SA COOPERATIVE D'INTERET COLLECTIF POURL'ACCESSION A LA PROPRIETE DE ST-NAZAIREET DE LA REGION DES PAYS DE LA LOIRE : revenue, balance sheet and financial ratios

SA COOPERATIVE D'INTERET COLLECTIF POURL'ACCESSION A LA PROPRIETE DE ST-NAZAIREET DE LA REGION DES PAYS DE LA LOIRE is a French company founded 68 years ago, specialized in the sector Autre mise à disposition de ressources humaines. Based in TRIGNAC (44570), this company of category ETI shows in 2024 a revenue of 2.6 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

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

Financial history - SA COOPERATIVE D'INTERET COLLECTIF POURL'ACCESSION A LA PROPRIETE DE ST-NAZAIREET DE LA REGION DES PAYS DE LA LOIRE (SIREN 005880679)
Indicator 2024 2023 2020 2019 2018 2017 2016
Revenue 2 632 564 € 2 906 021 € 2 230 999 € 2 627 588 € 2 570 188 € 713 317 € 689 504 €
Net income -72 562 € 68 311 € -1 271 999 € -145 449 € -256 200 € 84 189 € -389 475 €
EBITDA -190 757 € -253 018 € -377 675 € -299 593 € -427 992 € -594 404 € -408 225 €
Net margin -2.8% 2.4% -57.0% -5.5% -10.0% 11.8% -56.5%

Revenue and income statement

In 2024, SA COOPERATIVE D'INTERET COLLECTIF POURL'ACCESSION A LA PROPRIETE DE ST-NAZAIREET DE LA REGION DES PAYS DE LA LOIRE achieves revenue of 2.6 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +18.2%. Slight decline of -9% vs 2023. After deducting consumption (0 €), gross margin stands at 2.6 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 -191 k€, representing -7.2% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -73 k€ (-2.8% 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

2 632 564 €

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

2 632 564 €

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

-190 757 €

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

-294 739 €

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

-72 562 €

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

-7.2%

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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 20%. 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 71%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 89.5 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 1.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

20.342%

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

71.073%

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

0.973%

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

89.529

Asset age ratio (2024) ?
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

50.1%

Solvency indicators evolution
SA COOPERATIVE D'INTERET COLLECTIF POURL'ACCESSION A LA PROPRIETE DE ST-NAZAIREET DE LA REGION DES PAYS DE LA LOIRE

Sector positioning

Debt ratio
20.34 2024
2020
2023
2024
Q1: 0.0
Med: 2.38
Q3: 53.45
Average +32 pts over 3 years

In 2024, the debt ratio of SA COOPERATIVE D'INTERET ... (20.34) 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
71.07% 2024
2020
2023
2024
Q1: 4.2%
Med: 31.33%
Q3: 59.89%
Excellent +6 pts over 3 years

In 2024, the financial autonomy of SA COOPERATIVE D'INTERET ... (71.1%) 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
89.53 years 2024
2020
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.8 years
Watch +22 pts over 3 years

In 2024, the repayment capacity of SA COOPERATIVE D'INTERET ... (89.53) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 342.43. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

342.428

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

-37.278

Liquidity indicators evolution
SA COOPERATIVE D'INTERET COLLECTIF POURL'ACCESSION A LA PROPRIETE DE ST-NAZAIREET DE LA REGION DES PAYS DE LA LOIRE

Sector positioning

Liquidity ratio
342.43 2024
2020
2023
2024
Q1: 113.91
Med: 175.06
Q3: 363.72
Good +9 pts over 3 years

In 2024, the liquidity ratio of SA COOPERATIVE D'INTERET ... (342.43) 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
-37.28x 2024
2020
2023
2024
Q1: -0.0x
Med: 0.0x
Q3: 1.9x
Watch

In 2024, the interest coverage of SA COOPERATIVE D'INTERET ... (-37.3x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.

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: 35 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 112 days. Excellent situation: suppliers finance 77 days of the operating cycle (retail model). Overall, WCR represents 774 days of revenue, i.e. 5.7 M€ to permanently finance. Over 2016-2024, WCR increased by +221%, requiring additional financing.

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

5 657 591 €

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

35 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

112 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

0 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

774 j

WCR and payment terms evolution
SA COOPERATIVE D'INTERET COLLECTIF POURL'ACCESSION A LA PROPRIETE DE ST-NAZAIREET DE LA REGION DES PAYS DE LA LOIRE

Positioning of SA COOPERATIVE D'INTERET COLLECTIF POURL'ACCESSION A LA PROPRIETE DE ST-NAZAIREET DE LA REGION DES PAYS DE LA LOIRE in its sector

Comparison with sector Autre mise à disposition de ressources humaines

Valuation estimate

Based on 147 transactions of similar company sales (all years), the value of SA COOPERATIVE D'INTERET COLLECTIF POURL'ACCESSION A LA PROPRIETE DE ST-NAZAIREET DE LA REGION DES PAYS DE LA LOIRE is estimated at 210 795 € (range 158 959€ - 362 073€). The price/revenue ratio is 0.08x (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
147 transactions
158k€ 210k€ 362k€
210 795 € Range: 158 959€ - 362 073€
Section all-time Aggregated at NAF section level

Valuation method used

Revenue Multiple
2 632 564 € × 0.08x = 210 796 €
Range: 158 960€ - 362 073€

Only this financial indicator is available for this company.

How is this estimate calculated?

This estimate is based on the analysis of 147 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 (Autre mise à disposition de ressources humaines)

Compare SA COOPERATIVE D'INTERET COLLECTIF POURL'ACCESSION A LA PROPRIETE DE ST-NAZAIREET DE LA REGION DES PAYS DE LA LOIRE with other companies in the same sector:

Voir toutes les statistiques du secteur Autre mise à disposition de ressources humaines

Frequently asked questions about SA COOPERATIVE D'INTERET COLLECTIF POURL'ACCESSION A LA PROPRIETE DE ST-NAZAIREET DE LA REGION DES PAYS DE LA LOIRE

What is the revenue of SA COOPERATIVE D'INTERET COLLECTIF POURL'ACCESSION A LA PROPRIETE DE ST-NAZAIREET DE LA REGION DES PAYS DE LA LOIRE ?

The revenue of SA COOPERATIVE D'INTERET COLLECTIF POURL'ACCESSION A LA PROPRIETE DE ST-NAZAIREET DE LA REGION DES PAYS DE LA LOIRE in 2024 is 2.6 M€.

Is SA COOPERATIVE D'INTERET COLLECTIF POURL'ACCESSION A LA PROPRIETE DE ST-NAZAIREET DE LA REGION DES PAYS DE LA LOIRE profitable?

SA COOPERATIVE D'INTERET COLLECTIF POURL'ACCESSION A LA PROPRIETE DE ST-NAZAIREET DE LA REGION DES PAYS DE LA LOIRE recorded a net loss in 2024.

Where is the headquarters of SA COOPERATIVE D'INTERET COLLECTIF POURL'ACCESSION A LA PROPRIETE DE ST-NAZAIREET DE LA REGION DES PAYS DE LA LOIRE ?

The headquarters of SA COOPERATIVE D'INTERET COLLECTIF POURL'ACCESSION A LA PROPRIETE DE ST-NAZAIREET DE LA REGION DES PAYS DE LA LOIRE is located in TRIGNAC (44570), in the department Loire-Atlantique.

Where to find the tax return of SA COOPERATIVE D'INTERET COLLECTIF POURL'ACCESSION A LA PROPRIETE DE ST-NAZAIREET DE LA REGION DES PAYS DE LA LOIRE ?

The tax return of SA COOPERATIVE D'INTERET COLLECTIF POURL'ACCESSION A LA PROPRIETE DE ST-NAZAIREET DE LA REGION DES PAYS DE LA LOIRE 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 SA COOPERATIVE D'INTERET COLLECTIF POURL'ACCESSION A LA PROPRIETE DE ST-NAZAIREET DE LA REGION DES PAYS DE LA LOIRE operate?

SA COOPERATIVE D'INTERET COLLECTIF POURL'ACCESSION A LA PROPRIETE DE ST-NAZAIREET DE LA REGION DES PAYS DE LA LOIRE operates in the sector Autre mise à disposition de ressources humaines (NAF code 78.30Z). See the 'Sector positioning' section above to compare the company with its competitors.