CIE GENRALE DE RECOUVREMENT MUTUALISTE : revenue, balance sheet and financial ratios

CIE GENRALE DE RECOUVREMENT MUTUALISTE is a French company founded 23 years ago, specialized in the sector Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle. Based in PARIS (75013), this company of category PME shows in 2020 a revenue of 1.2 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 - CIE GENRALE DE RECOUVREMENT MUTUALISTE (SIREN 442200267)
Indicator 2020 2019 2018 2017 2016
Revenue 1 247 327 € 1 548 090 € 1 434 356 € 1 410 793 € 1 296 764 €
Net income 286 354 € 379 869 € 444 081 € 369 010 € 248 974 €
EBITDA -65 954 € -49 104 € -48 721 € -23 622 € -191 255 €
Net margin 23.0% 24.5% 31.0% 26.2% 19.2%

Revenue and income statement

In 2020, CIE GENRALE DE RECOUVREMENT MUTUALISTE achieves revenue of 1.2 M€. Activity remains stable over the period (CAGR: -1.0%). Significant drop of -19% vs 2019. After deducting consumption (0 €), gross margin stands at 1.2 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 -66 k€, representing -5.3% of revenue. Warning negative scissor effect: despite revenue change (-19%), EBITDA varies by -34%, reducing margin by 2.1 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 286 k€, i.e. 23.0% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2020) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

1 247 327 €

Gross margin (2020) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

1 247 327 €

EBITDA (2020) ?
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

-65 954 €

EBIT (2020) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

400 985 €

Net income (2020) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

286 354 €

EBITDA margin (2020) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-5.3%

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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 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 41%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2020) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.017%

Financial autonomy (2020) ?
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

41.245%

Cash flow / Revenue (2020) ?
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

-17.628%

Repayment capacity (2020) ?
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

-0.001

Solvency indicators evolution
CIE GENRALE DE RECOUVREMENT MUTUALISTE

Sector positioning

Debt ratio
0.02 2020
2018
2019
2020
Q1: 0.0
Med: 8.54
Q3: 65.28
Excellent

In 2020, the debt ratio of CIE GENRALE DE RECOUVREME... (0.02) 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
41.24% 2020
2018
2019
2020
Q1: 12.48%
Med: 35.02%
Q3: 54.6%
Good -10 pts over 3 years

In 2020, the financial autonomy of CIE GENRALE DE RECOUVREME... (41.2%) 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 2020
2018
2019
2020
Q1: 0.0 years
Med: 0.0 years
Q3: 0.97 years
Excellent

In 2020, the repayment capacity of CIE GENRALE DE RECOUVREME... (-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 154.85. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2020) ?
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

154.848

Interest coverage (2020) ?
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

-51.421

Liquidity indicators evolution
CIE GENRALE DE RECOUVREMENT MUTUALISTE

Sector positioning

Liquidity ratio
154.85 2020
2018
2019
2020
Q1: 133.71
Med: 189.76
Q3: 310.59
Average +32 pts over 3 years

In 2020, the liquidity ratio of CIE GENRALE DE RECOUVREME... (154.85) 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.

Interest coverage
-51.42x 2020
2018
2019
2020
Q1: -0.27x
Med: 0.0x
Q3: 0.64x
Average

In 2020, the interest coverage of CIE GENRALE DE RECOUVREME... (-51.4x) 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: 69 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 27 days. The gap of 42 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 (-256 days): operations structurally generate cash. Notable WCR improvement over the period (-41%), freeing up cash.

Operating WCR (2020) ?
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

-886 488 €

Customer credit (2020) ?
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

69 j

Supplier credit (2020) ?
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

27 j

Inventory turnover (2020) ?
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 (2020) ?
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

-256 j

WCR and payment terms evolution
CIE GENRALE DE RECOUVREMENT MUTUALISTE

Positioning of CIE GENRALE DE RECOUVREMENT MUTUALISTE in its sector

Comparison with sector Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle

Valuation estimate

Based on 158 transactions of similar company sales (all years), the value of CIE GENRALE DE RECOUVREMENT MUTUALISTE is estimated at 641 745 € (range 239 847€ - 1 409 594€). The price/revenue ratio is 0.36x (conservative valuation). 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 2020
158 transactions
239k€ 641k€ 1409k€
641 745 € Range: 239 847€ - 1 409 594€
NAF 4 all-time Aggregated at NAF sub-class level

Valuation detail by method

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Revenue Multiple 30%
1 247 327 € × 0.36x
Estimation 444 535 €
232 355€ - 833 056€
Net Income Multiple 20%
286 354 € × 3.3x
Estimation 937 562 €
251 085€ - 2 274 403€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 158 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 agences de recouvrement de factures et des sociétés d'information financière sur la clientèle)

Compare CIE GENRALE DE RECOUVREMENT MUTUALISTE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle

Frequently asked questions about CIE GENRALE DE RECOUVREMENT MUTUALISTE

What is the revenue of CIE GENRALE DE RECOUVREMENT MUTUALISTE ?

The revenue of CIE GENRALE DE RECOUVREMENT MUTUALISTE in 2020 is 1.2 M€.

Is CIE GENRALE DE RECOUVREMENT MUTUALISTE profitable?

Yes, CIE GENRALE DE RECOUVREMENT MUTUALISTE generated a net profit of 286 k€ in 2020.

Where is the headquarters of CIE GENRALE DE RECOUVREMENT MUTUALISTE ?

The headquarters of CIE GENRALE DE RECOUVREMENT MUTUALISTE is located in PARIS (75013), in the department Paris.

Where to find the tax return of CIE GENRALE DE RECOUVREMENT MUTUALISTE ?

The tax return of CIE GENRALE DE RECOUVREMENT MUTUALISTE 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 CIE GENRALE DE RECOUVREMENT MUTUALISTE operate?

CIE GENRALE DE RECOUVREMENT MUTUALISTE operates in the sector Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle (NAF code 82.91Z). See the 'Sector positioning' section above to compare the company with its competitors.