SIREN : 349974931
CREDIT COOPERATIF is a French company founded 37 years ago, specialized in the sector Autres intermédiations monétaires. Based in NANTERRE (92000), this company of category GE shows in 2024 a revenue of 387.2 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2019 | 2018 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 387 205 000 € | 380 364 000 € | 366 777 000 € | N/C | N/C | N/C | N/C |
| Net income | 31 295 000 € | 0 € | 0 € | 19 705 000 € | 38 428 000 € | 3 750 278 178 000 € | 0 € |
| EBITDA | 117 125 000 € | 380 364 000 € | 366 777 000 € | -84 129 000 € | N/C | N/C | -380 711 € |
| Net margin | 8.1% | 0.0% | 0.0% | N/C | N/C | N/C | N/C |
In 2024, CREDIT COOPERATIF achieves revenue of 387.2 M€. Revenue is growing positively over 7 years (CAGR: +2.7%). Vs 2023: +2%. After deducting consumption (0 €), gross margin stands at 387.2 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 117.1 M€, representing 30.2% of revenue. Warning negative scissor effect: despite revenue change (+2%), EBITDA varies by -69%, reducing margin by 69.8 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 31.3 M€, i.e. 8.1% of revenue. This profit can be retained or distributed to shareholders.
387 205 000 €
387 205 000 €
117 125 000 €
65 339 000 €
31 295 000 €
30.2%
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 7%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 28.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.0%
7.083%
28.62%
0.0
In 2024, the debt ratio of CREDIT COOPERATIF (0.00) 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.
In 2024, the financial autonomy of CREDIT COOPERATIF (7.1%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of CREDIT COOPERATIF (0.00) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 0.00. Alert: short-term debt exceeds current assets. Risk of payment difficulties without cash reinforcement. The interest coverage ratio (= EBIT / Interest expenses) is 19.5x. Operating income very largely covers interest expenses: high safety margin.
0.0
19.524
In 2024, the liquidity ratio of CREDIT COOPERATIF (0.00) 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.
In 2024, the interest coverage of CREDIT COOPERATIF (19.5x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Overall, WCR represents 1171 days of revenue, i.e. 1.3 Bn€ to permanently finance.
1 259 461 704 €
0 j
0 j
0 j
1171 j
Based on 82 transactions of similar company sales
in 2024,
the value of CREDIT COOPERATIF is estimated at
499 730 005 €
(range 111 120 972€ - 729 557 610€).
With an EBITDA of 117 125 000€, the sector multiple of 6.9x 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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 82 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 COOPERATIF with other companies in the same sector:
Voir toutes les statistiques du secteur Autres intermédiations monétaires
The revenue of CREDIT COOPERATIF in 2024 is 387.2 M€.
Yes, CREDIT COOPERATIF generated a net profit of 31.3 M€ in 2024.
The headquarters of CREDIT COOPERATIF is located in NANTERRE (92000), in the department Hauts-de-Seine.
The tax return of CREDIT COOPERATIF 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 COOPERATIF operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.