INTER MUTUELLES ASSISTANCE TECHNOLOGIES : revenue, balance sheet and financial ratios

INTER MUTUELLES ASSISTANCE TECHNOLOGIES is a French company founded 36 years ago, specialized in the sector Conseil en systèmes et logiciels informatiques. Based in NANTES (44300), this company of category ETI shows in 2024 a revenue of 38.6 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 - INTER MUTUELLES ASSISTANCE TECHNOLOGIES (SIREN 353259922)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 38 632 176 € 35 671 007 € 35 736 884 € 32 283 949 € 28 955 707 € 27 182 211 € 22 780 404 € 20 323 489 € 21 408 568 €
Net income 1 525 230 € 1 235 558 € 1 474 753 € 1 578 497 € 1 015 947 € 1 050 414 € 1 035 421 € 696 542 € 575 180 €
EBITDA 3 496 796 € 2 796 005 € 2 093 310 € 2 223 691 € 2 395 514 € 1 744 463 € 1 195 428 € 1 611 025 € 1 579 608 €
Net margin 3.9% 3.5% 4.1% 4.9% 3.5% 3.9% 4.5% 3.4% 2.7%

Revenue and income statement

In 2024, INTER MUTUELLES ASSISTANCE TECHNOLOGIES achieves revenue of 38.6 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +7.7%. Vs 2023: +8%. After deducting consumption (0 €), gross margin stands at 38.6 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 3.5 M€, representing 9.1% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 1.5 M€, i.e. 3.9% 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

38 632 176 €

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

38 632 176 €

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

3 496 796 €

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

2 492 726 €

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

1 525 230 €

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

9.1%

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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 35%. The balance between equity and debt is satisfactory. Cash flow represents 6.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

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

0.001%

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

35.472%

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

6.358%

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

0.0

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

43.3%

Solvency indicators evolution
INTER MUTUELLES ASSISTANCE TECHNOLOGIES

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 3.93
Q3: 32.58
Excellent

In 2024, the debt ratio of INTER MUTUELLES ASSISTANC... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
35.47% 2024
2022
2023
2024
Q1: 7.97%
Med: 34.38%
Q3: 62.44%
Good -12 pts over 3 years

In 2024, the financial autonomy of INTER MUTUELLES ASSISTANC... (35.5%) 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 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.5 years
Excellent

In 2024, the repayment capacity of INTER MUTUELLES ASSISTANC... (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 122.17. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

122.165

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

0.0

Liquidity indicators evolution
INTER MUTUELLES ASSISTANCE TECHNOLOGIES

Sector positioning

Liquidity ratio
122.17 2024
2022
2023
2024
Q1: 141.9
Med: 230.48
Q3: 460.89
Watch

In 2024, the liquidity ratio of INTER MUTUELLES ASSISTANC... (122.17) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
0.0x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 1.04x
Average -30 pts over 3 years

In 2024, the interest coverage of INTER MUTUELLES ASSISTANC... (0.0x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 46 days. Excellent situation: suppliers finance 46 days of the operating cycle (retail model). Overall, WCR represents 13 days of revenue, i.e. 1.4 M€ to permanently finance. Notable WCR improvement over the period (-64%), freeing up cash.

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

1 428 618 €

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

0 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

46 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

13 j

WCR and payment terms evolution
INTER MUTUELLES ASSISTANCE TECHNOLOGIES

Positioning of INTER MUTUELLES ASSISTANCE TECHNOLOGIES in its sector

Comparison with sector Conseil en systèmes et logiciels informatiques

Valuation estimate

Based on 215 transactions of similar company sales (all years), the value of INTER MUTUELLES ASSISTANCE TECHNOLOGIES is estimated at 4 017 888 € (range 1 837 283€ - 12 265 391€). With an EBITDA of 3 496 796€, the sector multiple of 1.0x is applied. The price/revenue ratio is 0.16x (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.

Estimated enterprise value 2024
215 transactions
1837k€ 4017k€ 12265k€
4 017 888 € Range: 1 837 283€ - 12 265 391€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
3 496 796 € × 1.0x
Estimation 3 415 143 €
1 289 912€ - 15 092 377€
Revenue Multiple 30%
38 632 176 € × 0.16x
Estimation 6 200 991 €
3 326 213€ - 11 327 068€
Net Income Multiple 20%
1 525 230 € × 1.5x
Estimation 2 250 099 €
972 316€ - 6 605 413€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 215 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 (Conseil en systèmes et logiciels informatiques)

Compare INTER MUTUELLES ASSISTANCE TECHNOLOGIES with other companies in the same sector:

Voir toutes les statistiques du secteur Conseil en systèmes et logiciels informatiques

Frequently asked questions about INTER MUTUELLES ASSISTANCE TECHNOLOGIES

What is the revenue of INTER MUTUELLES ASSISTANCE TECHNOLOGIES ?

The revenue of INTER MUTUELLES ASSISTANCE TECHNOLOGIES in 2024 is 38.6 M€.

Is INTER MUTUELLES ASSISTANCE TECHNOLOGIES profitable?

Yes, INTER MUTUELLES ASSISTANCE TECHNOLOGIES generated a net profit of 1.5 M€ in 2024.

Where is the headquarters of INTER MUTUELLES ASSISTANCE TECHNOLOGIES ?

The headquarters of INTER MUTUELLES ASSISTANCE TECHNOLOGIES is located in NANTES (44300), in the department Loire-Atlantique.

Where to find the tax return of INTER MUTUELLES ASSISTANCE TECHNOLOGIES ?

The tax return of INTER MUTUELLES ASSISTANCE TECHNOLOGIES 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 INTER MUTUELLES ASSISTANCE TECHNOLOGIES operate?

INTER MUTUELLES ASSISTANCE TECHNOLOGIES operates in the sector Conseil en systèmes et logiciels informatiques (NAF code 62.02A). See the 'Sector positioning' section above to compare the company with its competitors.