CRETEIL HABITAT : revenue, balance sheet and financial ratios

CRETEIL HABITAT is a French company founded 59 years ago, specialized in the sector Supports juridiques de gestion de patrimoine immobilier. Based in CRETEIL (94000), this company of category PME shows in 2023 a revenue of 46.4 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

Financial history - CRETEIL HABITAT (SIREN 672003118)
Indicator 2023 2018 2016
Revenue 46 387 653 € N/C 76 387 387 €
Net income 855 775 € 107 982 363 € 3 155 482 €
EBITDA -2 208 503 € -441 690 381 € 20 311 354 €
Net margin 1.8% N/C 4.1%

Revenue and income statement

In 2023, CRETEIL HABITAT achieves revenue of 46.4 M€. Revenue is declining over the period 2016-2023 (CAGR: -6.9%). After deducting consumption (14.4 M€), gross margin stands at 32.0 M€, i.e. a rate of 69%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -2.2 M€, representing -4.8% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 856 k€, i.e. 1.8% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

46 387 653 €

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

31 966 564 €

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

-2 208 503 €

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

6 775 737 €

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

855 775 €

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

-4.8%

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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 118%. 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 48.2 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 13.3% 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

118.408%

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

42.167%

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

13.291%

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

48.192

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

70.2%

Solvency indicators evolution
CRETEIL HABITAT

Sector positioning

Debt ratio
118.41 2023
2016
2018
2023
Q1: 0.0
Med: 6.32
Q3: 125.19
Average

In 2023, the debt ratio of CRETEIL HABITAT (118.41) 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
42.17% 2023
2016
2018
2023
Q1: 0.28%
Med: 28.59%
Q3: 74.72%
Good +26 pts over 3 years

In 2023, the financial autonomy of CRETEIL HABITAT (42.2%) 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
48.19 years 2023
2016
2018
2023
Q1: -2.26 years
Med: 0.0 years
Q3: 5.03 years
Watch

In 2023, the repayment capacity of CRETEIL HABITAT (48.19) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 349.34. 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

349.342

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

-358.46

Liquidity indicators evolution
CRETEIL HABITAT

Sector positioning

Liquidity ratio
349.34 2023
2016
2018
2023
Q1: 88.2
Med: 315.85
Q3: 1984.59
Good +26 pts over 3 years

In 2023, the liquidity ratio of CRETEIL HABITAT (349.34) 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
-358.46x 2023
2016
2018
2023
Q1: -32.37x
Med: 0.0x
Q3: 8.99x
Watch -50 pts over 3 years

In 2023, the interest coverage of CRETEIL HABITAT (-358.5x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.

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: 123 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 69 days. The gap of 54 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Inventory turnover is 102 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 116 days of revenue, i.e. 15.0 M€ to permanently finance. Over 2016-2023, WCR increased by +142%, requiring additional financing.

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

14 951 204 €

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

123 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

69 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

102 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

116 j

WCR and payment terms evolution
CRETEIL HABITAT

Positioning of CRETEIL HABITAT in its sector

Comparison with sector Supports juridiques de gestion de patrimoine immobilier

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 3 657 980€ to 16 573 286€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2023
Indicative
3657k€ 4825k€ 16573k€
4 825 992 € Range: 3 657 980€ - 16 573 286€
NAF 5 année 2023

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 20 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 (Supports juridiques de gestion de patrimoine immobilier)

Compare CRETEIL HABITAT with other companies in the same sector:

Voir toutes les statistiques du secteur Supports juridiques de gestion de patrimoine immobilier

Frequently asked questions about CRETEIL HABITAT

What is the revenue of CRETEIL HABITAT ?

The revenue of CRETEIL HABITAT in 2023 is 46.4 M€.

Is CRETEIL HABITAT profitable?

Yes, CRETEIL HABITAT generated a net profit of 856 k€ in 2023.

Where is the headquarters of CRETEIL HABITAT ?

The headquarters of CRETEIL HABITAT is located in CRETEIL (94000), in the department Val-de-Marne.

Where to find the tax return of CRETEIL HABITAT ?

The tax return of CRETEIL HABITAT 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 CRETEIL HABITAT operate?

CRETEIL HABITAT operates in the sector Supports juridiques de gestion de patrimoine immobilier (NAF code 68.32B). See the 'Sector positioning' section above to compare the company with its competitors.