SOCIETE ANONYME D'HABITATIONS A LOYER MODERE ELBEUF BOUCLES DE SEINE HABITAT : revenue, balance sheet and financial ratios

SOCIETE ANONYME D'HABITATIONS A LOYER MODERE ELBEUF BOUCLES DE SEINE HABITAT is a French company founded 69 years ago, specialized in the sector Location de logements. Based in ELBEUF (76500), this company of category PME shows in 2017 a revenue of 20.3 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 - SOCIETE ANONYME D'HABITATIONS A LOYER MODERE ELBEUF BOUCLES DE SEINE HABITAT (SIREN 085750818)
Indicator 2017 2016
Revenue 20 254 612 € 20 569 859 €
Net income 932 169 € 475 151 €
EBITDA 9 183 108 € 9 240 566 €
Net margin 4.6% 2.3%

Revenue and income statement

In 2017, SOCIETE ANONYME D'HABITATIONS A LOYER MODERE ELBEUF BOUCLES DE SEINE HABITAT achieves revenue of 20.3 M€. Slight decline of -2% vs 2016. After deducting consumption (104 k€), gross margin stands at 20.2 M€, i.e. a rate of 99%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 9.2 M€, representing 45.3% 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 932 k€, i.e. 4.6% 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

20 254 612 €

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

20 150 352 €

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

9 183 108 €

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

1 892 425 €

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

932 169 €

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

45.3%

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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 409%. 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 19%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 26.2 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 34.1% 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

409.453%

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

18.951%

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

34.056%

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

26.206

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

68.2%

Solvency indicators evolution
SOCIETE ANONYME D'HABITATIONS A LOYER MODERE ELBEUF BOUCLES DE SEINE HABITAT

Sector positioning

Debt ratio
409.45 2017
2016
2017
Q1: -257.44
Med: 0.0
Q3: 126.83
Average

In 2017, the debt ratio of SOCIETE ANONYME D'HABITAT... (409.45) 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
18.95% 2017
2016
2017
Q1: 0.59%
Med: 45.13%
Q3: 99.25%
Average

In 2017, the financial autonomy of SOCIETE ANONYME D'HABITAT... (18.9%) 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
26.21 years 2017
2016
2017
Q1: 0.0 years
Med: 0.87 years
Q3: 19.49 years
Average

In 2017, the repayment capacity of SOCIETE ANONYME D'HABITAT... (26.21) 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 249.20. 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 28.9x. 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

249.203

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

28.859

Liquidity indicators evolution
SOCIETE ANONYME D'HABITATIONS A LOYER MODERE ELBEUF BOUCLES DE SEINE HABITAT

Sector positioning

Liquidity ratio
249.2 2017
2016
2017
Q1: 11.99
Med: 134.99
Q3: 798.76
Good

In 2017, the liquidity ratio of SOCIETE ANONYME D'HABITAT... (249.20) 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
28.86x 2017
2016
2017
Q1: 0.0x
Med: 1.75x
Q3: 33.99x
Good

In 2017, the interest coverage of SOCIETE ANONYME D'HABITAT... (28.9x) 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: 50 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 71 days. Favorable situation: supplier credit is longer than customer credit by 21 days. Inventory turnover is 14 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. WCR is negative (-6 days): operations structurally generate cash.

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

-340 683 €

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

50 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

71 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

14 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

-6 j

WCR and payment terms evolution
SOCIETE ANONYME D'HABITATIONS A LOYER MODERE ELBEUF BOUCLES DE SEINE HABITAT

Positioning of SOCIETE ANONYME D'HABITATIONS A LOYER MODERE ELBEUF BOUCLES DE SEINE HABITAT in its sector

Comparison with sector Location de logements

Valuation estimate

Based on 227 transactions of similar company sales in 2017, the value of SOCIETE ANONYME D'HABITATIONS A LOYER MODERE ELBEUF BOUCLES DE SEINE HABITAT is estimated at 25 217 927 € (range 8 062 024€ - 48 141 239€). With an EBITDA of 9 183 108€, 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
8062k€ 25217k€ 48141k€
25 217 927 € Range: 8 062 024€ - 48 141 239€
NAF 5 année 2017

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
9 183 108 € × 4.4x
Estimation 40 841 444 €
12 575 269€ - 74 196 296€
Revenue Multiple 30%
20 254 612 € × 0.62x
Estimation 12 460 743 €
4 554 960€ - 28 505 942€
Net Income Multiple 20%
932 169 € × 5.7x
Estimation 5 294 915 €
2 039 509€ - 12 456 543€

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 SOCIETE ANONYME D'HABITATIONS A LOYER MODERE ELBEUF BOUCLES DE SEINE HABITAT with other companies in the same sector:

Voir toutes les statistiques du secteur Location de logements

Frequently asked questions about SOCIETE ANONYME D'HABITATIONS A LOYER MODERE ELBEUF BOUCLES DE SEINE HABITAT

What is the revenue of SOCIETE ANONYME D'HABITATIONS A LOYER MODERE ELBEUF BOUCLES DE SEINE HABITAT ?

The revenue of SOCIETE ANONYME D'HABITATIONS A LOYER MODERE ELBEUF BOUCLES DE SEINE HABITAT in 2017 is 20.3 M€.

Is SOCIETE ANONYME D'HABITATIONS A LOYER MODERE ELBEUF BOUCLES DE SEINE HABITAT profitable?

Yes, SOCIETE ANONYME D'HABITATIONS A LOYER MODERE ELBEUF BOUCLES DE SEINE HABITAT generated a net profit of 932 k€ in 2017.

Where is the headquarters of SOCIETE ANONYME D'HABITATIONS A LOYER MODERE ELBEUF BOUCLES DE SEINE HABITAT ?

The headquarters of SOCIETE ANONYME D'HABITATIONS A LOYER MODERE ELBEUF BOUCLES DE SEINE HABITAT is located in ELBEUF (76500), in the department Seine-Maritime.

Where to find the tax return of SOCIETE ANONYME D'HABITATIONS A LOYER MODERE ELBEUF BOUCLES DE SEINE HABITAT ?

The tax return of SOCIETE ANONYME D'HABITATIONS A LOYER MODERE ELBEUF BOUCLES DE SEINE 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 SOCIETE ANONYME D'HABITATIONS A LOYER MODERE ELBEUF BOUCLES DE SEINE HABITAT operate?

SOCIETE ANONYME D'HABITATIONS A LOYER MODERE ELBEUF BOUCLES DE SEINE HABITAT operates in the sector Location de logements (NAF code 68.20A). See the 'Sector positioning' section above to compare the company with its competitors.