SIREN : 530634088
MDV CREDIT CONSEILS is a French company founded 15 years ago, specialized in the sector Autres intermédiations monétaires. Based in VIENNE (38200), this company of category PME shows in 2023 a revenue of 155 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
| Indicator | 2023 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|
| Revenue | 155 380 € | 190 468 € | 187 155 € | 213 486 € | 190 715 € |
| Net income | 14 061 € | 27 € | 28 767 € | 37 275 € | 34 207 € |
| EBITDA | 14 423 € | -2 036 € | 32 470 € | 43 882 € | 40 496 € |
| Net margin | 9.0% | 0.0% | 15.4% | 17.5% | 17.9% |
In 2023, MDV CREDIT CONSEILS achieves revenue of 155 k€. Activity remains stable over the period (CAGR: -2.9%). Significant drop of -18% vs 2019. After deducting consumption (0 €), gross margin stands at 155 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 14 k€, representing 9.3% of revenue. Positive scissor effect: EBITDA margin improves by +10.4 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 14 k€, i.e. 9.0% of revenue. This profit can be retained or distributed to shareholders.
155 380 €
155 380 €
14 423 €
12 856 €
14 061 €
9.3%
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 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 9.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
0.217%
0.208%
9.938%
0.0
49.2%
In 2023, the debt ratio of MDV CREDIT CONSEILS (0.22) 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 MDV CREDIT CONSEILS (0.2%) ranks in the bottom 25% of the sector. This ratio represents the share of equity in total financing. Low autonomy may limit investment capacity and increase vulnerability.
In 2023, the repayment capacity of MDV CREDIT CONSEILS (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.
The liquidity ratio (= Current assets / Current liabilities) stands at 1347.13. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
1347.132
0.0
In 2023, the liquidity ratio of MDV CREDIT CONSEILS (1347.13) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2023, the interest coverage of MDV CREDIT CONSEILS (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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 53 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 22 days. The gap of 31 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 73 days of revenue, i.e. 31 k€ to permanently finance. Over 2016-2023, WCR increased by +5276%, requiring additional financing.
31 489 €
53 j
22 j
0 j
73 j
Based on 94 transactions of similar company sales
in 2023,
the value of MDV CREDIT CONSEILS is estimated at
83 312 €
(range 37 325€ - 147 797€).
With an EBITDA of 14 423€, the sector multiple of 5.3x is applied.
The price/revenue ratio is 0.39x
(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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 94 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 MDV CREDIT CONSEILS with other companies in the same sector:
Voir toutes les statistiques du secteur Autres intermédiations monétaires
The revenue of MDV CREDIT CONSEILS in 2023 is 155 k€.
Yes, MDV CREDIT CONSEILS generated a net profit of 14 k€ in 2023.
The headquarters of MDV CREDIT CONSEILS is located in VIENNE (38200), in the department Isere.
The tax return of MDV CREDIT CONSEILS 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).
MDV CREDIT CONSEILS operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.