SIREN : 522139484
CRATZ FINANCES is a French company founded 16 years ago, specialized in the sector Activités des sociétés holding. Based in RENNES (35000), this company of category PME shows in 2024 a revenue of 496 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2021 | 2020 | 2019 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 496 000 € | 493 966 € | 255 729 € | 219 209 € | 233 282 € | 119 892 € | 109 212 € |
| Net income | 8 128 € | 373 932 € | 278 596 € | 40 570 € | 10 053 € | 4 463 € | 4 138 € |
| EBITDA | -11 957 € | 2 141 € | 13 255 € | 8 248 € | 8 766 € | 4 770 € | 4 579 € |
| Net margin | 1.6% | 75.7% | 108.9% | 18.5% | 4.3% | 3.7% | 3.8% |
In 2024, CRATZ FINANCES achieves revenue of 496 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +20.8%. Vs 2023: +0%. After deducting consumption (0 €), gross margin stands at 496 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 -12 k€, representing -2.4% of revenue. Warning negative scissor effect: despite revenue change (+0%), EBITDA varies by -658%, reducing margin by 2.8 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 8 k€, i.e. 1.6% of revenue. This profit can be retained or distributed to shareholders.
496 000 €
496 000 €
-11 957 €
-6 558 €
8 128 €
-2.4%
The debt ratio (= Financial debt / Equity x 100) stands at 12%. 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 85%. 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 15.5 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 1.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
12.254%
85.057%
1.838%
15.491
22.8%
In 2024, the debt ratio of CRATZ FINANCES (12.25) 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 2024, the financial autonomy of CRATZ FINANCES (85.1%) 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 2024, the repayment capacity of CRATZ FINANCES (15.49) 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 2081.69. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
2081.686
-36.456
In 2024, the liquidity ratio of CRATZ FINANCES (2081.69) 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.
In 2024, the interest coverage of CRATZ FINANCES (-36.5x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 60 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 36 days. The company must finance 24 days of gap between collections and payments. Overall, WCR represents 602 days of revenue, i.e. 830 k€ to permanently finance. Over 2016-2024, WCR increased by +214%, requiring additional financing.
830 106 €
60 j
36 j
0 j
602 j
Based on 54 transactions of similar company sales
in 2024,
the value of CRATZ FINANCES is estimated at
179 965 €
(range 112 035€ - 232 583€).
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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 54 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 CRATZ FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of CRATZ FINANCES in 2024 is 496 k€.
Yes, CRATZ FINANCES generated a net profit of 8 k€ in 2024.
The headquarters of CRATZ FINANCES is located in RENNES (35000), in the department Ille-et-Vilaine.
The tax return of CRATZ FINANCES 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).
CRATZ FINANCES operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.