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

CREDIT AGRICOLE CENTRE LOIRE INVESTISSEMENT is a French company founded 20 years ago, specialized in the sector Activités des marchands de biens immobiliers. Based in SAINT-JEAN-DE-BRAYE (45800), this company of category GE shows in 2024 a revenue of 2.3 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 - CREDIT AGRICOLE CENTRE LOIRE INVESTISSEMENT (SIREN 483786331)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 2 303 651 € 1 993 913 € 1 883 348 € 1 641 427 € 5 928 638 € 1 565 583 € 1 755 261 € 2 013 251 € 1 086 801 €
Net income 24 352 € -961 930 € 409 066 € 958 143 € 1 692 428 € -42 936 € 141 092 € -255 598 € -304 761 €
EBITDA 1 440 899 € 1 000 940 € 1 012 041 € 639 471 € 2 449 939 € 570 301 € 424 693 € 420 842 € 510 396 €
Net margin 1.1% -48.2% 21.7% 58.4% 28.5% -2.7% 8.0% -12.7% -28.0%

Revenue and income statement

In 2024, CREDIT AGRICOLE CENTRE LOIRE INVESTISSEMENT achieves revenue of 2.3 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +9.8%. Vs 2023, growth of +16% (2.0 M€ -> 2.3 M€). After deducting consumption (0 €), gross margin stands at 2.3 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 1.4 M€, representing 62.5% of revenue. Positive scissor effect: EBITDA margin improves by +12.3 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 24 k€, i.e. 1.1% 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

2 303 651 €

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

2 303 651 €

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

1 440 899 €

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

235 615 €

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

24 352 €

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

62.5%

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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 56%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 63%. 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 16.6 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 47.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

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

55.819%

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

63.133%

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

47.941%

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

16.608

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

77.7%

Solvency indicators evolution
CREDIT AGRICOLE CENTRE LOIRE INVESTISSEMENT

Sector positioning

Debt ratio
55.82 2024
2022
2023
2024
Q1: 0.0
Med: 5.94
Q3: 188.9
Average

In 2024, the debt ratio of CREDIT AGRICOLE CENTRE LO... (55.82) 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
63.13% 2024
2022
2023
2024
Q1: 0.0%
Med: 12.3%
Q3: 57.41%
Excellent

In 2024, the financial autonomy of CREDIT AGRICOLE CENTRE LO... (63.1%) 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
16.61 years 2024
2022
2023
2024
Q1: -9.06 years
Med: 0.0 years
Q3: 2.45 years
Average

In 2024, the repayment capacity of CREDIT AGRICOLE CENTRE LO... (16.61) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 447.93. 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 25.6x. 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

447.927

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

25.581

Liquidity indicators evolution
CREDIT AGRICOLE CENTRE LOIRE INVESTISSEMENT

Sector positioning

Liquidity ratio
447.93 2024
2022
2023
2024
Q1: 148.32
Med: 585.43
Q3: 3614.66
Average -33 pts over 3 years

In 2024, the liquidity ratio of CREDIT AGRICOLE CENTRE LO... (447.93) 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
25.58x 2024
2022
2023
2024
Q1: -12.26x
Med: 0.0x
Q3: 5.03x
Excellent

In 2024, the interest coverage of CREDIT AGRICOLE CENTRE LO... (25.6x) 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: 25 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 69 days. Excellent situation: suppliers finance 44 days of the operating cycle (retail model). WCR is negative (-79 days): operations structurally generate cash. Notable WCR improvement over the period (-119%), 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

-506 296 €

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

25 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

69 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

-79 j

WCR and payment terms evolution
CREDIT AGRICOLE CENTRE LOIRE INVESTISSEMENT

Positioning of CREDIT AGRICOLE CENTRE LOIRE INVESTISSEMENT in its sector

Comparison with sector Activités des marchands de biens immobiliers

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (22 transactions). This range of 2 440 113€ to 3 856 613€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2024
Indicative
2440k€ 3395k€ 3856k€
3 395 231 € Range: 2 440 113€ - 3 856 613€
NAF 5 année 2024

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 22 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 marchands de biens immobiliers)

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

Voir toutes les statistiques du secteur Activités des marchands de biens immobiliers

Frequently asked questions about CREDIT AGRICOLE CENTRE LOIRE INVESTISSEMENT

What is the revenue of CREDIT AGRICOLE CENTRE LOIRE INVESTISSEMENT ?

The revenue of CREDIT AGRICOLE CENTRE LOIRE INVESTISSEMENT in 2024 is 2.3 M€.

Is CREDIT AGRICOLE CENTRE LOIRE INVESTISSEMENT profitable?

Yes, CREDIT AGRICOLE CENTRE LOIRE INVESTISSEMENT generated a net profit of 24 k€ in 2024.

Where is the headquarters of CREDIT AGRICOLE CENTRE LOIRE INVESTISSEMENT ?

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

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

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

CREDIT AGRICOLE CENTRE LOIRE INVESTISSEMENT operates in the sector Activités des marchands de biens immobiliers (NAF code 68.10Z). See the 'Sector positioning' section above to compare the company with its competitors.