CREDIT AGRICOLE IMMOBILIER PROMOTION : revenue, balance sheet and financial ratios

CREDIT AGRICOLE IMMOBILIER PROMOTION is a French company founded 31 years ago, specialized in the sector Promotion immobilière de logements. Based in MONTROUGE (92120), this company of category GE shows in 2024 a revenue of 18.3 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 IMMOBILIER PROMOTION (SIREN 397942004)
Indicator 2024 2023 2021 2020 2019 2018 2017 2016
Revenue 18 335 137 € 31 319 608 € 35 402 597 € 42 149 210 € 27 088 268 € 26 342 588 € 26 418 522 € 26 009 297 €
Net income -10 478 487 € 9 271 038 € 1 181 580 € -7 671 632 € 5 913 078 € -1 293 234 € 855 876 € 12 983 746 €
EBITDA -14 918 385 € -5 419 450 € -11 372 693 € -14 880 796 € -12 884 490 € -12 562 686 € -11 965 477 € -7 243 852 €
Net margin -57.1% 29.6% 3.3% -18.2% 21.8% -4.9% 3.2% 49.9%

Revenue and income statement

In 2024, CREDIT AGRICOLE IMMOBILIER PROMOTION achieves revenue of 18.3 M€. Activity remains stable over the period (CAGR: -4.3%). Significant drop of -41% vs 2023. After deducting consumption (0 €), gross margin stands at 18.3 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 -14.9 M€, representing -81.4% of revenue. Warning negative scissor effect: despite revenue change (-41%), EBITDA varies by -175%, reducing margin by 64.1 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -10.5 M€ (-57.1% 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

18 335 137 €

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

18 335 137 €

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

-14 918 385 €

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

-14 934 331 €

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

-10 478 487 €

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

-81.2%

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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 119%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 41%. 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 43.5 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 15.8% 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

119.351%

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

40.863%

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

15.846%

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

43.507

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

46.9%

Solvency indicators evolution
CREDIT AGRICOLE IMMOBILIER PROMOTION

Sector positioning

Debt ratio
119.35 2024
2021
2023
2024
Q1: 0.0
Med: 1.6
Q3: 105.23
Average

In 2024, the debt ratio of CREDIT AGRICOLE IMMOBILIE... (119.35) 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
40.86% 2024
2021
2023
2024
Q1: 0.0%
Med: 12.23%
Q3: 54.65%
Good +6 pts over 3 years

In 2024, the financial autonomy of CREDIT AGRICOLE IMMOBILIE... (40.9%) 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
43.51 years 2024
2021
2023
2024
Q1: -4.13 years
Med: 0.0 years
Q3: 1.24 years
Average +50 pts over 3 years

In 2024, the repayment capacity of CREDIT AGRICOLE IMMOBILIE... (43.51) 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 264.87. 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

264.873

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

-161.366

Liquidity indicators evolution
CREDIT AGRICOLE IMMOBILIER PROMOTION

Sector positioning

Liquidity ratio
264.87 2024
2021
2023
2024
Q1: 134.25
Med: 341.1
Q3: 1144.53
Average +8 pts over 3 years

In 2024, the liquidity ratio of CREDIT AGRICOLE IMMOBILIE... (264.87) 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
-161.37x 2024
2021
2023
2024
Q1: -13.11x
Med: 0.0x
Q3: 2.3x
Average

In 2024, the interest coverage of CREDIT AGRICOLE IMMOBILIE... (-161.4x) 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: 135 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 97 days. The gap of 38 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Inventory turnover is 44 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 471 days of revenue, i.e. 24.0 M€ to permanently finance.

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

24 011 879 €

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

135 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

97 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

44 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

471 j

WCR and payment terms evolution
CREDIT AGRICOLE IMMOBILIER PROMOTION

Positioning of CREDIT AGRICOLE IMMOBILIER PROMOTION 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 CREDIT AGRICOLE IMMOBILIER PROMOTION is estimated at 5 129 461 € (range 1 844 497€ - 12 615 608€). 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
1844k€ 5129k€ 12615k€
5 129 461 € Range: 1 844 497€ - 12 615 608€
NAF 5 all-time

Valuation method used

Revenue Multiple
18 335 137 € × 0.28x = 5 129 461 €
Range: 1 844 498€ - 12 615 608€

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 CREDIT AGRICOLE IMMOBILIER PROMOTION with other companies in the same sector:

Voir toutes les statistiques du secteur Promotion immobilière de logements

Frequently asked questions about CREDIT AGRICOLE IMMOBILIER PROMOTION

What is the revenue of CREDIT AGRICOLE IMMOBILIER PROMOTION ?

The revenue of CREDIT AGRICOLE IMMOBILIER PROMOTION in 2024 is 18.3 M€.

Is CREDIT AGRICOLE IMMOBILIER PROMOTION profitable?

CREDIT AGRICOLE IMMOBILIER PROMOTION recorded a net loss in 2024.

Where is the headquarters of CREDIT AGRICOLE IMMOBILIER PROMOTION ?

The headquarters of CREDIT AGRICOLE IMMOBILIER PROMOTION is located in MONTROUGE (92120), in the department Hauts-de-Seine.

Where to find the tax return of CREDIT AGRICOLE IMMOBILIER PROMOTION ?

The tax return of CREDIT AGRICOLE IMMOBILIER PROMOTION 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 IMMOBILIER PROMOTION operate?

CREDIT AGRICOLE IMMOBILIER PROMOTION 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.