SIREN : 632011292
VICHY HABITAT is a French company founded 126 years ago, specialized in the sector Location de logements. Based in VICHY (03200), this company of category PME shows in 2022 a revenue of 6.1 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-25
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 6 118 224 € | 5 945 769 € | 5 632 601 € | 5 742 641 € | 5 780 958 € | 5 774 370 € | 5 909 080 € |
| Net income | 204 711 € | 284 089 € | 53 159 € | 60 337 € | 50 063 € | 49 723 € | 186 757 € |
| EBITDA | 1 889 625 € | 2 208 592 € | 2 254 574 € | 2 278 714 € | 2 288 479 € | 1 882 783 € | 1 890 781 € |
| Net margin | 3.3% | 4.8% | 0.9% | 1.1% | 0.9% | 0.9% | 3.2% |
In 2022, VICHY HABITAT achieves revenue of 6.1 M€. Revenue is growing positively over 7 years (CAGR: +0.6%). Vs 2021: +3%. After deducting consumption (612 k€), gross margin stands at 5.5 M€, i.e. a rate of 90%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 1.9 M€, representing 30.9% of revenue. Warning negative scissor effect: despite revenue change (+3%), EBITDA varies by -14%, reducing margin by 6.3 pts. This reflects costs rising faster than 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 205 k€, i.e. 3.3% of revenue. This profit can be retained or distributed to shareholders.
6 118 224 €
5 506 059 €
1 889 625 €
438 793 €
204 711 €
30.9%
The debt ratio (= Financial debt / Equity x 100) stands at 202%. 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 30%. The balance between equity and debt is satisfactory.
202.455%
30.467%
-7.085%
-78.692
52.6%
In 2022, the debt ratio of VICHY HABITAT (202.46) 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 2022, the financial autonomy of VICHY HABITAT (30.5%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2022, the repayment capacity of VICHY HABITAT (-78.69) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.
The liquidity ratio (= Current assets / Current liabilities) stands at 447.96. 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 24.4x. Operating income very largely covers interest expenses: high safety margin.
447.963
24.403
In 2022, the liquidity ratio of VICHY HABITAT (447.96) 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.
In 2022, the interest coverage of VICHY HABITAT (24.4x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 52 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 151 days. Excellent situation: suppliers finance 99 days of the operating cycle (retail model). Inventory turnover is 335 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 448 days of revenue, i.e. 7.6 M€ to permanently finance. Over 2016-2022, WCR increased by +106%, requiring additional financing.
7 612 906 €
52 j
151 j
335 j
448 j
Based on 241 transactions of similar company sales in 2022, the value of VICHY HABITAT is estimated at 4 492 717 € (range 1 887 668€ - 10 766 499€). With an EBITDA of 1 889 625€, the sector multiple of 3.3x is applied. The price/revenue ratio is 0.68x (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.
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This estimate is based on the analysis of 241 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 VICHY HABITAT with other companies in the same sector:
Voir toutes les statistiques du secteur Location de logements
The revenue of VICHY HABITAT in 2022 is 6.1 M€.
Yes, VICHY HABITAT generated a net profit of 205 k€ in 2022.
The headquarters of VICHY HABITAT is located in VICHY (03200), in the department Allier.
The tax return of VICHY 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).
VICHY 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.