SOISSONNAISE D'HABITAT - SAIEM : revenue, balance sheet and financial ratios

SOISSONNAISE D'HABITAT - SAIEM is a French company founded 66 years ago, specialized in the sector Construction d'autres bâtiments. Based in SOISSONS (02200), this company of category PME shows in 2025 a revenue of 4.4 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 - SOISSONNAISE D'HABITAT - SAIEM (SIREN 716080338)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017
Revenue 4 391 315 € 4 335 033 € 3 981 087 € 4 366 712 € 4 048 457 € 3 845 839 € 3 911 522 € 3 849 973 € 3 833 460 €
Net income 712 555 € 689 046 € 441 268 € 773 509 € 712 869 € 501 157 € 526 306 € 479 782 € 517 867 €
EBITDA 1 106 730 € 1 140 023 € 744 587 € 1 382 318 € 1 490 478 € 1 523 051 € 1 361 655 € 1 475 678 € 1 514 688 €
Net margin 16.2% 15.9% 11.1% 17.7% 17.6% 13.0% 13.5% 12.5% 13.5%

Revenue and income statement

In 2025, SOISSONNAISE D'HABITAT - SAIEM achieves revenue of 4.4 M€. Revenue is growing positively over 9 years (CAGR: +1.7%). Vs 2024: +1%. After deducting consumption (0 €), gross margin stands at 4.4 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 1.1 M€, representing 25.2% 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 713 k€, i.e. 16.2% of revenue. This profit can be retained or distributed to shareholders.

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

4 391 315 €

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

4 391 315 €

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

1 106 730 €

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

875 129 €

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

712 555 €

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

25.2%

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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 22%. 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 69%. 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 2.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 20.6% 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 (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

21.65%

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

68.767%

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

20.555%

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

2.08

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

15.2%

Solvency indicators evolution
SOISSONNAISE D'HABITAT - SAIEM

Sector positioning

Debt ratio
21.65 2025
2023
2024
2025
Q1: 1.62
Med: 14.61
Q3: 47.6
Average

In 2025, the debt ratio of SOISSONNAISE D'HABITAT - ... (21.65) 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
68.77% 2025
2023
2024
2025
Q1: 15.47%
Med: 35.44%
Q3: 55.04%
Excellent +6 pts over 3 years

In 2025, the financial autonomy of SOISSONNAISE D'HABITAT - ... (68.8%) 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
2.08 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 0.17 years
Q3: 1.28 years
Watch

In 2025, the repayment capacity of SOISSONNAISE D'HABITAT - ... (2.08) 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 1048.61. 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 7.5x. Operating income very largely covers interest expenses: high safety margin.

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

1048.611

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

7.453

Liquidity indicators evolution
SOISSONNAISE D'HABITAT - SAIEM

Sector positioning

Liquidity ratio
1048.61 2025
2023
2024
2025
Q1: 139.47
Med: 192.4
Q3: 278.8
Excellent

In 2025, the liquidity ratio of SOISSONNAISE D'HABITAT - ... (1048.61) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
7.45x 2025
2023
2024
2025
Q1: 0.0x
Med: 0.52x
Q3: 4.11x
Excellent

In 2025, the interest coverage of SOISSONNAISE D'HABITAT - ... (7.5x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.

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: 19 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 48 days. Favorable situation: supplier credit is longer than customer credit by 29 days. WCR is negative (-33 days): operations structurally generate cash.

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

-407 734 €

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

19 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

48 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

0 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

-33 j

WCR and payment terms evolution
SOISSONNAISE D'HABITAT - SAIEM

Positioning of SOISSONNAISE D'HABITAT - SAIEM in its sector

Comparison with sector Construction d'autres bâtiments

Valuation estimate

Based on 113 transactions of similar company sales (all years), the value of SOISSONNAISE D'HABITAT - SAIEM is estimated at 2 517 520 € (range 981 589€ - 4 501 142€). With an EBITDA of 1 106 730€, the sector multiple of 3.6x is applied. The price/revenue ratio is 0.11x (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 2025
113 transactions
981k€ 2517k€ 4501k€
2 517 520 € Range: 981 589€ - 4 501 142€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
1 106 730 € × 3.6x
Estimation 4 037 613 €
1 521 566€ - 5 584 034€
Revenue Multiple 30%
4 391 315 € × 0.11x
Estimation 483 204 €
336 275€ - 1 894 556€
Net Income Multiple 20%
712 555 € × 2.5x
Estimation 1 768 764 €
599 622€ - 5 703 796€
How is this estimate calculated?

This estimate is based on the analysis of 113 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 (Construction d'autres bâtiments)

Compare SOISSONNAISE D'HABITAT - SAIEM with other companies in the same sector:

Voir toutes les statistiques du secteur Construction d'autres bâtiments

Frequently asked questions about SOISSONNAISE D'HABITAT - SAIEM

What is the revenue of SOISSONNAISE D'HABITAT - SAIEM ?

The revenue of SOISSONNAISE D'HABITAT - SAIEM in 2025 is 4.4 M€.

Is SOISSONNAISE D'HABITAT - SAIEM profitable?

Yes, SOISSONNAISE D'HABITAT - SAIEM generated a net profit of 713 k€ in 2025.

Where is the headquarters of SOISSONNAISE D'HABITAT - SAIEM ?

The headquarters of SOISSONNAISE D'HABITAT - SAIEM is located in SOISSONS (02200), in the department Aisne.

Where to find the tax return of SOISSONNAISE D'HABITAT - SAIEM ?

The tax return of SOISSONNAISE D'HABITAT - SAIEM 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 SOISSONNAISE D'HABITAT - SAIEM operate?

SOISSONNAISE D'HABITAT - SAIEM operates in the sector Construction d'autres bâtiments (NAF code 41.20B). See the 'Sector positioning' section above to compare the company with its competitors.