TERRITOIRE ET HABITAT NORMAND, SOCIETE DE COORDINATION : revenue, balance sheet and financial ratios

TERRITOIRE ET HABITAT NORMAND, SOCIETE DE COORDINATION is a French company founded 6 years ago, specialized in the sector Ingénierie, études techniques. Based in CAEN (14000), this company of category PME shows in 2021 a revenue of 447 k€. 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 - TERRITOIRE ET HABITAT NORMAND, SOCIETE DE COORDINATION (SIREN 881196398)
Indicator 2021 2020
Revenue 446 610 € 343 724 €
Net income 4 050 € 64 881 €
EBITDA 4 833 € 66 066 €
Net margin 0.9% 18.9%

Revenue and income statement

In 2021, TERRITOIRE ET HABITAT NORMAND, SOCIETE DE COORDINATION achieves revenue of 447 k€. Vs 2020, growth of +30% (344 k€ -> 447 k€). After deducting consumption (0 €), gross margin stands at 447 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 5 k€, representing 1.1% of revenue. Warning negative scissor effect: despite revenue change (+30%), EBITDA varies by -93%, reducing margin by 18.1 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 4 k€, i.e. 0.9% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2021) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

446 610 €

Gross margin (2021) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

446 610 €

EBITDA (2021) ?
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

4 833 €

EBIT (2021) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

4 537 €

Net income (2021) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

4 050 €

EBITDA margin (2021) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

0.9%

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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 74%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 36%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 37.4 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 0.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2021) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

74.224%

Financial autonomy (2021) ?
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

35.698%

Cash flow / Revenue (2021) ?
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

0.851%

Repayment capacity (2021) ?
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

37.408

Asset age ratio (2021) ?
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

74.7%

Solvency indicators evolution
TERRITOIRE ET HABITAT NORMAND, SOCIETE DE COORDINATION

Sector positioning

Debt ratio
74.22 2021
2020
2021
Q1: 0.0
Med: 11.4
Q3: 66.26
Average +50 pts over 2 years

In 2021, the debt ratio of TERRITOIRE ET HABITAT NOR... (74.22) 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
35.7% 2021
2020
2021
Q1: 10.95%
Med: 35.06%
Q3: 59.74%
Good -22 pts over 2 years

In 2021, the financial autonomy of TERRITOIRE ET HABITAT NOR... (35.7%) 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
37.41 years 2021
2020
2021
Q1: 0.0 years
Med: 0.0 years
Q3: 1.32 years
Average +50 pts over 2 years

In 2021, the repayment capacity of TERRITOIRE ET HABITAT NOR... (37.41) 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 167.47. 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 10.1x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2021) ?
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

167.468

Interest coverage (2021) ?
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

10.077

Liquidity indicators evolution
TERRITOIRE ET HABITAT NORMAND, SOCIETE DE COORDINATION

Sector positioning

Liquidity ratio
167.47 2021
2020
2021
Q1: 151.2
Med: 231.52
Q3: 390.78
Average -16 pts over 2 years

In 2021, the liquidity ratio of TERRITOIRE ET HABITAT NOR... (167.47) 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
10.08x 2021
2020
2021
Q1: 0.0x
Med: 0.0x
Q3: 1.05x
Excellent +50 pts over 2 years

In 2021, the interest coverage of TERRITOIRE ET HABITAT NOR... (10.1x) 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: 137 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 142 days. Favorable situation: supplier credit is longer than customer credit by 5 days. Overall, WCR represents 129 days of revenue, i.e. 160 k€ to permanently finance.

Operating WCR (2021) ?
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

160 355 €

Customer credit (2021) ?
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

137 j

Supplier credit (2021) ?
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

142 j

Inventory turnover (2021) ?
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 (2021) ?
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

129 j

WCR and payment terms evolution
TERRITOIRE ET HABITAT NORMAND, SOCIETE DE COORDINATION

Positioning of TERRITOIRE ET HABITAT NORMAND, SOCIETE DE COORDINATION in its sector

Comparison with sector Ingénierie, études techniques

Valuation estimate

Based on 52 transactions of similar company sales in 2021, the value of TERRITOIRE ET HABITAT NORMAND, SOCIETE DE COORDINATION is estimated at 60 573 € (range 31 543€ - 81 359€). With an EBITDA of 4 833€, the sector multiple of 0.5x is applied. The price/revenue ratio is 0.44x (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 2021
52 tx
31k€ 60k€ 81k€
60 573 € Range: 31 543€ - 81 359€
NAF 5 année 2021

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
4 833 € × 0.5x
Estimation 2 537 €
2 445€ - 6 980€
Revenue Multiple 30%
446 610 € × 0.44x
Estimation 195 719 €
100 106€ - 254 973€
Net Income Multiple 20%
4 050 € × 0.7x
Estimation 2 946 €
1 446€ - 6 889€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 52 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 (Ingénierie, études techniques)

Compare TERRITOIRE ET HABITAT NORMAND, SOCIETE DE COORDINATION with other companies in the same sector:

Voir toutes les statistiques du secteur Ingénierie, études techniques

Frequently asked questions about TERRITOIRE ET HABITAT NORMAND, SOCIETE DE COORDINATION

What is the revenue of TERRITOIRE ET HABITAT NORMAND, SOCIETE DE COORDINATION ?

The revenue of TERRITOIRE ET HABITAT NORMAND, SOCIETE DE COORDINATION in 2021 is 447 k€.

Is TERRITOIRE ET HABITAT NORMAND, SOCIETE DE COORDINATION profitable?

Yes, TERRITOIRE ET HABITAT NORMAND, SOCIETE DE COORDINATION generated a net profit of 4 k€ in 2021.

Where is the headquarters of TERRITOIRE ET HABITAT NORMAND, SOCIETE DE COORDINATION ?

The headquarters of TERRITOIRE ET HABITAT NORMAND, SOCIETE DE COORDINATION is located in CAEN (14000), in the department Calvados.

Where to find the tax return of TERRITOIRE ET HABITAT NORMAND, SOCIETE DE COORDINATION ?

The tax return of TERRITOIRE ET HABITAT NORMAND, SOCIETE DE COORDINATION 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 TERRITOIRE ET HABITAT NORMAND, SOCIETE DE COORDINATION operate?

TERRITOIRE ET HABITAT NORMAND, SOCIETE DE COORDINATION operates in the sector Ingénierie, études techniques (NAF code 71.12B). See the 'Sector positioning' section above to compare the company with its competitors.