SIREN : 388291429
CREDIT MUTUEL IMMOBILIER is a French company founded 33 years ago, specialized in the sector Activités des sièges sociaux. Based in ORVAULT (44700), this company of category GE shows in 2024 a revenue of 5.1 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5 122 340 € | 6 956 613 € | 6 449 245 € | 6 486 715 € | 5 571 549 € | 5 369 689 € | 4 535 488 € | 4 411 312 € | 4 092 124 € |
| Net income | 4 733 050 € | 7 587 238 € | 9 258 185 € | 4 546 245 € | 868 866 € | 5 054 333 € | 7 447 986 € | 5 645 091 € | 5 423 127 € |
| EBITDA | -1 081 235 € | 122 951 € | 30 497 € | -155 830 € | -427 837 € | -542 808 € | -913 878 € | -252 724 € | 111 474 € |
| Net margin | 92.4% | 109.1% | 143.6% | 70.1% | 15.6% | 94.1% | 164.2% | 128.0% | 132.5% |
In 2024, CREDIT MUTUEL IMMOBILIER achieves revenue of 5.1 M€. Revenue is growing positively over 9 years (CAGR: +2.8%). Significant drop of -26% vs 2023. After deducting consumption (0 €), gross margin stands at 5.1 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 -21.1% of revenue. Warning negative scissor effect: despite revenue change (-26%), EBITDA varies by -979%, reducing margin by 22.9 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 4.7 M€, i.e. 92.4% of revenue. This profit can be retained or distributed to shareholders.
5 122 340 €
5 122 340 €
-1 081 235 €
-537 073 €
4 733 050 €
-21.1%
The debt ratio (= Financial debt / Equity x 100) stands at 11%. 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 89%. 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 3.5 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 81.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
10.736%
88.729%
81.703%
3.537
11.9%
In 2024, the debt ratio of CREDIT MUTUEL IMMOBILIER (10.74) 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 MUTUEL IMMOBILIER (88.7%) 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 MUTUEL IMMOBILIER (3.54) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 2711.37. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
2711.373
-61.793
In 2024, the liquidity ratio of CREDIT MUTUEL IMMOBILIER (2711.37) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2024, the interest coverage of CREDIT MUTUEL IMMOBILIER (-61.8x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 21 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 80 days. Excellent situation: suppliers finance 59 days of the operating cycle (retail model). Inventory turnover is 52 days (= Average inventory / Cost of goods x 360). Overall, WCR represents 4027 days of revenue, i.e. 57.3 M€ to permanently finance. Over 2016-2024, WCR increased by +137%, requiring additional financing.
57 293 373 €
21 j
80 j
52 j
4027 j
Based on 103 transactions of similar company sales in 2024, the value of CREDIT MUTUEL IMMOBILIER is estimated at 19 161 155 € (range 6 733 902€ - 50 813 885€). The price/revenue ratio is 0.38x (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.
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This estimate is based on the analysis of 103 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 MUTUEL IMMOBILIER with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sièges sociaux
The revenue of CREDIT MUTUEL IMMOBILIER in 2024 is 5.1 M€.
Yes, CREDIT MUTUEL IMMOBILIER generated a net profit of 4.7 M€ in 2024.
The headquarters of CREDIT MUTUEL IMMOBILIER is located in ORVAULT (44700), in the department Loire-Atlantique.
The tax return of CREDIT MUTUEL IMMOBILIER 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 MUTUEL IMMOBILIER operates in the sector Activités des sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.