CREDIT AGRICOLE SOLUTIONS PATRIMONIALES : revenue, balance sheet and financial ratios

CREDIT AGRICOLE SOLUTIONS PATRIMONIALES is a French company founded 25 years ago, specialized in the sector Activités des sociétés holding. Based in MONTROUGE (92120), this company of category GE shows in 2024 a revenue of 3.9 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 SOLUTIONS PATRIMONIALES (SIREN 433373321)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 3 920 796 € 2 781 921 € 1 695 196 € 433 000 € N/C N/C N/C N/C N/C
Net income -10 397 € -85 590 € -128 180 € 242 765 € -4 553 € -5 355 € -5 503 € -5 555 € -5 436 €
EBITDA 1 066 179 € 799 116 € 374 393 € 310 834 € -3 854 € -4 765 € -4 839 € -4 867 € -4 755 €
Net margin -0.3% -3.1% -7.6% 56.1% N/C N/C N/C N/C N/C

Revenue and income statement

In 2024, CREDIT AGRICOLE SOLUTIONS PATRIMONIALES achieves revenue of 3.9 M€. Over the period 2021-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +108.4%. Vs 2023, growth of +41% (2.8 M€ -> 3.9 M€). After deducting consumption (0 €), gross margin stands at 3.9 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 1.1 M€, representing 27.2% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Net income is negative at -10 k€ (-0.3% 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

3 920 796 €

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

3 920 796 €

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

1 066 179 €

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

108 162 €

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

-10 397 €

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

27.2%

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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 5741%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 1%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 6.7 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 24.2% 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

5740.998%

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

0.915%

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

24.169%

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

6.695

Solvency indicators evolution
CREDIT AGRICOLE SOLUTIONS PATRIMONIALES

Sector positioning

Debt ratio
5741.0 2024
2022
2023
2024
Q1: 0.01
Med: 8.77
Q3: 62.6
Average +50 pts over 3 years

In 2024, the debt ratio of CREDIT AGRICOLE SOLUTIONS... (5741.00) 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
0.92% 2024
2022
2023
2024
Q1: 15.71%
Med: 62.26%
Q3: 91.3%
Average

In 2024, the financial autonomy of CREDIT AGRICOLE SOLUTIONS... (0.9%) 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
6.7 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.09 years
Q3: 3.07 years
Average +50 pts over 3 years

In 2024, the repayment capacity of CREDIT AGRICOLE SOLUTIONS... (6.70) 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 203.49. 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 24.2x. 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

203.489

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

24.223

Liquidity indicators evolution
CREDIT AGRICOLE SOLUTIONS PATRIMONIALES

Sector positioning

Liquidity ratio
203.49 2024
2022
2023
2024
Q1: 138.65
Med: 681.09
Q3: 3914.52
Average

In 2024, the liquidity ratio of CREDIT AGRICOLE SOLUTIONS... (203.49) 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
24.22x 2024
2022
2023
2024
Q1: -74.77x
Med: 0.0x
Q3: 0.0x
Excellent

In 2024, the interest coverage of CREDIT AGRICOLE SOLUTIONS... (24.2x) 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: 80 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 188 days. Excellent situation: suppliers finance 108 days of the operating cycle (retail model). WCR is negative (-204 days): operations structurally generate 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

-2 220 151 €

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

80 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

188 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

-204 j

WCR and payment terms evolution
CREDIT AGRICOLE SOLUTIONS PATRIMONIALES

Positioning of CREDIT AGRICOLE SOLUTIONS PATRIMONIALES in its sector

Comparison with sector Activités des sociétés holding

Valuation estimate

Based on 54 transactions of similar company sales in 2024, the value of CREDIT AGRICOLE SOLUTIONS PATRIMONIALES is estimated at 4 088 096 € (range 1 084 034€ - 6 582 299€). With an EBITDA of 1 066 179€, the sector multiple of 4.8x is applied. 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.

Estimated enterprise value 2024
54 tx
1084k€ 4088k€ 6582k€
4 088 096 € Range: 1 084 034€ - 6 582 299€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
1 066 179 € × 4.8x
Estimation 5 155 882 €
872 764€ - 8 885 089€
Revenue Multiple 30%
3 920 796 € × 0.59x
Estimation 2 308 454 €
1 436 150€ - 2 744 316€

Valuation evolution

How is this estimate calculated?

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.

  • 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 SOLUTIONS PATRIMONIALES with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sociétés holding

Frequently asked questions about CREDIT AGRICOLE SOLUTIONS PATRIMONIALES

What is the revenue of CREDIT AGRICOLE SOLUTIONS PATRIMONIALES ?

The revenue of CREDIT AGRICOLE SOLUTIONS PATRIMONIALES in 2024 is 3.9 M€.

Is CREDIT AGRICOLE SOLUTIONS PATRIMONIALES profitable?

CREDIT AGRICOLE SOLUTIONS PATRIMONIALES recorded a net loss in 2024.

Where is the headquarters of CREDIT AGRICOLE SOLUTIONS PATRIMONIALES ?

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

Where to find the tax return of CREDIT AGRICOLE SOLUTIONS PATRIMONIALES ?

The tax return of CREDIT AGRICOLE SOLUTIONS PATRIMONIALES 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 SOLUTIONS PATRIMONIALES operate?

CREDIT AGRICOLE SOLUTIONS PATRIMONIALES 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.