SIREN : 789725025
NANTES CREDIT is a French company founded 13 years ago, specialized in the sector Autre distribution de crédit. Based in NANTES (44000), this company of category PME shows in 2025 a revenue of 632 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 | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Revenue | 631 973 € | 508 457 € | 766 882 € | 944 832 € |
| Net income | 97 081 € | -23 808 € | 9 902 € | 3 955 € |
| EBITDA | 167 561 € | 26 499 € | 84 325 € | 106 369 € |
| Net margin | 15.4% | -4.7% | 1.3% | 0.4% |
In 2025, NANTES CREDIT achieves revenue of 632 k€. Revenue is declining over the period 2022-2025 (CAGR: -12.5%). Vs 2024, growth of +24% (508 k€ -> 632 k€). After deducting consumption (0 €), gross margin stands at 632 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 168 k€, representing 26.5% of revenue. Positive scissor effect: EBITDA margin improves by +21.3 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 97 k€, i.e. 15.4% of revenue. This profit can be retained or distributed to shareholders.
631 973 €
631 973 €
167 561 €
114 057 €
97 081 €
26.5%
The debt ratio (= Financial debt / Equity x 100) stands at 54%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 54%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.7 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 16.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
54.302%
54.083%
16.183%
0.726
15.4%
In 2025, the debt ratio of NANTES CREDIT (54.30) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2025, the financial autonomy of NANTES CREDIT (54.1%) 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.
In 2025, the repayment capacity of NANTES CREDIT (0.73) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 558.22. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 0.5x. Danger: operating income does not cover interest charges, unsustainable situation.
558.223
0.504
In 2025, the liquidity ratio of NANTES CREDIT (558.22) 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 2025, the interest coverage of NANTES CREDIT (0.5x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 33 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 7 days. The company must finance 26 days of gap between collections and payments. Overall, WCR represents 31 days of revenue, i.e. 55 k€ to permanently finance. Notable WCR improvement over the period (-39%), freeing up cash.
55 032 €
33 j
7 j
0 j
31 j
Based on 135 transactions of similar company sales (all years), the value of NANTES CREDIT is estimated at 58 455 € (range 45 372€ - 355 742€). With an EBITDA of 167 561€, the sector multiple of 0.3x is applied. 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.
Ajustez les pondérations selon votre analyse
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 NANTES CREDIT with other companies in the same sector:
Voir toutes les statistiques du secteur Autre distribution de crédit
The revenue of NANTES CREDIT in 2025 is 632 k€.
Yes, NANTES CREDIT generated a net profit of 97 k€ in 2025.
The headquarters of NANTES CREDIT is located in NANTES (44000), in the department Loire-Atlantique.
The tax return of NANTES 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).
NANTES 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.