BANQUE AFRIQUE-AMERIQUE GIDEPPE : revenue, balance sheet and financial ratios

BANQUE AFRIQUE-AMERIQUE GIDEPPE is a French company founded 37 years ago, specialized in the sector Édition de revues et périodiques. Based in SENLIS (60300), this company of category PME shows in 2023 a revenue of 220 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 - BANQUE AFRIQUE-AMERIQUE GIDEPPE (SIREN 348391822)
Indicator 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Revenue 219 984 € 150 000 € 152 450 € 243 918 € N/C N/C N/C N/C N/C 25 159 €
Net income 19 609 € 148 347 € 150 950 € 115 354 € -2 000 € 16 000 € -2 000 € -124 148 € 10 000 € 15 159 €
EBITDA 217 414 € 148 347 € 150 950 € 242 418 € -2 000 € 16 000 € -2 000 € -14 000 € 10 000 € 15 159 €
Net margin 8.9% 98.9% 99.0% 47.3% N/C N/C N/C N/C N/C 60.3%

Revenue and income statement

In 2023, BANQUE AFRIQUE-AMERIQUE GIDEPPE achieves revenue of 220 k€. Over the period 2014-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +27.2%. Vs 2022, growth of +47% (150 k€ -> 220 k€). After deducting consumption (0 €), gross margin stands at 220 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 217 k€, representing 98.8% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 20 k€, i.e. 8.9% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

219 984 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

219 984 €

EBITDA (2023) ?
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

217 414 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

19 609 €

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

19 609 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

98.8%

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 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 87%. 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 73.6 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 8.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

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

14.26%

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

87.431%

Cash flow / Revenue (2023) ?
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

8.914%

Repayment capacity (2023) ?
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

73.644

Solvency indicators evolution
BANQUE AFRIQUE-AMERIQUE GIDEPPE

Sector positioning

Debt ratio
14.26 2023
2021
2022
2023
Q1: 0.0
Med: 0.5
Q3: 41.04
Average

In 2023, the debt ratio of BANQUE AFRIQUE-AMERIQUE G... (14.26) 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
87.43% 2023
2021
2022
2023
Q1: 2.81%
Med: 32.64%
Q3: 58.04%
Excellent

In 2023, the financial autonomy of BANQUE AFRIQUE-AMERIQUE G... (87.4%) 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
73.64 years 2023
2021
2022
2023
Q1: -0.0 years
Med: 0.0 years
Q3: 0.39 years
Watch +8 pts over 3 years

In 2023, the repayment capacity of BANQUE AFRIQUE-AMERIQUE G... (73.64) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 67669.42. 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

67669.416

Interest coverage (2023) ?
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

0.0

Liquidity indicators evolution
BANQUE AFRIQUE-AMERIQUE GIDEPPE

Sector positioning

Liquidity ratio
67669.42 2023
2021
2022
2023
Q1: 119.64
Med: 207.47
Q3: 420.56
Excellent +11 pts over 3 years

In 2023, the liquidity ratio of BANQUE AFRIQUE-AMERIQUE G... (67669.42) 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 2023
2021
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 0.46x
Average

In 2023, the interest coverage of BANQUE AFRIQUE-AMERIQUE G... (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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 13781 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 1677 days. The gap of 12104 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 13077 days of revenue, i.e. 8.0 M€ to permanently finance.

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

7 991 128 €

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

13781 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

1677 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 in days of revenue (2023) ?
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

13077 j

WCR and payment terms evolution
BANQUE AFRIQUE-AMERIQUE GIDEPPE

Positioning of BANQUE AFRIQUE-AMERIQUE GIDEPPE in its sector

Comparison with sector Édition de revues et périodiques

Valuation estimate

Based on 67 transactions of similar company sales (all years), the value of BANQUE AFRIQUE-AMERIQUE GIDEPPE is estimated at 146 986 € (range 76 924€ - 728 393€). With an EBITDA of 217 414€, the sector multiple of 1.1x is applied. The price/revenue ratio is 0.16x (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.

Estimated enterprise value 2023
67 tx
76k€ 146k€ 728k€
146 986 € Range: 76 924€ - 728 393€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
217 414 € × 1.1x
Estimation 229 480 €
130 481€ - 1 322 749€
Revenue Multiple 30%
219 984 € × 0.16x
Estimation 36 177 €
24 659€ - 100 088€
Net Income Multiple 20%
19 609 € × 5.5x
Estimation 106 968 €
21 432€ - 184 961€
How is this estimate calculated?

This estimate is based on the analysis of 67 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 (Édition de revues et périodiques)

Compare BANQUE AFRIQUE-AMERIQUE GIDEPPE with other companies in the same sector:

Voir toutes les statistiques du secteur Édition de revues et périodiques

Frequently asked questions about BANQUE AFRIQUE-AMERIQUE GIDEPPE

What is the revenue of BANQUE AFRIQUE-AMERIQUE GIDEPPE ?

The revenue of BANQUE AFRIQUE-AMERIQUE GIDEPPE in 2023 is 220 k€.

Is BANQUE AFRIQUE-AMERIQUE GIDEPPE profitable?

Yes, BANQUE AFRIQUE-AMERIQUE GIDEPPE generated a net profit of 20 k€ in 2023.

Where is the headquarters of BANQUE AFRIQUE-AMERIQUE GIDEPPE ?

The headquarters of BANQUE AFRIQUE-AMERIQUE GIDEPPE is located in SENLIS (60300), in the department Oise.

Where to find the tax return of BANQUE AFRIQUE-AMERIQUE GIDEPPE ?

The tax return of BANQUE AFRIQUE-AMERIQUE GIDEPPE 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 BANQUE AFRIQUE-AMERIQUE GIDEPPE operate?

BANQUE AFRIQUE-AMERIQUE GIDEPPE operates in the sector Édition de revues et périodiques (NAF code 58.14Z). See the 'Sector positioning' section above to compare the company with its competitors.