GESTION CREDIT EXPERT : revenue, balance sheet and financial ratios

GESTION CREDIT EXPERT is a French company founded 36 years ago, specialized in the sector Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle. Based in TOULOUSE (31000), this company of category PME shows in 2023 a revenue of 2.5 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 - GESTION CREDIT EXPERT (SIREN 302592431)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue N/C N/C 2 480 364 € 2 283 597 € 2 654 725 € 2 605 547 € 2 116 135 € N/C N/C 1 628 458 €
Net income 43 783 € 30 134 € 25 914 € 13 886 € 274 590 € 277 164 € 165 760 € 63 962 € 29 797 € 103 817 €
EBITDA N/C N/C -9 779 € 3 688 € 303 656 € 529 111 € 312 505 € N/C N/C 162 157 €
Net margin N/C N/C 1.0% 0.6% 10.3% 10.6% 7.8% N/C N/C 6.4%

Revenue and income statement

In 2025, GESTION CREDIT EXPERT generates positive net income of 44 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2025: 104 k€ -> 44 k€.

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

43 783 €

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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 38%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 39%. The balance between equity and debt is satisfactory.

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

38.04%

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

39.159%

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

3.3%

Solvency indicators evolution
GESTION CREDIT EXPERT

Sector positioning

Debt ratio
38.04 2025
2023
2024
2025
Q1: -29.46
Med: 14.38
Q3: 29.63
Watch +23 pts over 3 years

In 2025, the debt ratio of GESTION CREDIT EXPERT (38.04) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
39.16% 2025
2023
2024
2025
Q1: 4.15%
Med: 15.19%
Q3: 28.65%
Excellent +31 pts over 3 years

In 2025, the financial autonomy of GESTION CREDIT EXPERT (39.2%) 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
4.94 years 2023
2023
Q1: -0.01 years
Med: 0.0 years
Q3: 0.56 years
Watch

In 2023, the repayment capacity of GESTION CREDIT EXPERT (4.94) 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 188.37. 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

188.368

Liquidity indicators evolution
GESTION CREDIT EXPERT

Sector positioning

Liquidity ratio
188.37 2025
2023
2024
2025
Q1: 105.78
Med: 138.6
Q3: 190.82
Good +34 pts over 3 years

In 2025, the liquidity ratio of GESTION CREDIT EXPERT (188.37) 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
-42.92x 2023
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.09x
Watch

In 2023, the interest coverage of GESTION CREDIT EXPERT (-42.9x) 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.

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

0 €

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

0 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

0 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 and payment terms evolution
GESTION CREDIT EXPERT

Positioning of GESTION CREDIT EXPERT in its sector

Comparison with sector Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle

Valuation estimate

Based on 158 transactions of similar company sales (all years), the value of GESTION CREDIT EXPERT is estimated at 143 351 € (range 38 390€ - 347 752€). 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.

Estimated enterprise value 2025
158 transactions
38k€ 143k€ 347k€
143 351 € Range: 38 390€ - 347 752€
NAF 4 all-time Aggregated at NAF sub-class level

Valuation method used

Net Income Multiple
43 783 € × 3.3x = 143 352 €
Range: 38 390€ - 347 752€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 158 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 agences de recouvrement de factures et des sociétés d'information financière sur la clientèle)

Compare GESTION CREDIT EXPERT with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle

Frequently asked questions about GESTION CREDIT EXPERT

What is the revenue of GESTION CREDIT EXPERT ?

The revenue of GESTION CREDIT EXPERT in 2023 is 2.5 M€.

Is GESTION CREDIT EXPERT profitable?

Yes, GESTION CREDIT EXPERT generated a net profit of 44 k€ in 2025.

Where is the headquarters of GESTION CREDIT EXPERT ?

The headquarters of GESTION CREDIT EXPERT is located in TOULOUSE (31000), in the department Haute-Garonne.

Where to find the tax return of GESTION CREDIT EXPERT ?

The tax return of GESTION CREDIT EXPERT 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 GESTION CREDIT EXPERT operate?

GESTION CREDIT EXPERT operates in the sector Activités des agences de recouvrement de factures et des sociétés d'information financière sur la clientèle (NAF code 82.91Z). See the 'Sector positioning' section above to compare the company with its competitors.