SIREN : 804546760
TERRALOIRE is a French company founded 11 years ago, specialized in the sector Promotion immobilière de logements. Based in VANNES (56000), this company of category PME shows in 2023 a revenue of 2.3 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
| Indicator | 2023 | 2022 | 2021 | 2019 |
|---|---|---|---|---|
| Revenue | 2 315 116 € | 2 357 991 € | 1 836 064 € | 1 091 255 € |
| Net income | -54 914 € | 459 783 € | 413 809 € | 126 034 € |
| EBITDA | -40 221 € | 562 824 € | 226 684 € | 278 801 € |
| Net margin | -2.4% | 19.5% | 22.5% | 11.5% |
In 2023, TERRALOIRE achieves revenue of 2.3 M€. Over the period 2019-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +20.7%. Slight decline of -2% vs 2022. After deducting consumption (976 k€), gross margin stands at 1.3 M€, i.e. a rate of 58%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -40 k€, representing -1.7% of revenue. Warning negative scissor effect: despite revenue change (-2%), EBITDA varies by -107%, reducing margin by 25.6 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -55 k€ (-2.4% of revenue), which will impact equity.
2 315 116 €
1 339 607 €
-40 221 €
103 665 €
-54 914 €
-1.7%
The debt ratio (= Financial debt / Equity x 100) stands at 110%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 30%. The balance between equity and debt is satisfactory.
109.958%
29.96%
-8.587%
-2.126
41.2%
In 2023, the debt ratio of TERRALOIRE (109.96) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2023, the financial autonomy of TERRALOIRE (30.0%) 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.
In 2023, the repayment capacity of TERRALOIRE (-2.13) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
The liquidity ratio (= Current assets / Current liabilities) stands at 262.41. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
262.407
-399.351
In 2023, the liquidity ratio of TERRALOIRE (262.41) 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.
In 2023, the interest coverage of TERRALOIRE (-399.4x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 120 days. Excellent situation: suppliers finance 120 days of the operating cycle (retail model). Inventory turnover is 286 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 291 days of revenue, i.e. 1.9 M€ to permanently finance. Over 2019-2023, WCR increased by +41%, requiring additional financing.
1 873 739 €
0 j
120 j
286 j
291 j
Based on 80 transactions of similar company sales
(all years),
the value of TERRALOIRE is estimated at
647 679 €
(range 232 898€ - 1 592 930€).
The price/revenue ratio is 0.28x
(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.
Only this financial indicator is available for this company.
This estimate is based on the analysis of 80 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare TERRALOIRE with other companies in the same sector:
Voir toutes les statistiques du secteur Promotion immobilière de logements
The revenue of TERRALOIRE in 2023 is 2.3 M€.
TERRALOIRE recorded a net loss in 2023.
The headquarters of TERRALOIRE is located in VANNES (56000), in the department Morbihan.
The tax return of TERRALOIRE 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).
TERRALOIRE operates in the sector Promotion immobilière de logements (NAF code 41.10A). See the 'Sector positioning' section above to compare the company with its competitors.