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CAISSE EPARGNE PREVOYANCE LANGUEDOC ROUSSILLON : revenue, balance sheet and financial ratios

CAISSE EPARGNE PREVOYANCE LANGUEDOC ROUSSILLON is a French company founded 34 years ago, specialized in the sector Autres intermédiations monétaires. Based in MONTPELLIER (34080), this company of category GE shows in 2016 a net income positive of 61.4 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 - CAISSE EPARGNE PREVOYANCE LANGUEDOC ROUSSILLON (SIREN 383451267)
Indicator 2016
Revenue N/C
Net income 61 427 535 €
EBITDA -194 383 738 €
Net margin N/C

Revenue and income statement

In 2016, CAISSE EPARGNE PREVOYANCE LANGUEDOC ROUSSILLON generates positive net income of 61.4 M€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax.

EBITDA (2016) ?
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

-194 383 738 €

EBIT (2016) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-52 981 172 €

Net income (2016) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

61 427 535 €

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Chart evolution

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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 -106%. 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 182%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2016) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

-105.688%

Financial autonomy (2016) ?
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

182.006%

Repayment capacity (2016) ?
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

-14.093

Asset age ratio (2016) ?
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

25.3%

Solvency indicators evolution
CAISSE EPARGNE PREVOYANCE LANGUEDOC ROUSSILLON

Sector positioning

Debt ratio
-105.69 2016
2016
Q1: 0.0
Med: 2.07
Q3: 92.84
Excellent

In 2016, the debt ratio of CAISSE EPARGNE PREVOYANCE... (-105.69) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
182.01% 2016
2016
Q1: 0.0%
Med: 15.51%
Q3: 51.45%
Excellent

In 2016, the financial autonomy of CAISSE EPARGNE PREVOYANCE... (182.0%) 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
-14.09 years 2016
2016
Q1: 0.0 years
Med: 0.0 years
Q3: 0.9 years
Excellent

In 2016, the repayment capacity of CAISSE EPARGNE PREVOYANCE... (-14.09) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 63.26. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2016) ?
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

63.26

Interest coverage (2016) ?
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

-99.602

Liquidity indicators evolution
CAISSE EPARGNE PREVOYANCE LANGUEDOC ROUSSILLON

Sector positioning

Liquidity ratio
63.26 2016
2016
Q1: 96.2
Med: 191.5
Q3: 572.51
Watch

In 2016, the liquidity ratio of CAISSE EPARGNE PREVOYANCE... (63.26) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
-99.6x 2016
2016
Q1: 0.0x
Med: 0.0x
Q3: 0.91x
Watch

In 2016, the interest coverage of CAISSE EPARGNE PREVOYANCE... (-99.6x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.

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: 7 days. Favorable situation: supplier credit is longer than customer credit by 7 days.

Operating WCR (2016) ?
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 (2016) ?
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 (2016) ?
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

7 j

Inventory turnover (2016) ?
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
CAISSE EPARGNE PREVOYANCE LANGUEDOC ROUSSILLON

Positioning of CAISSE EPARGNE PREVOYANCE LANGUEDOC ROUSSILLON in its sector

Comparison with sector Autres intermédiations monétaires

Valuation estimate

Based on 975 transactions of similar company sales (all years), the value of CAISSE EPARGNE PREVOYANCE LANGUEDOC ROUSSILLON is estimated at 436 462 206 € (range 111 292 182€ - 880 525 047€). 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 2016
975 transactions
111292k€ 436462k€ 880525k€
436 462 206 € Range: 111 292 182€ - 880 525 047€
Section all-time Aggregated at NAF section level

Valuation method used

Net Income Multiple
61 427 535 € × 7.1x = 436 462 207 €
Range: 111 292 182€ - 880 525 047€

Only this financial indicator is available for this company.

How is this estimate calculated?

This estimate is based on the analysis of 975 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 (Autres intermédiations monétaires)

Compare CAISSE EPARGNE PREVOYANCE LANGUEDOC ROUSSILLON with other companies in the same sector:

Voir toutes les statistiques du secteur Autres intermédiations monétaires

Frequently asked questions about CAISSE EPARGNE PREVOYANCE LANGUEDOC ROUSSILLON

What is the revenue of CAISSE EPARGNE PREVOYANCE LANGUEDOC ROUSSILLON ?

The revenue of CAISSE EPARGNE PREVOYANCE LANGUEDOC ROUSSILLON is not publicly disclosed (confidential accounts filed with INPI).

Is CAISSE EPARGNE PREVOYANCE LANGUEDOC ROUSSILLON profitable?

Yes, CAISSE EPARGNE PREVOYANCE LANGUEDOC ROUSSILLON generated a net profit of 61.4 M€ in 2016.

Where is the headquarters of CAISSE EPARGNE PREVOYANCE LANGUEDOC ROUSSILLON ?

The headquarters of CAISSE EPARGNE PREVOYANCE LANGUEDOC ROUSSILLON is located in MONTPELLIER (34080), in the department Herault.

Where to find the tax return of CAISSE EPARGNE PREVOYANCE LANGUEDOC ROUSSILLON ?

The tax return of CAISSE EPARGNE PREVOYANCE LANGUEDOC ROUSSILLON 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 CAISSE EPARGNE PREVOYANCE LANGUEDOC ROUSSILLON operate?

CAISSE EPARGNE PREVOYANCE LANGUEDOC ROUSSILLON operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.