SIREN : 797399482
CHRISTAL FINANCE is a French company founded 12 years ago, specialized in the sector Services administratifs combinés de bureau. Based in LACANAU (33680), this company of category PME shows in 2022 a revenue of 261 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
| Indicator | 2022 | 2021 | 2020 | 2019 | 2017 |
|---|---|---|---|---|---|
| Revenue | 260 988 € | 329 989 € | 150 244 € | 90 206 € | 60 979 € |
| Net income | 104 234 € | 164 578 € | 150 733 € | 10 723 € | 178 455 € |
| EBITDA | 24 156 € | 17 157 € | 7 925 € | -13 873 € | 3 314 € |
| Net margin | 39.9% | 49.9% | 100.3% | 11.9% | 292.6% |
In 2022, CHRISTAL FINANCE achieves revenue of 261 k€. Over the period 2017-2022, the company shows strong growth with a CAGR (compound annual growth rate) of +33.7%. Significant drop of -21% vs 2021. After deducting consumption (0 €), gross margin stands at 261 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 24 k€, representing 9.3% of revenue. Positive scissor effect: EBITDA margin improves by +4.1 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 104 k€, i.e. 39.9% of revenue. This profit can be retained or distributed to shareholders.
260 988 €
260 988 €
24 156 €
16 348 €
104 234 €
9.3%
The debt ratio (= Financial debt / Equity x 100) stands at 21%. 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 75%. 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 3.2 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 42.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
21.15%
74.766%
42.927%
3.183
83.6%
In 2022, the debt ratio of CHRISTAL FINANCE (21.15) 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 CHRISTAL FINANCE (74.8%) 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.
In 2022, the repayment capacity of CHRISTAL FINANCE (3.18) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 61.73. 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 43.3x. Operating income very largely covers interest expenses: high safety margin.
61.731
43.339
In 2022, the liquidity ratio of CHRISTAL FINANCE (61.73) 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.
In 2022, the interest coverage of CHRISTAL FINANCE (43.3x) 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: 121 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 51 days. The gap of 70 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. WCR is negative (-139 days): operations structurally generate cash. Notable WCR improvement over the period (-7001%), freeing up cash.
-100 420 €
121 j
51 j
0 j
-139 j
Indicative estimate only : the number of comparable transactions in this sector is limited (40 transactions). This range of 39 868€ to 294 933€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 40 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 CHRISTAL FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Services administratifs combinés de bureau
The revenue of CHRISTAL FINANCE in 2022 is 261 k€.
Yes, CHRISTAL FINANCE generated a net profit of 104 k€ in 2022.
The headquarters of CHRISTAL FINANCE is located in LACANAU (33680), in the department Gironde.
The tax return of CHRISTAL FINANCE 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).
CHRISTAL FINANCE operates in the sector Services administratifs combinés de bureau (NAF code 82.11Z). See the 'Sector positioning' section above to compare the company with its competitors.