SIREN : 435018874
CREDIT CONSEIL is a French company founded 25 years ago, specialized in the sector Gestion de fonds. Based in SAINT-JACQUES-DE-LA-LANDE (35136), this company of category PME shows in 2024 a revenue of 156 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 155 965 € | 115 589 € | 93 054 € | 87 135 € | 80 863 € | 87 088 € | 81 017 € | 81 747 € | 81 998 € |
| Net income | 448 661 € | 25 137 € | 2 447 € | 89 205 € | 18 697 € | 17 369 € | 18 451 € | 19 138 € | 16 587 € |
| EBITDA | 14 184 € | 10 612 € | 2 601 € | 7 € | 6 890 € | 7 896 € | 7 150 € | 6 724 € | 6 623 € |
| Net margin | 287.7% | 21.7% | 2.6% | 102.4% | 23.1% | 19.9% | 22.8% | 23.4% | 20.2% |
In 2024, CREDIT CONSEIL achieves revenue of 156 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +8.4%. Vs 2023, growth of +35% (116 k€ -> 156 k€). After deducting consumption (0 €), gross margin stands at 156 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 14 k€, representing 9.1% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 449 k€, i.e. 287.7% of revenue. This profit can be retained or distributed to shareholders.
155 965 €
155 965 €
14 184 €
14 179 €
448 661 €
9.1%
The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 95%. 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 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 287.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.07%
95.352%
287.668%
0.002
In 2024, the debt ratio of CREDIT CONSEIL (0.07) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of CREDIT CONSEIL (95.3%) 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.
In 2024, the repayment capacity of CREDIT CONSEIL (0.00) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
The liquidity ratio (= Current assets / Current liabilities) stands at 1084.60. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
1084.603
0.0
In 2024, the liquidity ratio of CREDIT CONSEIL (1084.60) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2024, the interest coverage of CREDIT CONSEIL (0.0x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 211 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 193 days. The company must finance 18 days of gap between collections and payments. Overall, WCR represents 167 days of revenue, i.e. 72 k€ to permanently finance. Over 2016-2024, WCR increased by +533%, requiring additional financing.
72 149 €
211 j
193 j
0 j
167 j
Based on 62 transactions of similar company sales
in 2024,
the value of CREDIT CONSEIL is estimated at
711 502 €
(range 206 261€ - 1 430 192€).
With an EBITDA of 14 184€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.30x
(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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 62 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare CREDIT CONSEIL with other companies in the same sector:
The revenue of CREDIT CONSEIL in 2024 is 156 k€.
Yes, CREDIT CONSEIL generated a net profit of 449 k€ in 2024.
The headquarters of CREDIT CONSEIL is located in SAINT-JACQUES-DE-LA-LANDE (35136), in the department Ille-et-Vilaine.
The tax return of CREDIT CONSEIL 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).
CREDIT CONSEIL operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.