THIONVILLE CREDIT : revenue, balance sheet and financial ratios

THIONVILLE CREDIT is a French company founded 16 years ago, specialized in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.. Based in THIONVILLE (57100), this company of category PME shows in 2018 a revenue of 926 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 - THIONVILLE CREDIT (SIREN 520597477)
Indicator 2023 2022 2018 2017 2016 2015
Revenue N/C N/C 926 294 € 906 839 € 675 147 € 624 490 €
Net income -161 808 € 52 102 € 64 339 € 127 255 € 76 057 € 79 091 €
EBITDA N/C N/C 89 624 € 185 742 € 106 785 € 95 473 €
Net margin N/C N/C 6.9% 14.0% 11.3% 12.7%

Revenue and income statement

In 2023, THIONVILLE CREDIT records a net loss of 162 k€. This deficit will reduce equity on the balance sheet.

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-161 808 €

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 328%. 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 10%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

327.79%

Financial autonomy (2023) ?
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

9.83%

Asset age ratio (2023) ?
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

14.9%

Solvency indicators evolution
THIONVILLE CREDIT

Sector positioning

Debt ratio
327.79 2023
2018
2022
2023
Q1: 0.0
Med: 5.37
Q3: 59.79
Average +20 pts over 3 years

In 2023, the debt ratio of THIONVILLE CREDIT (327.79) 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
9.83% 2023
2018
2022
2023
Q1: 5.1%
Med: 41.81%
Q3: 76.55%
Average -44 pts over 3 years

In 2023, the financial autonomy of THIONVILLE CREDIT (9.8%) 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
0.91 years 2018
2018
Q1: 0.0 years
Med: 0.0 years
Q3: 1.3 years
Average

In 2018, the repayment capacity of THIONVILLE CREDIT (0.91) 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 100.37. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

100.369

Liquidity indicators evolution
THIONVILLE CREDIT

Sector positioning

Liquidity ratio
100.37 2023
2018
2022
2023
Q1: 142.15
Med: 323.83
Q3: 1004.83
Watch -38 pts over 3 years

In 2023, the liquidity ratio of THIONVILLE CREDIT (100.37) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
0.97x 2018
2018
Q1: 0.0x
Med: 0.0x
Q3: 1.04x
Good

In 2018, the interest coverage of THIONVILLE CREDIT (1.0x) 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.

Operating WCR (2023) ?
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

0 €

Customer credit (2023) ?
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 (2023) ?
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 (2023) ?
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 and payment terms evolution
THIONVILLE CREDIT

Positioning of THIONVILLE CREDIT in its sector

Comparison with sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Similar companies (Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.)

Compare THIONVILLE CREDIT with other companies in the same sector:

Voir toutes les statistiques du secteur Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Frequently asked questions about THIONVILLE CREDIT

What is the revenue of THIONVILLE CREDIT ?

The revenue of THIONVILLE CREDIT in 2018 is 926 k€.

Is THIONVILLE CREDIT profitable?

THIONVILLE CREDIT recorded a net loss in 2023.

Where is the headquarters of THIONVILLE CREDIT ?

The headquarters of THIONVILLE CREDIT is located in THIONVILLE (57100), in the department Moselle.

Where to find the tax return of THIONVILLE CREDIT ?

The tax return of THIONVILLE 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).

In which sector does THIONVILLE CREDIT operate?

THIONVILLE CREDIT operates in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a. (NAF code 66.19B). See the 'Sector positioning' section above to compare the company with its competitors.