SIREN : 897460432
CREMAFINANCE is a French company founded 5 years ago, specialized in the sector Gestion de fonds. Based in SAINT-MELAINE-SUR-AUBANCE (49610), this company of category PME shows in 2024 a revenue of 152 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-25
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Revenue | 152 000 € | 223 000 € | 147 000 € | 17 000 € |
| Net income | 2 219 212 € | 16 406 € | -269 € | -12 324 € |
| EBITDA | 13 608 € | 33 650 € | 24 040 € | 2 124 € |
| Net margin | 1460.0% | 7.4% | -0.2% | -72.5% |
In 2024, CREMAFINANCE achieves revenue of 152 k€. Over the period 2021-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +107.6%. Significant drop of -32% vs 2023. After deducting consumption (0 €), gross margin stands at 152 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 14 k€, representing 9.0% of revenue. Warning negative scissor effect: despite revenue change (-32%), EBITDA varies by -60%, reducing margin by 6.1 pts. This reflects costs rising faster than revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 2.2 M€, i.e. 1460.0% of revenue. This profit can be retained or distributed to shareholders.
152 000 €
152 000 €
13 608 €
-6 123 €
2 219 212 €
9.0%
The debt ratio (= Financial debt / Equity x 100) stands at 19%. 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 79%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
19.051%
78.773%
-26.531%
-4.517
40.0%
In 2024, the debt ratio of CREMAFINANCE (19.05) 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 2024, the financial autonomy of CREMAFINANCE (78.8%) 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.
In 2024, the repayment capacity of CREMAFINANCE (-4.52) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.
The liquidity ratio (= Current assets / Current liabilities) stands at 1208.49. 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 44.6x. Operating income very largely covers interest expenses: high safety margin.
1208.487
44.591
In 2024, the liquidity ratio of CREMAFINANCE (1208.49) 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.
In 2024, the interest coverage of CREMAFINANCE (44.6x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 7 days. Favorable situation: supplier credit is longer than customer credit by 7 days. WCR is negative (-177 days): operations structurally generate cash. Notable WCR improvement over the period (-429%), freeing up cash.
-74 776 €
0 j
7 j
0 j
-177 j
Based on 62 transactions of similar company sales
in 2024,
the value of CREMAFINANCE is estimated at
3 327 077 €
(range 948 769€ - 6 611 262€).
With an EBITDA of 13 608€, the sector multiple of 4.8x is applied.
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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 62 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 CREMAFINANCE with other companies in the same sector:
The revenue of CREMAFINANCE in 2024 is 152 k€.
Yes, CREMAFINANCE generated a net profit of 2.2 M€ in 2024.
The headquarters of CREMAFINANCE is located in SAINT-MELAINE-SUR-AUBANCE (49610), in the department Maine-et-Loire.
The tax return of CREMAFINANCE 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).
CREMAFINANCE operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.