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

CREDIT MUTUEL REALISATIONS IMMOBILIERES is a French company founded 45 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 956 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 REALISATIONS IMMOBILIERES (SIREN 320005234)
Indicator 2023 2021 2020 2019 2018 2017 2016
Revenue 956 070 € 1 657 485 € 1 041 475 € 2 365 609 € 2 005 285 € 1 660 660 € 1 024 605 €
Net income -811 149 € 1 130 566 € 221 357 € -402 934 € 731 277 € 191 277 € 684 592 €
EBITDA 44 360 € -71 398 € -409 728 € -1 381 484 € -577 803 € 140 024 € 94 350 €
Net margin -84.8% 68.2% 21.3% -17.0% 36.5% 11.5% 66.8%

Revenue and income statement

In 2023, CREDIT MUTUEL REALISATIONS IMMOBILIERES achieves revenue of 956 k€. Activity remains stable over the period (CAGR: -1.0%). Significant drop of -42% vs 2021. After deducting consumption (-143 k€), gross margin stands at 1.1 M€, i.e. a rate of 115%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 44 k€, representing 4.6% of revenue. Positive scissor effect: EBITDA margin improves by +8.9 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -811 k€ (-84.8% 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

956 070 €

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

1 099 100 €

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

44 360 €

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

-259 025 €

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

-811 149 €

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

4.6%

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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 112%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 42%. 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 19.2 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 26.5% 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

111.558%

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

42.015%

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

26.459%

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

19.18

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

7.4%

Solvency indicators evolution
CREDIT MUTUEL REALISATIONS IMMOBILIERES

Sector positioning

Debt ratio
111.56 2023
2020
2021
2023
Q1: 0.0
Med: 5.81
Q3: 124.18
Average +9 pts over 3 years

In 2023, the debt ratio of CREDIT MUTUEL REALISATION... (111.56) 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
42.02% 2023
2020
2021
2023
Q1: 0.0%
Med: 14.0%
Q3: 54.07%
Good

In 2023, the financial autonomy of CREDIT MUTUEL REALISATION... (42.0%) 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
19.18 years 2023
2020
2021
2023
Q1: -4.46 years
Med: 0.0 years
Q3: 1.58 years
Average

In 2023, the repayment capacity of CREDIT MUTUEL REALISATION... (19.18) 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 1967.98. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 3393.8x. Operating income very largely covers interest expenses: high safety margin.

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

1967.98

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

3393.832

Liquidity indicators evolution
CREDIT MUTUEL REALISATIONS IMMOBILIERES

Sector positioning

Liquidity ratio
1967.98 2023
2020
2021
2023
Q1: 141.01
Med: 351.89
Q3: 1123.94
Excellent

In 2023, the liquidity ratio of CREDIT MUTUEL REALISATION... (1967.98) 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.

Interest coverage
3393.83x 2023
2020
2021
2023
Q1: -7.83x
Med: 0.0x
Q3: 3.21x
Excellent +50 pts over 3 years

In 2023, the interest coverage of CREDIT MUTUEL REALISATION... (3393.8x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 86 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 64 days. The company must finance 22 days of gap between collections and payments. Inventory turnover is 302 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 1421 days of revenue, i.e. 3.8 M€ to permanently finance. Notable WCR improvement over the period (-60%), freeing up cash.

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

3 774 909 €

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

86 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

64 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

302 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

1421 j

WCR and payment terms evolution
CREDIT MUTUEL REALISATIONS IMMOBILIERES

Positioning of CREDIT MUTUEL REALISATIONS IMMOBILIERES 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 REALISATIONS IMMOBILIERES is estimated at 128 120 € (range 47 554€ - 331 294€). With an EBITDA of 44 360€, the sector multiple of 1.0x is applied. 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
47k€ 128k€ 331k€
128 120 € Range: 47 554€ - 331 294€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
44 360 € × 1.0x
Estimation 44 509 €
18 380€ - 135 373€
Revenue Multiple 30%
956 070 € × 0.28x
Estimation 267 471 €
96 180€ - 657 830€
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 REALISATIONS IMMOBILIERES with other companies in the same sector:

Voir toutes les statistiques du secteur Promotion immobilière de logements

Frequently asked questions about CREDIT MUTUEL REALISATIONS IMMOBILIERES

What is the revenue of CREDIT MUTUEL REALISATIONS IMMOBILIERES ?

The revenue of CREDIT MUTUEL REALISATIONS IMMOBILIERES in 2023 is 956 k€.

Is CREDIT MUTUEL REALISATIONS IMMOBILIERES profitable?

CREDIT MUTUEL REALISATIONS IMMOBILIERES recorded a net loss in 2023.

Where is the headquarters of CREDIT MUTUEL REALISATIONS IMMOBILIERES ?

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

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

The tax return of CREDIT MUTUEL REALISATIONS 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 REALISATIONS IMMOBILIERES operate?

CREDIT MUTUEL REALISATIONS IMMOBILIERES 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.