CREDIT MUTUEL EQUITY : revenue, balance sheet and financial ratios

CREDIT MUTUEL EQUITY is a French company founded 70 years ago, specialized in the sector Courtage de valeurs mobilières et de marchandises. Based in PARIS (75001), this company of category GE shows in 2024 a revenue of 20.8 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

Financial history - CREDIT MUTUEL EQUITY (SIREN 562118299)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 20 780 897 € 18 055 016 € 11 254 669 € 11 486 135 € 9 862 819 € 10 877 647 € 8 096 696 € 7 734 010 € 7 060 377 €
Net income 83 195 577 € 32 852 825 € 186 634 463 € 18 346 484 € 11 709 805 € 110 926 715 € 3 644 860 € 4 115 036 € 4 750 941 €
EBITDA -3 573 045 € 46 802 688 € -12 307 872 € -12 409 619 € -11 562 295 € 32 464 398 € 26 356 852 € 24 075 411 € -6 185 297 €
Net margin 400.3% 182.0% 1658.3% 159.7% 118.7% 1019.8% 45.0% 53.2% 67.3%

Revenue and income statement

In 2024, CREDIT MUTUEL EQUITY achieves revenue of 20.8 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +14.4%. Vs 2023, growth of +15% (18.1 M€ -> 20.8 M€). After deducting consumption (26 k€), gross margin stands at 20.8 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 -3.6 M€, representing -17.2% of revenue. Warning negative scissor effect: despite revenue change (+15%), EBITDA varies by -108%, reducing margin by 276.4 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 83.2 M€, i.e. 400.3% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

20 780 897 €

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

20 755 085 €

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

-3 573 045 €

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

-4 314 879 €

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

83 195 577 €

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

-17.2%

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Chart evolution

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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 12%. 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 88%. 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 2.8 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 394.7% 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

12.391%

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

88.152%

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

394.674%

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

2.807

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

78.3%

Solvency indicators evolution
CREDIT MUTUEL EQUITY

Sector positioning

Debt ratio
12.39 2024
2022
2023
2024
Q1: 0.0
Med: 5.88
Q3: 53.13
Average

In 2024, the debt ratio of CREDIT MUTUEL EQUITY (12.39) 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
88.15% 2024
2022
2023
2024
Q1: 16.69%
Med: 61.03%
Q3: 89.71%
Good

In 2024, the financial autonomy of CREDIT MUTUEL EQUITY (88.2%) 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
2.81 years 2024
2022
2023
2024
Q1: -0.15 years
Med: 0.0 years
Q3: 2.64 years
Average +11 pts over 3 years

In 2024, the repayment capacity of CREDIT MUTUEL EQUITY (2.81) 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 761.11. 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

761.114

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

-282.582

Liquidity indicators evolution
CREDIT MUTUEL EQUITY

Sector positioning

Liquidity ratio
761.11 2024
2022
2023
2024
Q1: 127.06
Med: 438.89
Q3: 2916.8
Good

In 2024, the liquidity ratio of CREDIT MUTUEL EQUITY (761.11) 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
-282.58x 2024
2022
2023
2024
Q1: -42.08x
Med: 0.0x
Q3: 0.09x
Average -19 pts over 3 years

In 2024, the interest coverage of CREDIT MUTUEL EQUITY (-282.6x) 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: 84 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 27 days. The gap of 57 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 518 days of revenue, i.e. 29.9 M€ to permanently finance. Over 2016-2024, WCR increased by +220%, requiring additional financing.

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

29 883 969 €

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

84 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

27 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

518 j

WCR and payment terms evolution
CREDIT MUTUEL EQUITY

Positioning of CREDIT MUTUEL EQUITY in its sector

Comparison with sector Courtage de valeurs mobilières et de marchandises

Valuation estimate

Based on 109 transactions of similar company sales (all years), the value of CREDIT MUTUEL EQUITY is estimated at 115 099 083 € (range 35 448 380€ - 295 684 216€). 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.

Estimated enterprise value 2024
109 transactions
35448k€ 115099k€ 295684k€
115 099 083 € Range: 35 448 380€ - 295 684 216€
NAF 4 all-time Aggregated at NAF sub-class level

Valuation detail by method

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Revenue Multiple 30%
20 780 897 € × 0.30x
Estimation 6 234 292 €
3 084 815€ - 15 679 079€
Net Income Multiple 20%
83 195 577 € × 3.3x
Estimation 278 396 270 €
83 993 727€ - 715 691 924€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 109 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 (Courtage de valeurs mobilières et de marchandises)

Compare CREDIT MUTUEL EQUITY with other companies in the same sector:

Voir toutes les statistiques du secteur Courtage de valeurs mobilières et de marchandises

Frequently asked questions about CREDIT MUTUEL EQUITY

What is the revenue of CREDIT MUTUEL EQUITY ?

The revenue of CREDIT MUTUEL EQUITY in 2024 is 20.8 M€.

Is CREDIT MUTUEL EQUITY profitable?

Yes, CREDIT MUTUEL EQUITY generated a net profit of 83.2 M€ in 2024.

Where is the headquarters of CREDIT MUTUEL EQUITY ?

The headquarters of CREDIT MUTUEL EQUITY is located in PARIS (75001), in the department Paris.

Where to find the tax return of CREDIT MUTUEL EQUITY ?

The tax return of CREDIT MUTUEL EQUITY 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 EQUITY operate?

CREDIT MUTUEL EQUITY operates in the sector Courtage de valeurs mobilières et de marchandises (NAF code 66.12Z). See the 'Sector positioning' section above to compare the company with its competitors.