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

CREDIT AGRICOLE CENTRE LOIRE ENERGIES RENOUVELABLES is a French company founded 4 years ago, specialized in the sector Activités des sociétés holding. Based in SAINT-JEAN-DE-BRAYE (45800), this company of category GE shows in 2025 a revenue of 93 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 - CREDIT AGRICOLE CENTRE LOIRE ENERGIES RENOUVELABLES (SIREN 901472415)
Indicator 2025 2024 2023 2022
Revenue 93 360 € N/C 5 000 € N/C
Net income -64 664 € -64 869 € -42 595 € -722 €
EBITDA -41 837 € -97 648 € -51 389 € -3 261 €
Net margin -69.3% N/C -851.9% N/C

Revenue and income statement

In 2025, CREDIT AGRICOLE CENTRE LOIRE ENERGIES RENOUVELABLES achieves revenue of 93 k€. Over the period 2023-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +332.1%. After deducting consumption (0 €), gross margin stands at 93 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 -42 k€, representing -44.8% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -65 k€ (-69.3% of revenue), which will impact equity.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

93 360 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

93 360 €

EBITDA (2025) ?
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

-41 837 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-79 157 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-64 664 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-44.8%

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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 16%. 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 67%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

15.81%

Financial autonomy (2025) ?
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

67.133%

Cash flow / Revenue (2025) ?
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

-21.217%

Repayment capacity (2025) ?
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

-38.527

Asset age ratio (2025) ?
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

97.7%

Solvency indicators evolution
CREDIT AGRICOLE CENTRE LOIRE ENERGIES RENOUVELABLES

Sector positioning

Debt ratio
15.81 2025
2023
2024
2025
Q1: 0.04
Med: 8.09
Q3: 54.01
Average +29 pts over 3 years

In 2025, the debt ratio of CREDIT AGRICOLE CENTRE LO... (15.81) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
67.13% 2025
2023
2024
2025
Q1: 21.27%
Med: 67.32%
Q3: 92.99%
Average -25 pts over 3 years

In 2025, the financial autonomy of CREDIT AGRICOLE CENTRE LO... (67.1%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
-38.53 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 0.19 years
Q3: 2.98 years
Excellent

In 2025, the repayment capacity of CREDIT AGRICOLE CENTRE LO... (-38.53) 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 163.67. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
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

163.673

Interest coverage (2025) ?
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

-49.439

Liquidity indicators evolution
CREDIT AGRICOLE CENTRE LOIRE ENERGIES RENOUVELABLES

Sector positioning

Liquidity ratio
163.67 2025
2023
2024
2025
Q1: 161.8
Med: 834.57
Q3: 4761.54
Average -26 pts over 3 years

In 2025, the liquidity ratio of CREDIT AGRICOLE CENTRE LO... (163.67) 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
-49.44x 2025
2023
2024
2025
Q1: -62.1x
Med: 0.0x
Q3: 0.0x
Average -20 pts over 3 years

In 2025, the interest coverage of CREDIT AGRICOLE CENTRE LO... (-49.4x) 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: 75 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 220 days. Excellent situation: suppliers finance 145 days of the operating cycle (retail model). WCR is negative (-5321 days): operations structurally generate cash.

Operating WCR (2025) ?
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

-1 379 834 €

Customer credit (2025) ?
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

75 j

Supplier credit (2025) ?
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

220 j

Inventory turnover (2025) ?
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 (2025) ?
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

-5321 j

WCR and payment terms evolution
CREDIT AGRICOLE CENTRE LOIRE ENERGIES RENOUVELABLES

Positioning of CREDIT AGRICOLE CENTRE LOIRE ENERGIES RENOUVELABLES in its sector

Comparison with sector Activités des sociétés holding

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 45 720€ to 116 906€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2025
Indicative
45k€ 71k€ 116k€
71 492 € Range: 45 720€ - 116 906€
NAF 5 année 2025

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 20 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 sociétés holding)

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

Voir toutes les statistiques du secteur Activités des sociétés holding

Frequently asked questions about CREDIT AGRICOLE CENTRE LOIRE ENERGIES RENOUVELABLES

What is the revenue of CREDIT AGRICOLE CENTRE LOIRE ENERGIES RENOUVELABLES ?

The revenue of CREDIT AGRICOLE CENTRE LOIRE ENERGIES RENOUVELABLES in 2025 is 93 k€.

Is CREDIT AGRICOLE CENTRE LOIRE ENERGIES RENOUVELABLES profitable?

CREDIT AGRICOLE CENTRE LOIRE ENERGIES RENOUVELABLES recorded a net loss in 2025.

Where is the headquarters of CREDIT AGRICOLE CENTRE LOIRE ENERGIES RENOUVELABLES ?

The headquarters of CREDIT AGRICOLE CENTRE LOIRE ENERGIES RENOUVELABLES is located in SAINT-JEAN-DE-BRAYE (45800), in the department Loiret.

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

The tax return of CREDIT AGRICOLE CENTRE LOIRE ENERGIES RENOUVELABLES 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 CREDIT AGRICOLE CENTRE LOIRE ENERGIES RENOUVELABLES operate?

CREDIT AGRICOLE CENTRE LOIRE ENERGIES RENOUVELABLES 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.