FRANCHE-COMTE CREDIT AGRICOLE IMMOBILIER : revenue, balance sheet and financial ratios

FRANCHE-COMTE CREDIT AGRICOLE IMMOBILIER is a French company founded 3 years ago, specialized in the sector Agences immobilières. Based in BESANCON (25000), this company of category GE shows in 2025 a revenue of 2.6 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - FRANCHE-COMTE CREDIT AGRICOLE IMMOBILIER (SIREN 920410784)
Indicator 2025 2024 2023
Revenue 2 569 803 € 2 636 480 € 2 711 483 €
Net income 378 762 € -151 959 € -848 329 €
EBITDA -339 534 € -47 241 € -528 275 €
Net margin 14.7% -5.8% -31.3%

Revenue and income statement

In 2025, FRANCHE-COMTE CREDIT AGRICOLE IMMOBILIER achieves revenue of 2.6 M€. Activity remains stable over the period (CAGR: -2.6%). Slight decline of -3% vs 2024. After deducting consumption (0 €), gross margin stands at 2.6 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 -340 k€, representing -13.2% of revenue. Warning negative scissor effect: despite revenue change (-3%), EBITDA varies by -619%, reducing margin by 11.4 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 379 k€, i.e. 14.7% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

2 569 803 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

2 569 803 €

EBITDA (2025) ?
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

-339 534 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-561 800 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

378 762 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-13.1%

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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 0%. 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 41%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.136%

Financial autonomy (2025) ?
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

40.874%

Cash flow / Revenue (2025) ?
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

-13.139%

Repayment capacity (2025) ?
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

-0.002

Asset age ratio (2025) ?
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

24.2%

Solvency indicators evolution
FRANCHE-COMTE CREDIT AGRICOLE IMMOBILIER

Sector positioning

Debt ratio
0.14 2025
2023
2024
2025
Q1: 0.01
Med: 9.42
Q3: 52.77
Good -50 pts over 3 years

In 2025, the debt ratio of FRANCHE-COMTE CREDIT AGRI... (0.14) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
40.87% 2025
2023
2024
2025
Q1: 6.02%
Med: 32.55%
Q3: 60.91%
Good +14 pts over 3 years

In 2025, the financial autonomy of FRANCHE-COMTE CREDIT AGRI... (40.9%) 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
-0.0 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 0.0 years
Q3: 1.1 years
Excellent

In 2025, the repayment capacity of FRANCHE-COMTE CREDIT AGRI... (-0.00) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 134.38. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
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

134.383

Interest coverage (2025) ?
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

-2.802

Liquidity indicators evolution
FRANCHE-COMTE CREDIT AGRICOLE IMMOBILIER

Sector positioning

Liquidity ratio
134.38 2025
2023
2024
2025
Q1: 108.17
Med: 191.05
Q3: 464.92
Average

In 2025, the liquidity ratio of FRANCHE-COMTE CREDIT AGRI... (134.38) 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.

Interest coverage
-2.8x 2025
2023
2024
2025
Q1: 0.0x
Med: 0.0x
Q3: 1.7x
Average

In 2025, the interest coverage of FRANCHE-COMTE CREDIT AGRI... (-2.8x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 54 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 50 days. The company must finance 4 days of gap between collections and payments. WCR is negative (-5 days): operations structurally generate cash. Notable WCR improvement over the period (-116%), freeing up cash.

Operating WCR (2025) ?
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

-38 804 €

Customer credit (2025) ?
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

54 j

Supplier credit (2025) ?
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

50 j

Inventory turnover (2025) ?
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 (2025) ?
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

-5 j

WCR and payment terms evolution
FRANCHE-COMTE CREDIT AGRICOLE IMMOBILIER

Positioning of FRANCHE-COMTE CREDIT AGRICOLE IMMOBILIER in its sector

Comparison with sector Agences immobilières

Valuation estimate

Based on 55 transactions of similar company sales in 2025, the value of FRANCHE-COMTE CREDIT AGRICOLE IMMOBILIER is estimated at 620 716 € (range 343 996€ - 1 321 520€). The price/revenue ratio is 0.21x (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 2025
55 tx
343k€ 620k€ 1321k€
620 716 € Range: 343 996€ - 1 321 520€
NAF 5 année 2025

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
2 569 803 € × 0.21x
Estimation 549 360 €
225 877€ - 1 323 568€
Net Income Multiple 20%
378 762 € × 1.9x
Estimation 727 751 €
521 176€ - 1 318 451€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 55 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 (Agences immobilières)

Compare FRANCHE-COMTE CREDIT AGRICOLE IMMOBILIER with other companies in the same sector:

Voir toutes les statistiques du secteur Agences immobilières

Frequently asked questions about FRANCHE-COMTE CREDIT AGRICOLE IMMOBILIER

What is the revenue of FRANCHE-COMTE CREDIT AGRICOLE IMMOBILIER ?

The revenue of FRANCHE-COMTE CREDIT AGRICOLE IMMOBILIER in 2025 is 2.6 M€.

Is FRANCHE-COMTE CREDIT AGRICOLE IMMOBILIER profitable?

Yes, FRANCHE-COMTE CREDIT AGRICOLE IMMOBILIER generated a net profit of 379 k€ in 2025.

Where is the headquarters of FRANCHE-COMTE CREDIT AGRICOLE IMMOBILIER ?

The headquarters of FRANCHE-COMTE CREDIT AGRICOLE IMMOBILIER is located in BESANCON (25000), in the department Doubs.

Where to find the tax return of FRANCHE-COMTE CREDIT AGRICOLE IMMOBILIER ?

The tax return of FRANCHE-COMTE CREDIT AGRICOLE IMMOBILIER 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 FRANCHE-COMTE CREDIT AGRICOLE IMMOBILIER operate?

FRANCHE-COMTE CREDIT AGRICOLE IMMOBILIER operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.