SIREN : 441384898
CREDYS FRANCE is a French company founded 24 years ago, specialized in the sector Programmation informatique. Based in VILLENNES-SUR-SEINE (78670), this company of category PME shows in 2017 a revenue of 422 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
| Indicator | 2017 |
|---|---|
| Revenue | 421 730 € |
| Net income | 71 995 € |
| EBITDA | 75 228 € |
| Net margin | 17.1% |
In 2017, CREDYS FRANCE achieves revenue of 422 k€. After deducting consumption (1 k€), gross margin stands at 420 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 75 k€, representing 17.8% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 72 k€, i.e. 17.1% of revenue. This profit can be retained or distributed to shareholders.
421 730 €
420 442 €
75 228 €
73 711 €
71 995 €
17.8%
The debt ratio (= Financial debt / Equity x 100) stands at 4%. 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 75%. 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 0.4 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 17.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
3.806%
74.708%
17.435%
0.36
17.1%
In 2017, the debt ratio of CREDYS FRANCE (3.81) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2017, the financial autonomy of CREDYS FRANCE (74.7%) 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 2017, the repayment capacity of CREDYS FRANCE (0.36) 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 161.92. 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 0.7x. Danger: operating income does not cover interest charges, unsustainable situation.
161.918
0.674
In 2017, the liquidity ratio of CREDYS FRANCE (161.92) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.
In 2017, the interest coverage of CREDYS FRANCE (0.7x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 96 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 106 days. Favorable situation: supplier credit is longer than customer credit by 10 days. Overall, WCR represents 159 days of revenue, i.e. 186 k€ to permanently finance.
186 008 €
96 j
106 j
0 j
159 j
Based on 120 transactions of similar company sales (all years), the value of CREDYS FRANCE is estimated at 149 000 € (range 69 169€ - 399 729€). With an EBITDA of 75 228€, the sector multiple of 2.2x is applied. The price/revenue ratio is 0.27x (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 120 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 CREDYS FRANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Programmation informatique
The revenue of CREDYS FRANCE in 2017 is 422 k€.
Yes, CREDYS FRANCE generated a net profit of 72 k€ in 2017.
The headquarters of CREDYS FRANCE is located in VILLENNES-SUR-SEINE (78670), in the department Yvelines.
The tax return of CREDYS FRANCE 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).
CREDYS FRANCE operates in the sector Programmation informatique (NAF code 62.01Z). See the 'Sector positioning' section above to compare the company with its competitors.