SAS SQUARE HABITAT CREDIT AGRICOLE TOURAINE POITOU : revenue, balance sheet and financial ratios

SAS SQUARE HABITAT CREDIT AGRICOLE TOURAINE POITOU is a French company founded 55 years ago, specialized in the sector Agences immobilières. Based in TOURS (37000), this company of category GE shows in 2024 a revenue of 15.3 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 - SAS SQUARE HABITAT CREDIT AGRICOLE TOURAINE POITOU (SIREN 714800729)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017
Revenue 15 306 898 € 15 428 926 € 17 183 527 € 16 908 022 € 14 005 480 € 15 046 310 € 13 465 202 € 12 531 084 €
Net income -223 217 € 508 002 € 1 422 567 € 1 529 281 € 565 031 € 1 012 867 € 908 918 € 459 299 €
EBITDA 101 506 € 607 119 € 2 244 137 € 2 795 270 € 1 059 053 € 1 932 217 € 1 387 547 € 851 134 €
Net margin -1.5% 3.3% 8.3% 9.0% 4.0% 6.7% 6.8% 3.7%

Revenue and income statement

In 2024, SAS SQUARE HABITAT CREDIT AGRICOLE TOURAINE POITOU achieves revenue of 15.3 M€. Revenue is growing positively over 8 years (CAGR: +2.9%). Slight decline of -1% vs 2023. After deducting consumption (0 €), gross margin stands at 15.3 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 102 k€, representing 0.7% of revenue. Warning negative scissor effect: despite revenue change (-1%), EBITDA varies by -83%, reducing margin by 3.3 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -223 k€ (-1.5% 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

15 306 898 €

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

15 306 898 €

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

101 506 €

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

-40 709 €

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

-223 217 €

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

0.7%

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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 0%. 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 31%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 1.6% 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

0.155%

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

31.104%

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

1.552%

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

0.059

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

27.9%

Solvency indicators evolution
SAS SQUARE HABITAT CREDIT AGRICOLE TOURAINE POITOU

Sector positioning

Debt ratio
0.15 2024
2022
2023
2024
Q1: 0.0
Med: 9.94
Q3: 66.37
Good

In 2024, the debt ratio of SAS SQUARE HABITAT CREDIT... (0.15) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
31.1% 2024
2022
2023
2024
Q1: 2.93%
Med: 25.86%
Q3: 59.99%
Good

In 2024, the financial autonomy of SAS SQUARE HABITAT CREDIT... (31.1%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
0.06 years 2024
2022
2023
2024
Q1: -0.06 years
Med: 0.0 years
Q3: 1.48 years
Average +12 pts over 3 years

In 2024, the repayment capacity of SAS SQUARE HABITAT CREDIT... (0.06) 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 120.85. 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 0.4x. Danger: operating income does not cover interest charges, unsustainable situation.

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

120.849

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

0.365

Liquidity indicators evolution
SAS SQUARE HABITAT CREDIT AGRICOLE TOURAINE POITOU

Sector positioning

Liquidity ratio
120.85 2024
2022
2023
2024
Q1: 103.88
Med: 180.17
Q3: 474.31
Average

In 2024, the liquidity ratio of SAS SQUARE HABITAT CREDIT... (120.85) 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.

Interest coverage
0.36x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 1.31x
Good +7 pts over 3 years

In 2024, the interest coverage of SAS SQUARE HABITAT CREDIT... (0.4x) 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: 51 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 27 days. The company must finance 24 days of gap between collections and payments. WCR is negative (-81 days): operations structurally generate cash. Over 2017-2024, WCR increased by +40%, 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

-3 434 409 €

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

51 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

27 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

-81 j

WCR and payment terms evolution
SAS SQUARE HABITAT CREDIT AGRICOLE TOURAINE POITOU

Positioning of SAS SQUARE HABITAT CREDIT AGRICOLE TOURAINE POITOU in its sector

Comparison with sector Agences immobilières

Valuation estimate

Based on 64 transactions of similar company sales in 2024, the value of SAS SQUARE HABITAT CREDIT AGRICOLE TOURAINE POITOU is estimated at 2 081 240 € (range 1 141 045€ - 4 493 129€). With an EBITDA of 101 506€, the sector multiple of 3.1x is applied. The price/revenue ratio is 0.33x (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 2024
64 tx
1141k€ 2081k€ 4493k€
2 081 240 € Range: 1 141 045€ - 4 493 129€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
101 506 € × 3.1x
Estimation 316 134 €
113 898€ - 329 169€
Revenue Multiple 30%
15 306 898 € × 0.33x
Estimation 5 023 085 €
2 852 957€ - 11 433 064€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 64 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 (Agences immobilières)

Compare SAS SQUARE HABITAT CREDIT AGRICOLE TOURAINE POITOU with other companies in the same sector:

Voir toutes les statistiques du secteur Agences immobilières

Frequently asked questions about SAS SQUARE HABITAT CREDIT AGRICOLE TOURAINE POITOU

What is the revenue of SAS SQUARE HABITAT CREDIT AGRICOLE TOURAINE POITOU ?

The revenue of SAS SQUARE HABITAT CREDIT AGRICOLE TOURAINE POITOU in 2024 is 15.3 M€.

Is SAS SQUARE HABITAT CREDIT AGRICOLE TOURAINE POITOU profitable?

SAS SQUARE HABITAT CREDIT AGRICOLE TOURAINE POITOU recorded a net loss in 2024.

Where is the headquarters of SAS SQUARE HABITAT CREDIT AGRICOLE TOURAINE POITOU ?

The headquarters of SAS SQUARE HABITAT CREDIT AGRICOLE TOURAINE POITOU is located in TOURS (37000), in the department Indre-et-Loire.

Where to find the tax return of SAS SQUARE HABITAT CREDIT AGRICOLE TOURAINE POITOU ?

The tax return of SAS SQUARE HABITAT CREDIT AGRICOLE TOURAINE POITOU 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 SAS SQUARE HABITAT CREDIT AGRICOLE TOURAINE POITOU operate?

SAS SQUARE HABITAT CREDIT AGRICOLE TOURAINE POITOU operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.