CITYA MONTCHALIN : revenue, balance sheet and financial ratios

CITYA MONTCHALIN is a French company founded 37 years ago, specialized in the sector Administration d'immeubles et autres biens immobiliers. Based in SAINT-ETIENNE (42000), this company of category ETI shows in 2024 a revenue of 2.5 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - CITYA MONTCHALIN (SIREN 345399562)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 2 514 771 € 2 532 444 € 3 245 844 € 3 574 118 € 3 930 925 € 3 784 902 € 3 205 223 € 3 297 427 € 3 003 260 €
Net income 19 584 € 248 270 € -436 184 € 529 132 € 693 307 € 139 034 € 120 992 € 257 622 € 425 153 €
EBITDA 62 788 € 251 119 € 269 506 € 566 609 € 602 137 € 246 371 € 107 247 € 220 378 € 78 779 €
Net margin 0.8% 9.8% -13.4% 14.8% 17.6% 3.7% 3.8% 7.8% 14.2%

Revenue and income statement

In 2024, CITYA MONTCHALIN achieves revenue of 2.5 M€. Activity remains stable over the period (CAGR: -2.2%). Slight decline of -1% vs 2023. After deducting consumption (0 €), gross margin stands at 2.5 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 63 k€, representing 2.5% of revenue. Warning negative scissor effect: despite revenue change (-1%), EBITDA varies by -75%, reducing margin by 7.4 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 20 k€, i.e. 0.8% of revenue. This profit can be retained or distributed to shareholders.

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

2 514 771 €

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

2 514 771 €

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

62 788 €

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

108 215 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

19 584 €

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

2.5%

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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 8%. 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 35%. The balance between equity and debt is satisfactory.

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

8.033%

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

35.354%

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

-1.475%

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

-14.484

Asset age ratio (2024) ?
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

9.5%

Solvency indicators evolution
CITYA MONTCHALIN

Sector positioning

Debt ratio
8.03 2024
2022
2023
2024
Q1: 0.0
Med: 10.09
Q3: 67.7
Good -8 pts over 3 years

In 2024, the debt ratio of CITYA MONTCHALIN (8.03) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
35.35% 2024
2022
2023
2024
Q1: 3.13%
Med: 14.35%
Q3: 43.65%
Good -7 pts over 3 years

In 2024, the financial autonomy of CITYA MONTCHALIN (35.4%) 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
-14.48 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.18 years
Q3: 4.28 years
Excellent -50 pts over 3 years

In 2024, the repayment capacity of CITYA MONTCHALIN (-14.48) 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 117.82. 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 191.2x. 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

117.822

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

191.25

Liquidity indicators evolution
CITYA MONTCHALIN

Sector positioning

Liquidity ratio
117.82 2024
2022
2023
2024
Q1: 100.01
Med: 116.53
Q3: 409.53
Good

In 2024, the liquidity ratio of CITYA MONTCHALIN (117.82) 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
191.25x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 7.73x
Excellent

In 2024, the interest coverage of CITYA MONTCHALIN (191.2x) 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. Average customer payment term: 3 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 62 days. Excellent situation: suppliers finance 59 days of the operating cycle (retail model). Overall, WCR represents 31 days of revenue, i.e. 219 k€ to permanently finance. Over 2016-2024, WCR increased by +104%, requiring additional financing.

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

219 187 €

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

3 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

62 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

31 j

WCR and payment terms evolution
CITYA MONTCHALIN

Positioning of CITYA MONTCHALIN in its sector

Comparison with sector Administration d'immeubles et autres biens immobiliers

Valuation estimate

Based on 277 transactions of similar company sales (all years), the value of CITYA MONTCHALIN is estimated at 265 657 € (range 120 217€ - 622 191€). With an EBITDA of 62 788€, the sector multiple of 1.3x is applied. The price/revenue ratio is 0.29x (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 2024
277 transactions
120k€ 265k€ 622k€
265 657 € Range: 120 217€ - 622 191€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
62 788 € × 1.3x
Estimation 83 274 €
28 974€ - 251 248€
Revenue Multiple 30%
2 514 771 € × 0.29x
Estimation 717 602 €
345 887€ - 1 565 527€
Net Income Multiple 20%
19 584 € × 2.2x
Estimation 43 701 €
9 821€ - 134 550€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 277 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 (Administration d'immeubles et autres biens immobiliers)

Compare CITYA MONTCHALIN with other companies in the same sector:

Voir toutes les statistiques du secteur Administration d'immeubles et autres biens immobiliers

Frequently asked questions about CITYA MONTCHALIN

What is the revenue of CITYA MONTCHALIN ?

The revenue of CITYA MONTCHALIN in 2024 is 2.5 M€.

Is CITYA MONTCHALIN profitable?

Yes, CITYA MONTCHALIN generated a net profit of 20 k€ in 2024.

Where is the headquarters of CITYA MONTCHALIN ?

The headquarters of CITYA MONTCHALIN is located in SAINT-ETIENNE (42000), in the department Loire.

Where to find the tax return of CITYA MONTCHALIN ?

The tax return of CITYA MONTCHALIN 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 CITYA MONTCHALIN operate?

CITYA MONTCHALIN operates in the sector Administration d'immeubles et autres biens immobiliers (NAF code 68.32A). See the 'Sector positioning' section above to compare the company with its competitors.