SIREN : 805392487
LANGUEDOC CREDIT is a French company founded 11 years ago, specialized in the sector Autre distribution de crédit. Based in BEZIERS (34500), this company of category PME shows in 2023 a revenue of 134 k€. 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
| Indicator | 2023 | 2022 | 2015 |
|---|---|---|---|
| Revenue | 133 621 € | 183 325 € | 92 997 € |
| Net income | -23 313 € | 8 141 € | 7 248 € |
| EBITDA | -17 374 € | 17 451 € | 13 078 € |
| Net margin | -17.4% | 4.4% | 7.8% |
In 2023, LANGUEDOC CREDIT achieves revenue of 134 k€. Revenue is growing positively over 3 years (CAGR: +4.6%). Significant drop of -27% vs 2022. After deducting consumption (0 €), gross margin stands at 134 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 -17 k€, representing -13.0% of revenue. Warning negative scissor effect: despite revenue change (-27%), EBITDA varies by -200%, reducing margin by 22.5 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -23 k€ (-17.4% of revenue), which will impact equity.
133 621 €
133 621 €
-17 374 €
-23 204 €
-23 313 €
-12.3%
The debt ratio (= Financial debt / Equity x 100) stands at 14%. 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 11%. Low autonomy: the company heavily depends on external financing (banks, suppliers).
14.104%
10.976%
-14.222%
-0.694
17.3%
In 2023, the debt ratio of LANGUEDOC CREDIT (14.10) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2023, the financial autonomy of LANGUEDOC CREDIT (11.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2023, the repayment capacity of LANGUEDOC CREDIT (-0.69) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 831.30. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
831.303
-0.65
In 2023, the liquidity ratio of LANGUEDOC CREDIT (831.30) 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.
In 2023, the interest coverage of LANGUEDOC CREDIT (-0.7x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 118 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 12 days. The gap of 106 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 99 days of revenue, i.e. 37 k€ to permanently finance. Over 2015-2023, WCR increased by +224%, requiring additional financing.
36 686 €
118 j
12 j
0 j
99 j
Based on 135 transactions of similar company sales (all years), the value of LANGUEDOC CREDIT is estimated at 15 240 € (range 12 630€ - 30 524€). The price/revenue ratio is 0.11x (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.
Only this financial indicator is available for this company.
This estimate is based on the analysis of 135 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare LANGUEDOC CREDIT with other companies in the same sector:
Voir toutes les statistiques du secteur Autre distribution de crédit
The revenue of LANGUEDOC CREDIT in 2023 is 134 k€.
LANGUEDOC CREDIT recorded a net loss in 2023.
The headquarters of LANGUEDOC CREDIT is located in BEZIERS (34500), in the department Herault.
The tax return of LANGUEDOC CREDIT 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).
LANGUEDOC CREDIT operates in the sector Autre distribution de crédit (NAF code 64.92Z). See the 'Sector positioning' section above to compare the company with its competitors.