FONCIERE CREDIT AGRICOLE SUD RHONE ALPES : revenue, balance sheet and financial ratios

FONCIERE CREDIT AGRICOLE SUD RHONE ALPES is a French company founded 17 years ago, specialized in the sector Activités des marchands de biens immobiliers. Based in GRENOBLE (38000), this company of category GE shows in 2024 a revenue of 4.0 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 - FONCIERE CREDIT AGRICOLE SUD RHONE ALPES (SIREN 510223134)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 3 986 503 € 3 841 944 € 3 519 622 € 10 857 745 € 1 398 172 € 2 699 076 € 1 041 647 € 915 745 € 861 389 €
Net income 1 534 180 € 2 215 431 € 329 085 € 2 176 141 € -188 297 € 1 627 733 € 83 314 € -148 528 € -134 581 €
EBITDA 2 527 952 € 2 393 255 € 2 074 342 € 2 218 697 € 841 417 € 855 961 € 546 290 € 607 656 € 462 158 €
Net margin 38.5% 57.7% 9.4% 20.0% -13.5% 60.3% 8.0% -16.2% -15.6%

Revenue and income statement

In 2024, FONCIERE CREDIT AGRICOLE SUD RHONE ALPES achieves revenue of 4.0 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +21.1%. Vs 2023: +4%. After deducting consumption (0 €), gross margin stands at 4.0 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 2.5 M€, representing 63.4% 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 1.5 M€, i.e. 38.5% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

3 986 503 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

3 986 503 €

EBITDA (2024) ?
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

2 527 952 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

1 196 559 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

1 534 180 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

63.4%

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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 47%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 67%. 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 6.6 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 85.3% 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 (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

47.042%

Financial autonomy (2024) ?
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

67.494%

Cash flow / Revenue (2024) ?
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

85.292%

Repayment capacity (2024) ?
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

6.618

Asset age ratio (2024) ?
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

78.5%

Solvency indicators evolution
FONCIERE CREDIT AGRICOLE SUD RHONE ALPES

Sector positioning

Debt ratio
47.04 2024
2022
2023
2024
Q1: 0.0
Med: 5.94
Q3: 188.9
Average -7 pts over 3 years

In 2024, the debt ratio of FONCIERE CREDIT AGRICOLE ... (47.04) 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
67.49% 2024
2022
2023
2024
Q1: 0.0%
Med: 12.3%
Q3: 57.41%
Excellent +30 pts over 3 years

In 2024, the financial autonomy of FONCIERE CREDIT AGRICOLE ... (67.5%) 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.

Repayment capacity
6.62 years 2024
2022
2023
2024
Q1: -9.06 years
Med: 0.0 years
Q3: 2.45 years
Average

In 2024, the repayment capacity of FONCIERE CREDIT AGRICOLE ... (6.62) 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 3062.56. 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 23.4x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2024) ?
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

3062.557

Interest coverage (2024) ?
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

23.439

Liquidity indicators evolution
FONCIERE CREDIT AGRICOLE SUD RHONE ALPES

Sector positioning

Liquidity ratio
3062.56 2024
2022
2023
2024
Q1: 148.32
Med: 585.43
Q3: 3614.66
Good +48 pts over 3 years

In 2024, the liquidity ratio of FONCIERE CREDIT AGRICOLE ... (3062.56) 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
23.44x 2024
2022
2023
2024
Q1: -12.26x
Med: 0.0x
Q3: 5.03x
Excellent

In 2024, the interest coverage of FONCIERE CREDIT AGRICOLE ... (23.4x) 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: 5 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 0 days. The company must finance 5 days of gap between collections and payments. Overall, WCR represents 975 days of revenue, i.e. 10.8 M€ to permanently finance. Over 2016-2024, WCR increased by +251%, requiring additional financing.

Operating WCR (2024) ?
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

10 799 237 €

Customer credit (2024) ?
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

5 j

Supplier credit (2024) ?
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

0 j

Inventory turnover (2024) ?
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 (2024) ?
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

975 j

WCR and payment terms evolution
FONCIERE CREDIT AGRICOLE SUD RHONE ALPES

Positioning of FONCIERE CREDIT AGRICOLE SUD RHONE ALPES in its sector

Comparison with sector Activités des marchands de biens immobiliers

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (22 transactions). This range of 5 560 557€ to 12 580 703€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2024
Indicative
5560k€ 8199k€ 12580k€
8 199 066 € Range: 5 560 557€ - 12 580 703€
NAF 5 année 2024

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 22 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 (Activités des marchands de biens immobiliers)

Compare FONCIERE CREDIT AGRICOLE SUD RHONE ALPES with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des marchands de biens immobiliers

Frequently asked questions about FONCIERE CREDIT AGRICOLE SUD RHONE ALPES

What is the revenue of FONCIERE CREDIT AGRICOLE SUD RHONE ALPES ?

The revenue of FONCIERE CREDIT AGRICOLE SUD RHONE ALPES in 2024 is 4.0 M€.

Is FONCIERE CREDIT AGRICOLE SUD RHONE ALPES profitable?

Yes, FONCIERE CREDIT AGRICOLE SUD RHONE ALPES generated a net profit of 1.5 M€ in 2024.

Where is the headquarters of FONCIERE CREDIT AGRICOLE SUD RHONE ALPES ?

The headquarters of FONCIERE CREDIT AGRICOLE SUD RHONE ALPES is located in GRENOBLE (38000), in the department Isere.

Where to find the tax return of FONCIERE CREDIT AGRICOLE SUD RHONE ALPES ?

The tax return of FONCIERE CREDIT AGRICOLE SUD RHONE ALPES 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 FONCIERE CREDIT AGRICOLE SUD RHONE ALPES operate?

FONCIERE CREDIT AGRICOLE SUD RHONE ALPES operates in the sector Activités des marchands de biens immobiliers (NAF code 68.10Z). See the 'Sector positioning' section above to compare the company with its competitors.