Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.

ASSUR - CREDIT D'ALSACE - LORRAINE ACAL : revenue, balance sheet and financial ratios

ASSUR - CREDIT D'ALSACE - LORRAINE ACAL is a French company founded 24 years ago, specialized in the sector Activités des sociétés holding. Based in GONDREVILLE (54840), this company of category PME shows in 2025 a net income positive of 58 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 - ASSUR - CREDIT D'ALSACE - LORRAINE ACAL (SIREN 440396174)
Indicator 2025 2024 2023 2022 2021 2020 2018 2016
Revenue N/C N/C N/C N/C N/C N/C N/C N/C
Net income 57 677 € 117 326 € 91 979 € 53 446 € 86 910 € 67 526 € -423 468 € 43 594 €
EBITDA -4 998 € -6 427 € -5 605 € -6 005 € -5 972 € -6 909 € -10 657 € -10 568 €
Net margin N/C N/C N/C N/C N/C N/C N/C N/C

Revenue and income statement

In 2025, ASSUR - CREDIT D'ALSACE - LORRAINE ACAL generates positive net income of 58 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2025: 44 k€ -> 58 k€.

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

-4 998 €

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

-4 998 €

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

57 677 €

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 35%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 74%. 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 6.6 years of cash flow to repay all financial debt. This ratio remains within usual banking standards.

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

35.41%

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

73.537%

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

6.62

Solvency indicators evolution
ASSUR - CREDIT D'ALSACE - LORRAINE ACAL

Sector positioning

Debt ratio
35.41 2025
2023
2024
2025
Q1: 0.04
Med: 8.09
Q3: 54.01
Average -9 pts over 3 years

In 2025, the debt ratio of ASSUR - CREDIT D'ALSACE -... (35.41) 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
73.54% 2025
2023
2024
2025
Q1: 21.27%
Med: 67.32%
Q3: 92.99%
Good +8 pts over 3 years

In 2025, the financial autonomy of ASSUR - CREDIT D'ALSACE -... (73.5%) 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
6.62 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 0.19 years
Q3: 2.98 years
Average

In 2025, the repayment capacity of ASSUR - CREDIT D'ALSACE -... (6.62) 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 1922.42. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

1922.419

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

-234.194

Liquidity indicators evolution
ASSUR - CREDIT D'ALSACE - LORRAINE ACAL

Sector positioning

Liquidity ratio
1922.42 2025
2023
2024
2025
Q1: 161.8
Med: 834.57
Q3: 4761.54
Good +6 pts over 3 years

In 2025, the liquidity ratio of ASSUR - CREDIT D'ALSACE -... (1922.42) 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
-234.19x 2025
2023
2024
2025
Q1: -62.1x
Med: 0.0x
Q3: 0.0x
Average

In 2025, the interest coverage of ASSUR - CREDIT D'ALSACE -... (-234.2x) 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) and payment terms

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: 372 days. Excellent situation: suppliers finance 372 days of the operating cycle (retail model).

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

0 €

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

0 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

372 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 and payment terms evolution
ASSUR - CREDIT D'ALSACE - LORRAINE ACAL

Positioning of ASSUR - CREDIT D'ALSACE - LORRAINE ACAL in its sector

Comparison with sector Activités des sociétés holding

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 23 000€ to 708 808€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2025
Indicative
23k€ 118k€ 708k€
118 458 € Range: 23 000€ - 708 808€
NAF 5 année 2025

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 20 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 (Activités des sociétés holding)

Compare ASSUR - CREDIT D'ALSACE - LORRAINE ACAL with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sociétés holding

Frequently asked questions about ASSUR - CREDIT D'ALSACE - LORRAINE ACAL

What is the revenue of ASSUR - CREDIT D'ALSACE - LORRAINE ACAL ?

The revenue of ASSUR - CREDIT D'ALSACE - LORRAINE ACAL is not publicly disclosed (confidential accounts filed with INPI).

Is ASSUR - CREDIT D'ALSACE - LORRAINE ACAL profitable?

Yes, ASSUR - CREDIT D'ALSACE - LORRAINE ACAL generated a net profit of 58 k€ in 2025.

Where is the headquarters of ASSUR - CREDIT D'ALSACE - LORRAINE ACAL ?

The headquarters of ASSUR - CREDIT D'ALSACE - LORRAINE ACAL is located in GONDREVILLE (54840), in the department Meurthe-et-Moselle.

Where to find the tax return of ASSUR - CREDIT D'ALSACE - LORRAINE ACAL ?

The tax return of ASSUR - CREDIT D'ALSACE - LORRAINE ACAL 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 ASSUR - CREDIT D'ALSACE - LORRAINE ACAL operate?

ASSUR - CREDIT D'ALSACE - LORRAINE ACAL operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.