CLARES CREDIT AGRICOLE CENTRE LOIRE : revenue, balance sheet and financial ratios

CLARES CREDIT AGRICOLE CENTRE LOIRE is a French company founded 25 years ago, specialized in the sector Promotion immobilière de logements. Based in ORLEANS (45000), this company of category GE shows in 2024 a revenue of 473 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

Financial history - CLARES CREDIT AGRICOLE CENTRE LOIRE (SIREN 432715639)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 472 867 € 1 298 869 € 2 056 091 € 2 236 955 € 2 077 257 € 1 798 054 € 2 191 929 € 3 172 456 € 2 058 046 €
Net income -278 821 € 106 974 € -1 016 318 € 196 002 € 369 838 € 625 000 € 43 434 € 55 826 € 134 638 €
EBITDA -837 856 € -1 084 780 € -664 927 € -628 770 € -752 686 € -517 948 € -589 949 € -535 550 € -112 267 €
Net margin -59.0% 8.2% -49.4% 8.8% 17.8% 34.8% 2.0% 1.8% 6.5%

Revenue and income statement

In 2024, CLARES CREDIT AGRICOLE CENTRE LOIRE achieves revenue of 473 k€. Revenue is declining over the period 2016-2024 (CAGR: -16.8%). Significant drop of -64% vs 2023. After deducting consumption (0 €), gross margin stands at 473 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 -838 k€, representing -177.2% of revenue. Warning negative scissor effect: despite revenue change (-64%), EBITDA varies by +23%, reducing margin by 93.7 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -279 k€ (-59.0% 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

472 867 €

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

472 867 €

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

-837 856 €

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

-1 037 138 €

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

-278 821 €

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

-177.2%

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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 97%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

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

97.175%

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

-160.916%

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

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

32.8%

Solvency indicators evolution
CLARES CREDIT AGRICOLE CENTRE LOIRE

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 1.6
Q3: 105.23
Excellent

In 2024, the debt ratio of CLARES CREDIT AGRICOLE CE... (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
97.17% 2024
2022
2023
2024
Q1: 0.0%
Med: 12.23%
Q3: 54.65%
Excellent

In 2024, the financial autonomy of CLARES CREDIT AGRICOLE CE... (97.2%) 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
0.0 years 2024
2022
2023
2024
Q1: -4.13 years
Med: 0.0 years
Q3: 1.24 years
Good

In 2024, the repayment capacity of CLARES CREDIT AGRICOLE CE... (0.00) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 2921.45. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

2921.446

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

0.0

Liquidity indicators evolution
CLARES CREDIT AGRICOLE CENTRE LOIRE

Sector positioning

Liquidity ratio
2921.45 2024
2022
2023
2024
Q1: 134.25
Med: 341.1
Q3: 1144.53
Excellent

In 2024, the liquidity ratio of CLARES CREDIT AGRICOLE CE... (2921.45) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
0.0x 2024
2022
2023
2024
Q1: -13.11x
Med: 0.0x
Q3: 2.3x
Good

In 2024, the interest coverage of CLARES CREDIT AGRICOLE CE... (0.0x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.

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: 64 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 147 days. Excellent situation: suppliers finance 83 days of the operating cycle (retail model). Inventory turnover is 8024 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 5632 days of revenue, i.e. 7.4 M€ to permanently finance. Notable WCR improvement over the period (-59%), freeing up cash.

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

7 397 725 €

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

64 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

147 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

8024 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

5632 j

WCR and payment terms evolution
CLARES CREDIT AGRICOLE CENTRE LOIRE

Positioning of CLARES CREDIT AGRICOLE CENTRE LOIRE in its sector

Comparison with sector Promotion immobilière de logements

Valuation estimate

Based on 80 transactions of similar company sales (all years), the value of CLARES CREDIT AGRICOLE CENTRE LOIRE is estimated at 132 289 € (range 47 569€ - 325 359€). The price/revenue ratio is 0.28x (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.
Medium reliability: estimate to be confirmed with in-depth analysis.

Estimated enterprise value 2024
80 tx
47k€ 132k€ 325k€
132 289 € Range: 47 569€ - 325 359€
NAF 5 all-time

Valuation method used

Revenue Multiple
472 867 € × 0.28x = 132 290 €
Range: 47 570€ - 325 359€

Only this financial indicator is available for this company.

How is this estimate calculated?

This estimate is based on the analysis of 80 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 (Promotion immobilière de logements)

Compare CLARES CREDIT AGRICOLE CENTRE LOIRE with other companies in the same sector:

Voir toutes les statistiques du secteur Promotion immobilière de logements

Frequently asked questions about CLARES CREDIT AGRICOLE CENTRE LOIRE

What is the revenue of CLARES CREDIT AGRICOLE CENTRE LOIRE ?

The revenue of CLARES CREDIT AGRICOLE CENTRE LOIRE in 2024 is 473 k€.

Is CLARES CREDIT AGRICOLE CENTRE LOIRE profitable?

CLARES CREDIT AGRICOLE CENTRE LOIRE recorded a net loss in 2024.

Where is the headquarters of CLARES CREDIT AGRICOLE CENTRE LOIRE ?

The headquarters of CLARES CREDIT AGRICOLE CENTRE LOIRE is located in ORLEANS (45000), in the department Loiret.

Where to find the tax return of CLARES CREDIT AGRICOLE CENTRE LOIRE ?

The tax return of CLARES CREDIT AGRICOLE CENTRE LOIRE 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 CLARES CREDIT AGRICOLE CENTRE LOIRE operate?

CLARES CREDIT AGRICOLE CENTRE LOIRE operates in the sector Promotion immobilière de logements (NAF code 41.10A). See the 'Sector positioning' section above to compare the company with its competitors.