KRED INVESTISSEMENTS : revenue, balance sheet and financial ratios

KRED INVESTISSEMENTS is a French company founded 14 years ago, specialized in the sector Services administratifs combinés de bureau. Based in VILLERS-LES-NANCY (54600), this company of category PME shows in 2024 a revenue of 144 k€. 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 - KRED INVESTISSEMENTS (SIREN 535151575)
Indicator 2024 2023 2022 2021 2019 2018 2017 2016
Revenue 144 000 € 60 000 € 150 000 € 432 000 € 258 000 € N/C N/C 384 000 €
Net income -347 € -1 469 € 108 267 € -21 420 € -41 401 € 24 415 € 16 786 € 7 307 €
EBITDA -15 914 € -156 599 € 28 739 € -3 402 € -22 339 € N/C N/C 22 194 €
Net margin -0.2% -2.4% 72.2% -5.0% -16.0% N/C N/C 1.9%

Revenue and income statement

In 2024, KRED INVESTISSEMENTS achieves revenue of 144 k€. Revenue is declining over the period 2016-2024 (CAGR: -11.5%). Vs 2023, growth of +140% (60 k€ -> 144 k€). After deducting consumption (0 €), gross margin stands at 144 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -16 k€, representing -11.1% of revenue. Positive scissor effect: EBITDA margin improves by +249.9 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -347 € (-0.2% of revenue), which will impact equity.

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

144 000 €

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

144 000 €

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

-15 914 €

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

-31 737 €

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

-347 €

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

-11.1%

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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 1271%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 7%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 98.2 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 11.2% 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

1270.518%

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

6.707%

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

11.185%

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

98.245

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

42.7%

Solvency indicators evolution
KRED INVESTISSEMENTS

Sector positioning

Debt ratio
1270.52 2024
2022
2023
2024
Q1: 0.0
Med: 11.23
Q3: 90.41
Average

In 2024, the debt ratio of KRED INVESTISSEMENTS (1270.52) 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
6.71% 2024
2022
2023
2024
Q1: 5.18%
Med: 39.1%
Q3: 79.71%
Average

In 2024, the financial autonomy of KRED INVESTISSEMENTS (6.7%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
98.25 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.02 years
Q3: 2.9 years
Average

In 2024, the repayment capacity of KRED INVESTISSEMENTS (98.25) 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 281.97. 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

281.972

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

-25.569

Liquidity indicators evolution
KRED INVESTISSEMENTS

Sector positioning

Liquidity ratio
281.97 2024
2022
2023
2024
Q1: 104.39
Med: 336.39
Q3: 1728.48
Average

In 2024, the liquidity ratio of KRED INVESTISSEMENTS (281.97) 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
-25.57x 2024
2022
2023
2024
Q1: -24.69x
Med: 0.0x
Q3: 0.2x
Average -50 pts over 3 years

In 2024, the interest coverage of KRED INVESTISSEMENTS (-25.6x) 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: 8 days. Favorable situation: supplier credit is longer than customer credit by 8 days. Overall, WCR represents 652 days of revenue, i.e. 261 k€ to permanently finance. Over 2016-2024, WCR increased by +1126%, 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

260 950 €

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

8 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

652 j

WCR and payment terms evolution
KRED INVESTISSEMENTS

Positioning of KRED INVESTISSEMENTS in its sector

Comparison with sector Services administratifs combinés de bureau

Valuation estimate

Based on 173 transactions of similar company sales (all years), the value of KRED INVESTISSEMENTS is estimated at 55 353 € (range 23 177€ - 125 031€). The price/revenue ratio is 0.38x (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
173 transactions
23k€ 55k€ 125k€
55 353 € Range: 23 177€ - 125 031€
NAF 5 all-time

Valuation method used

Revenue Multiple
144 000 € × 0.38x = 55 353 €
Range: 23 178€ - 125 031€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 173 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 (Services administratifs combinés de bureau)

Compare KRED INVESTISSEMENTS with other companies in the same sector:

Voir toutes les statistiques du secteur Services administratifs combinés de bureau

Frequently asked questions about KRED INVESTISSEMENTS

What is the revenue of KRED INVESTISSEMENTS ?

The revenue of KRED INVESTISSEMENTS in 2024 is 144 k€.

Is KRED INVESTISSEMENTS profitable?

KRED INVESTISSEMENTS recorded a net loss in 2024.

Where is the headquarters of KRED INVESTISSEMENTS ?

The headquarters of KRED INVESTISSEMENTS is located in VILLERS-LES-NANCY (54600), in the department Meurthe-et-Moselle.

Where to find the tax return of KRED INVESTISSEMENTS ?

The tax return of KRED INVESTISSEMENTS 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 KRED INVESTISSEMENTS operate?

KRED INVESTISSEMENTS operates in the sector Services administratifs combinés de bureau (NAF code 82.11Z). See the 'Sector positioning' section above to compare the company with its competitors.