0.20x (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.

Estimated enterprise value 2025
58 tx
145k€ 207k€ 390k€
207 821 € Range: 145 641€ - 390 297€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
131 491 € × 1.2x
Estimation 162 238 €
131 383€ - 372 039€
Revenue Multiple 30%
1 889 313 € × 0.20x
Estimation 384 808 €
247 578€ - 571 529€
Net Income Multiple 20%
15 341 € × 3.7x
Estimation 56 299 €
28 384€ - 164 095€

Valuation evolution

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 R.C.L.H. REGION CENTRE LOIRE HABITAT with other companies in the same sector:

Voir toutes les statistiques du secteur Travaux d'isolation

Frequently asked questions about R.C.L.H. REGION CENTRE LOIRE HABITAT

What is the revenue of R.C.L.H. REGION CENTRE LOIRE HABITAT ?

The revenue of R.C.L.H. REGION CENTRE LOIRE HABITAT in 2025 is 1.9 M€.

Is R.C.L.H. REGION CENTRE LOIRE HABITAT profitable?

Yes, R.C.L.H. REGION CENTRE LOIRE HABITAT generated a net profit of 15 k€ in 2025.

Where is the headquarters of R.C.L.H. REGION CENTRE LOIRE HABITAT ?

The headquarters of R.C.L.H. REGION CENTRE LOIRE HABITAT is located in SELLES-SUR-CHER (41130), in the department Loir-et-Cher.

Where to find the tax return of R.C.L.H. REGION CENTRE LOIRE HABITAT ?

The tax return of R.C.L.H. REGION CENTRE LOIRE HABITAT 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 R.C.L.H. REGION CENTRE LOIRE HABITAT operate?

R.C.L.H. REGION CENTRE LOIRE HABITAT operates in the sector Travaux d'isolation (NAF code 43.29A). See the 'Sector positioning' section above to compare the company with its competitors.