CREDIT MUTUEL PARTICIPATIONS IMMOBILIERES : revenue, balance sheet and financial ratios

CREDIT MUTUEL PARTICIPATIONS IMMOBILIERES is a French company founded 44 years ago, specialized in the sector Fonds de placement et entités financières similaires. Based in STRASBOURG (67000), this company of category GE shows in 2023 a revenue of 333 k€. 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 PARTICIPATIONS IMMOBILIERES (SIREN 323036186)
Indicator 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 332 980 € 266 680 € 167 978 € 23 000 € N/C 3 087 € 140 983 € N/C
Net income -1 594 246 € 1 686 927 € 548 786 € 265 840 € 331 374 € 1 148 249 € 1 102 506 € 2 117 112 €
EBITDA -2 587 693 € -3 793 851 € -2 579 563 € -2 355 773 € -2 872 491 € -1 641 836 € -1 134 640 € -1 326 511 €
Net margin -478.8% 632.6% 326.7% 1155.8% N/C 37196.3% 782.0% N/C

Revenue and income statement

In 2023, CREDIT MUTUEL PARTICIPATIONS IMMOBILIERES achieves revenue of 333 k€. Over the period 2017-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +15.4%. Vs 2022, growth of +25% (267 k€ -> 333 k€). After deducting consumption (0 €), gross margin stands at 333 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 -2.6 M€, representing -777.1% of revenue. Positive scissor effect: EBITDA margin improves by +645.5 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -1.6 M€ (-478.8% 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

332 980 €

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

332 980 €

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

-2 587 693 €

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

-3 054 652 €

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

-1 594 246 €

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

-777.1%

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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 53%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 60%. 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 8.0 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 722.8% 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 (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

53.065%

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

59.788%

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

722.833%

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

8.045

Solvency indicators evolution
CREDIT MUTUEL PARTICIPATIONS IMMOBILIERES

Sector positioning

Debt ratio
53.06 2023
2021
2022
2023
Q1: 0.02
Med: 13.01
Q3: 113.78
Average +26 pts over 3 years

In 2023, the debt ratio of CREDIT MUTUEL PARTICIPATI... (53.06) 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
59.79% 2023
2021
2022
2023
Q1: 15.8%
Med: 60.29%
Q3: 91.58%
Average -25 pts over 3 years

In 2023, the financial autonomy of CREDIT MUTUEL PARTICIPATI... (59.8%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
8.04 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.12 years
Q3: 4.47 years
Average +50 pts over 3 years

In 2023, the repayment capacity of CREDIT MUTUEL PARTICIPATI... (8.04) 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 1841.69. 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

1841.69

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

-192.72

Liquidity indicators evolution
CREDIT MUTUEL PARTICIPATIONS IMMOBILIERES

Sector positioning

Liquidity ratio
1841.69 2023
2021
2022
2023
Q1: 139.34
Med: 883.94
Q3: 5556.79
Good -7 pts over 3 years

In 2023, the liquidity ratio of CREDIT MUTUEL PARTICIPATI... (1841.69) 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
-192.72x 2023
2021
2022
2023
Q1: -106.29x
Med: -3.78x
Q3: 0.0x
Average -10 pts over 3 years

In 2023, the interest coverage of CREDIT MUTUEL PARTICIPATI... (-192.7x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 16 days. Favorable situation: supplier credit is longer than customer credit by 16 days. Overall, WCR represents 30450 days of revenue, i.e. 28.2 M€ to permanently finance.

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

28 164 557 €

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

0 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

16 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

0 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

30450 j

WCR and payment terms evolution
CREDIT MUTUEL PARTICIPATIONS IMMOBILIERES

Positioning of CREDIT MUTUEL PARTICIPATIONS IMMOBILIERES in its sector

Comparison with sector Fonds de placement et entités financières similaires

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (25 transactions). This range of 193 763€ to 254 133€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2023
Indicative
193k€ 215k€ 254k€
215 730 € Range: 193 763€ - 254 133€
NAF 5 année 2023

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 25 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 (Fonds de placement et entités financières similaires)

Compare CREDIT MUTUEL PARTICIPATIONS IMMOBILIERES with other companies in the same sector:

Voir toutes les statistiques du secteur Fonds de placement et entités financières similaires

Frequently asked questions about CREDIT MUTUEL PARTICIPATIONS IMMOBILIERES

What is the revenue of CREDIT MUTUEL PARTICIPATIONS IMMOBILIERES ?

The revenue of CREDIT MUTUEL PARTICIPATIONS IMMOBILIERES in 2023 is 333 k€.

Is CREDIT MUTUEL PARTICIPATIONS IMMOBILIERES profitable?

CREDIT MUTUEL PARTICIPATIONS IMMOBILIERES recorded a net loss in 2023.

Where is the headquarters of CREDIT MUTUEL PARTICIPATIONS IMMOBILIERES ?

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

Where to find the tax return of CREDIT MUTUEL PARTICIPATIONS IMMOBILIERES ?

The tax return of CREDIT MUTUEL PARTICIPATIONS IMMOBILIERES 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 PARTICIPATIONS IMMOBILIERES operate?

CREDIT MUTUEL PARTICIPATIONS IMMOBILIERES operates in the sector Fonds de placement et entités financières similaires (NAF code 64.30Z). See the 'Sector positioning' section above to compare the company with its competitors.