CREDIT AGRICOLE MY LOIRE VALLEY : revenue, balance sheet and financial ratios

CREDIT AGRICOLE MY LOIRE VALLEY is a French company founded 8 years ago, specialized in the sector Portails Internet. Based in SAINT-JEAN-DE-BRAYE (45800), this company of category GE shows in 2024 a revenue of 295 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 MY LOIRE VALLEY (SIREN 830789434)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017
Revenue 295 328 € 357 533 € 427 490 € 405 638 € 257 859 € 357 825 € 155 080 € 28 482 €
Net income -255 851 € -115 170 € -43 401 € 17 915 € 77 060 € -113 447 € -150 979 € -76 209 €
EBITDA -241 138 € -111 078 € -34 244 € 26 558 € -136 750 € -148 304 € -119 830 € -74 499 €
Net margin -86.6% -32.2% -10.2% 4.4% 29.9% -31.7% -97.4% -267.6%

Revenue and income statement

In 2024, CREDIT AGRICOLE MY LOIRE VALLEY achieves revenue of 295 k€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +39.7%. Significant drop of -17% vs 2023. After deducting consumption (0 €), gross margin stands at 295 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 -241 k€, representing -81.7% of revenue. Warning negative scissor effect: despite revenue change (-17%), EBITDA varies by -117%, reducing margin by 50.6 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -256 k€ (-86.6% 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

295 328 €

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

295 328 €

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

-241 138 €

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

-247 092 €

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

-255 851 €

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

-80.6%

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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 -275%. 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 -28%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

-275.332%

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

-28.23%

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

-83.36%

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

-1.435

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

77.5%

Solvency indicators evolution
CREDIT AGRICOLE MY LOIRE VALLEY

Sector positioning

Debt ratio
-275.33 2024
2022
2023
2024
Q1: 0.0
Med: 0.01
Q3: 32.77
Excellent

In 2024, the debt ratio of CREDIT AGRICOLE MY LOIRE ... (-275.33) 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
-28.23% 2024
2022
2023
2024
Q1: 0.0%
Med: 24.9%
Q3: 59.15%
Average -50 pts over 3 years

In 2024, the financial autonomy of CREDIT AGRICOLE MY LOIRE ... (-28.2%) 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
-1.44 years 2024
2022
2023
2024
Q1: -0.51 years
Med: 0.0 years
Q3: 0.11 years
Excellent -25 pts over 3 years

In 2024, the repayment capacity of CREDIT AGRICOLE MY LOIRE ... (-1.44) 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 93.49. 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

93.49

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

-3.077

Liquidity indicators evolution
CREDIT AGRICOLE MY LOIRE VALLEY

Sector positioning

Liquidity ratio
93.49 2024
2022
2023
2024
Q1: 95.83
Med: 210.6
Q3: 438.44
Watch -11 pts over 3 years

In 2024, the liquidity ratio of CREDIT AGRICOLE MY LOIRE ... (93.49) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
-3.08x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 0.0x
Average

In 2024, the interest coverage of CREDIT AGRICOLE MY LOIRE ... (-3.1x) 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: 92 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 150 days. Excellent situation: suppliers finance 58 days of the operating cycle (retail model). Overall, WCR represents 41 days of revenue, i.e. 34 k€ 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

33 951 €

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

92 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

150 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

41 j

WCR and payment terms evolution
CREDIT AGRICOLE MY LOIRE VALLEY

Positioning of CREDIT AGRICOLE MY LOIRE VALLEY in its sector

Comparison with sector Portails Internet

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (37 transactions). This range of 35 037€ to 249 548€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2024
Indicative
35k€ 70k€ 249k€
70 833 € Range: 35 037€ - 249 548€
NAF 4 all-time Aggregated at NAF sub-class level
How is this estimate calculated?

This estimate is based on the analysis of 37 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 (Portails Internet)

Compare CREDIT AGRICOLE MY LOIRE VALLEY with other companies in the same sector:

Voir toutes les statistiques du secteur Portails Internet

Frequently asked questions about CREDIT AGRICOLE MY LOIRE VALLEY

What is the revenue of CREDIT AGRICOLE MY LOIRE VALLEY ?

The revenue of CREDIT AGRICOLE MY LOIRE VALLEY in 2024 is 295 k€.

Is CREDIT AGRICOLE MY LOIRE VALLEY profitable?

CREDIT AGRICOLE MY LOIRE VALLEY recorded a net loss in 2024.

Where is the headquarters of CREDIT AGRICOLE MY LOIRE VALLEY ?

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

Where to find the tax return of CREDIT AGRICOLE MY LOIRE VALLEY ?

The tax return of CREDIT AGRICOLE MY LOIRE VALLEY 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 MY LOIRE VALLEY operate?

CREDIT AGRICOLE MY LOIRE VALLEY operates in the sector Portails Internet (NAF code 63.12Z). See the 'Sector positioning' section above to compare the company with its competitors.