CAISSE FEDERALE DU CREDIT MUTUEL DE MAINE ANJOU ET BASSE NORMANDIE : revenue, balance sheet and financial ratios

CAISSE FEDERALE DU CREDIT MUTUEL DE MAINE ANJOU ET BASSE NORMANDIE is a French company founded 44 years ago, specialized in the sector Autres intermédiations monétaires. Based in LAVAL (53000), this company of category GE shows in 2024 a revenue of 337.8 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 FEDERALE DU CREDIT MUTUEL DE MAINE ANJOU ET BASSE NORMANDIE (SIREN 556650208)
Indicator 2024 2022 2021 2020 2019 2018 2017 2016
Revenue 337 751 000 € 316 156 000 € N/C N/C N/C N/C N/C N/C
Net income 0 € 86 024 000 € 0 € 82 490 000 € 202 437 000 € 78 670 000 € 138 663 000 € 0 €
EBITDA 83 095 000 € 316 156 000 € N/C N/C N/C N/C N/C N/C
Net margin 0.0% 27.2% N/C N/C N/C N/C N/C N/C

Revenue and income statement

In 2024, CAISSE FEDERALE DU CREDIT MUTUEL DE MAINE ANJOU ET BASSE NORMANDIE achieves revenue of 337.8 M€. Revenue is growing positively over 8 years (CAGR: +3.4%). Vs 2022: +7%. After deducting consumption (0 €), gross margin stands at 337.8 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 83.1 M€, representing 24.6% of revenue. Warning negative scissor effect: despite revenue change (+7%), EBITDA varies by -74%, reducing margin by 75.4 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Net income is negative at 0 € (0.0% of revenue), which will impact equity.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

337 751 000 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

337 751 000 €

EBITDA (2024) ?
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

83 095 000 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

393 899 000 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

24.6%

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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 0%. 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 16%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 130.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.0%

Financial autonomy (2024) ?
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

15.887%

Cash flow / Revenue (2024) ?
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

130.682%

Repayment capacity (2024) ?
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

0.0

Solvency indicators evolution
CAISSE FEDERALE DU CREDIT MUTUEL DE MAINE ANJOU ET BASSE NORMANDIE

Sector positioning

Debt ratio
0.0 2024
2021
2022
2024
Q1: 0.0
Med: 0.0
Q3: 38.07
Excellent -27 pts over 3 years

In 2024, the debt ratio of CAISSE FEDERALE DU CREDIT... (0.00) 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
15.89% 2024
2021
2022
2024
Q1: 6.06%
Med: 9.53%
Q3: 57.67%
Good

In 2024, the financial autonomy of CAISSE FEDERALE DU CREDIT... (15.9%) 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
0.0 years 2024
2021
2022
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.76 years
Excellent -30 pts over 3 years

In 2024, the repayment capacity of CAISSE FEDERALE DU CREDIT... (0.00) 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 0.00. Alert: short-term debt exceeds current assets. Risk of payment difficulties without cash reinforcement. The interest coverage ratio (= EBIT / Interest expenses) is 676.9x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2024) ?
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

0.0

Interest coverage (2024) ?
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

676.947

Liquidity indicators evolution
CAISSE FEDERALE DU CREDIT MUTUEL DE MAINE ANJOU ET BASSE NORMANDIE

Sector positioning

Liquidity ratio
0.0 2024
2021
2022
2024
Q1: 0.0
Med: 42.63
Q3: 395.8
Watch

In 2024, the liquidity ratio of CAISSE FEDERALE DU CREDIT... (0.00) 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
676.95x 2024
2022
2024
Q1: 0.0x
Med: 0.0x
Q3: 0.73x
Excellent +73 pts over 2 years

In 2024, the interest coverage of CAISSE FEDERALE DU CREDIT... (677.0x) 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. Overall, WCR represents 3543 days of revenue, i.e. 3.3 Bn€ to permanently finance.

Operating WCR (2024) ?
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

3 323 679 246 €

Customer credit (2024) ?
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 (2024) ?
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

0 j

Inventory turnover (2024) ?
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 (2024) ?
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

3543 j

WCR and payment terms evolution
CAISSE FEDERALE DU CREDIT MUTUEL DE MAINE ANJOU ET BASSE NORMANDIE

Positioning of CAISSE FEDERALE DU CREDIT MUTUEL DE MAINE ANJOU ET BASSE NORMANDIE in its sector

Comparison with sector Autres intermédiations monétaires

Valuation estimate

Based on 82 transactions of similar company sales in 2024, the value of CAISSE FEDERALE DU CREDIT MUTUEL DE MAINE ANJOU ET BASSE NORMANDIE is estimated at 435 321 125 € (range 101 450 847€ - 592 499 125€). With an EBITDA of 83 095 000€, the sector multiple of 6.9x is applied. The price/revenue ratio is 0.59x (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.
Medium reliability: estimate to be confirmed with in-depth analysis.

Estimated enterprise value 2024
82 tx
101450k€ 435321k€ 592499k€
435 321 125 € Range: 101 450 847€ - 592 499 125€
Section année 2024 Aggregated at NAF section level

Valuation detail by method

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EBITDA Multiple 50%
83 095 000 € × 6.9x
Estimation 577 198 866 €
88 092 367€ - 779 502 814€
Revenue Multiple 30%
337 751 000 € × 0.59x
Estimation 198 858 225 €
123 714 981€ - 280 826 310€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 82 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 FEDERALE DU CREDIT MUTUEL DE MAINE ANJOU ET BASSE NORMANDIE with other companies in the same sector:

Voir toutes les statistiques du secteur Autres intermédiations monétaires

Frequently asked questions about CAISSE FEDERALE DU CREDIT MUTUEL DE MAINE ANJOU ET BASSE NORMANDIE

What is the revenue of CAISSE FEDERALE DU CREDIT MUTUEL DE MAINE ANJOU ET BASSE NORMANDIE ?

The revenue of CAISSE FEDERALE DU CREDIT MUTUEL DE MAINE ANJOU ET BASSE NORMANDIE in 2024 is 337.8 M€.

Is CAISSE FEDERALE DU CREDIT MUTUEL DE MAINE ANJOU ET BASSE NORMANDIE profitable?

Yes, CAISSE FEDERALE DU CREDIT MUTUEL DE MAINE ANJOU ET BASSE NORMANDIE generated a net profit of 86.0 M€ in 2022.

Where is the headquarters of CAISSE FEDERALE DU CREDIT MUTUEL DE MAINE ANJOU ET BASSE NORMANDIE ?

The headquarters of CAISSE FEDERALE DU CREDIT MUTUEL DE MAINE ANJOU ET BASSE NORMANDIE is located in LAVAL (53000), in the department Mayenne.

Where to find the tax return of CAISSE FEDERALE DU CREDIT MUTUEL DE MAINE ANJOU ET BASSE NORMANDIE ?

The tax return of CAISSE FEDERALE DU CREDIT MUTUEL DE MAINE ANJOU ET BASSE NORMANDIE 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 FEDERALE DU CREDIT MUTUEL DE MAINE ANJOU ET BASSE NORMANDIE operate?

CAISSE FEDERALE DU CREDIT MUTUEL DE MAINE ANJOU ET BASSE NORMANDIE operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.