SOC CAUTION MUTUELLE IMMOB VAL DE FRANCE : revenue, balance sheet and financial ratios

SOC CAUTION MUTUELLE IMMOB VAL DE FRANCE is a French company founded 63 years ago, specialized in the sector Autre distribution de crédit. Based in TOURS (37200), this company of category PME shows in 2019 a revenue of 491 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 - SOC CAUTION MUTUELLE IMMOB VAL DE FRANCE (SIREN 634800684)
Indicator 2019 2018
Revenue 490 971 € 555 430 €
Net income 818 697 € 295 502 €
EBITDA 208 685 € 173 762 €
Net margin 166.8% 53.2%

Revenue and income statement

In 2019, SOC CAUTION MUTUELLE IMMOB VAL DE FRANCE achieves revenue of 491 k€. Significant drop of -12% vs 2018. After deducting consumption (0 €), gross margin stands at 491 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 209 k€, representing 42.5% of revenue. Positive scissor effect: EBITDA margin improves by +11.2 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 819 k€, i.e. 166.8% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2019) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

490 971 €

Gross margin (2019) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

490 971 €

EBITDA (2019) ?
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

208 685 €

EBIT (2019) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

792 765 €

Net income (2019) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

818 697 €

EBITDA margin (2019) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

42.5%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 7%. 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 85%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2019) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

7.076%

Financial autonomy (2019) ?
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

85.302%

Cash flow / Revenue (2019) ?
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

-65.47%

Repayment capacity (2019) ?
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

-3.733

Solvency indicators evolution
SOC CAUTION MUTUELLE IMMOB VAL DE FRANCE

Sector positioning

Debt ratio
7.08 2019
2018
2019
Q1: 0.0
Med: 12.94
Q3: 66.99
Good -12 pts over 2 years

In 2019, the debt ratio of SOC CAUTION MUTUELLE IMMO... (7.08) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
85.3% 2019
2018
2019
Q1: 9.65%
Med: 42.81%
Q3: 69.46%
Excellent

In 2019, the financial autonomy of SOC CAUTION MUTUELLE IMMO... (85.3%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
-3.73 years 2019
2018
2019
Q1: 0.0 years
Med: 0.0 years
Q3: 1.43 years
Excellent

In 2019, the repayment capacity of SOC CAUTION MUTUELLE IMMO... (-3.73) 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 3874.36. 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 0.0x. Danger: operating income does not cover interest charges, unsustainable situation.

Liquidity ratio (2019) ?
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

3874.362

Interest coverage (2019) ?
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

0.004

Liquidity indicators evolution
SOC CAUTION MUTUELLE IMMOB VAL DE FRANCE

Sector positioning

Liquidity ratio
3874.36 2019
2018
2019
Q1: 149.95
Med: 303.45
Q3: 697.38
Excellent

In 2019, the liquidity ratio of SOC CAUTION MUTUELLE IMMO... (3874.36) 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.

Interest coverage
0.0x 2019
2018
2019
Q1: 0.0x
Med: 0.0x
Q3: 0.58x
Good +25 pts over 2 years

In 2019, the interest coverage of SOC CAUTION MUTUELLE IMMO... (0.0x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 5770 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 0 days. The gap of 5770 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 801 days of revenue, i.e. 1.1 M€ to permanently finance.

Operating WCR (2019) ?
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

1 092 356 €

Customer credit (2019) ?
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

5770 j

Supplier credit (2019) ?
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

0 j

Inventory turnover (2019) ?
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 (2019) ?
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

801 j

WCR and payment terms evolution
SOC CAUTION MUTUELLE IMMOB VAL DE FRANCE

Positioning of SOC CAUTION MUTUELLE IMMOB VAL DE FRANCE in its sector

Comparison with sector Autre distribution de crédit

Valuation estimate

Based on 135 transactions of similar company sales (all years), the value of SOC CAUTION MUTUELLE IMMOB VAL DE FRANCE is estimated at 117 024 € (range 99 808€ - 1 075 651€). With an EBITDA of 208 685€, 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.

Estimated enterprise value 2019
135 transactions
99k€ 117k€ 1075k€
117 024 € Range: 99 808€ - 1 075 651€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
208 685 € × 0.3x
Estimation 72 907 €
50 464€ - 551 965€
Revenue Multiple 30%
490 971 € × 0.11x
Estimation 55 998 €
46 407€ - 112 159€
Net Income Multiple 20%
818 697 € × 0.4x
Estimation 318 859 €
303 272€ - 3 830 108€

Valuation evolution

How is this estimate calculated?

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.

  • 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 (Autre distribution de crédit)

Compare SOC CAUTION MUTUELLE IMMOB VAL DE FRANCE with other companies in the same sector:

Voir toutes les statistiques du secteur Autre distribution de crédit

Frequently asked questions about SOC CAUTION MUTUELLE IMMOB VAL DE FRANCE

What is the revenue of SOC CAUTION MUTUELLE IMMOB VAL DE FRANCE ?

The revenue of SOC CAUTION MUTUELLE IMMOB VAL DE FRANCE in 2019 is 491 k€.

Is SOC CAUTION MUTUELLE IMMOB VAL DE FRANCE profitable?

Yes, SOC CAUTION MUTUELLE IMMOB VAL DE FRANCE generated a net profit of 819 k€ in 2019.

Where is the headquarters of SOC CAUTION MUTUELLE IMMOB VAL DE FRANCE ?

The headquarters of SOC CAUTION MUTUELLE IMMOB VAL DE FRANCE is located in TOURS (37200), in the department Indre-et-Loire.

Where to find the tax return of SOC CAUTION MUTUELLE IMMOB VAL DE FRANCE ?

The tax return of SOC CAUTION MUTUELLE IMMOB VAL DE FRANCE 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 SOC CAUTION MUTUELLE IMMOB VAL DE FRANCE operate?

SOC CAUTION MUTUELLE IMMOB VAL DE FRANCE 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.