CREDIT MUTUEL AMENAGEMENT FONCIER : revenue, balance sheet and financial ratios

CREDIT MUTUEL AMENAGEMENT FONCIER is a French company founded 13 years ago, specialized in the sector Promotion immobilière de logements. Based in STRASBOURG (67000), this company of category GE shows in 2023 a revenue of 58.7 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 MUTUEL AMENAGEMENT FONCIER (SIREN 788797926)
Indicator 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 58 667 390 € 58 933 536 € 53 295 190 € 45 917 806 € 57 642 792 € 58 340 409 € 67 010 346 € 46 844 698 €
Net income -6 488 810 € 93 734 € 4 234 497 € 1 972 585 € 3 367 748 € 48 292 € 2 036 177 € 1 900 717 €
EBITDA -21 647 512 € -1 314 232 € -2 374 155 € -3 029 919 € -2 389 208 € 4 245 202 € 46 532 337 € -993 736 €
Net margin -11.1% 0.2% 7.9% 4.3% 5.8% 0.1% 3.0% 4.1%

Revenue and income statement

In 2023, CREDIT MUTUEL AMENAGEMENT FONCIER achieves revenue of 58.7 M€. Revenue is growing positively over 8 years (CAGR: +3.3%). Slight decline of -0% vs 2022. After deducting consumption (18.8 M€), gross margin stands at 39.8 M€, i.e. a rate of 68%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -21.6 M€, representing -36.9% of revenue. Warning negative scissor effect: despite revenue change (-0%), EBITDA varies by -1547%, reducing margin by 34.7 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -6.5 M€ (-11.1% of revenue), which will impact equity.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

58 667 390 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

39 835 870 €

EBITDA (2023) ?
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

-21 647 512 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-9 636 688 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-6 488 810 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-36.9%

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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 99%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 29%. The balance between equity and debt is satisfactory.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

99.498%

Financial autonomy (2023) ?
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

29.292%

Cash flow / Revenue (2023) ?
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

-31.958%

Repayment capacity (2023) ?
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

-3.734

Asset age ratio (2023) ?
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

45.9%

Solvency indicators evolution
CREDIT MUTUEL AMENAGEMENT FONCIER

Sector positioning

Debt ratio
99.5 2023
2021
2022
2023
Q1: 0.0
Med: 5.81
Q3: 124.18
Average +5 pts over 3 years

In 2023, the debt ratio of CREDIT MUTUEL AMENAGEMENT... (99.50) 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
29.29% 2023
2021
2022
2023
Q1: 0.0%
Med: 14.0%
Q3: 54.07%
Good

In 2023, the financial autonomy of CREDIT MUTUEL AMENAGEMENT... (29.3%) 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
-3.73 years 2023
2021
2022
2023
Q1: -4.46 years
Med: 0.0 years
Q3: 1.58 years
Good

In 2023, the repayment capacity of CREDIT MUTUEL AMENAGEMENT... (-3.73) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 351.74. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

351.741

Interest coverage (2023) ?
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

-23.731

Liquidity indicators evolution
CREDIT MUTUEL AMENAGEMENT FONCIER

Sector positioning

Liquidity ratio
351.74 2023
2021
2022
2023
Q1: 141.01
Med: 351.89
Q3: 1123.94
Good

In 2023, the liquidity ratio of CREDIT MUTUEL AMENAGEMENT... (351.74) 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.

Interest coverage
-23.73x 2023
2021
2022
2023
Q1: -7.83x
Med: 0.0x
Q3: 3.21x
Average

In 2023, the interest coverage of CREDIT MUTUEL AMENAGEMENT... (-23.7x) 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: 59 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 186 days. Excellent situation: suppliers finance 127 days of the operating cycle (retail model). Inventory turnover is 965 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 1104 days of revenue, i.e. 179.9 M€ to permanently finance. Over 2016-2023, WCR increased by +68%, requiring additional financing.

Operating WCR (2023) ?
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

179 897 685 €

Customer credit (2023) ?
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

59 j

Supplier credit (2023) ?
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

186 j

Inventory turnover (2023) ?
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

965 j

WCR in days of revenue (2023) ?
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

1104 j

WCR and payment terms evolution
CREDIT MUTUEL AMENAGEMENT FONCIER

Positioning of CREDIT MUTUEL AMENAGEMENT FONCIER 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 MUTUEL AMENAGEMENT FONCIER is estimated at 16 412 863 € (range 5 901 884€ - 40 366 472€). 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 2023
80 tx
5901k€ 16412k€ 40366k€
16 412 863 € Range: 5 901 884€ - 40 366 472€
NAF 5 all-time

Valuation method used

Revenue Multiple
58 667 390 € × 0.28x = 16 412 864 €
Range: 5 901 884€ - 40 366 473€

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 MUTUEL AMENAGEMENT FONCIER with other companies in the same sector:

Voir toutes les statistiques du secteur Promotion immobilière de logements

Frequently asked questions about CREDIT MUTUEL AMENAGEMENT FONCIER

What is the revenue of CREDIT MUTUEL AMENAGEMENT FONCIER ?

The revenue of CREDIT MUTUEL AMENAGEMENT FONCIER in 2023 is 58.7 M€.

Is CREDIT MUTUEL AMENAGEMENT FONCIER profitable?

CREDIT MUTUEL AMENAGEMENT FONCIER recorded a net loss in 2023.

Where is the headquarters of CREDIT MUTUEL AMENAGEMENT FONCIER ?

The headquarters of CREDIT MUTUEL AMENAGEMENT FONCIER is located in STRASBOURG (67000), in the department Bas-Rhin.

Where to find the tax return of CREDIT MUTUEL AMENAGEMENT FONCIER ?

The tax return of CREDIT MUTUEL AMENAGEMENT FONCIER 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 MUTUEL AMENAGEMENT FONCIER operate?

CREDIT MUTUEL AMENAGEMENT FONCIER 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.