BANQUE DELUBAC ET CIE : revenue, balance sheet and financial ratios

BANQUE DELUBAC ET CIE is a French company founded 50 years ago, specialized in the sector Autres intermédiations monétaires. Based in LE CHEYLARD (07160), this company of category ETI shows in 2023 a revenue of 65.9 M€. 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 DELUBAC ET CIE (SIREN 305776890)
Indicator 2024 2023 2022 2021 2020
Revenue N/C 65 927 000 € 32 638 000 € 33 356 000 € N/C
Net income -4 000 000 € 0 € 346 000 € 747 000 € 0 €
EBITDA N/C 65 927 000 € 32 638 000 € -9 402 000 € N/C
Net margin N/C 0.0% 1.1% 2.2% N/C

Revenue and income statement

In 2024, BANQUE DELUBAC ET CIE records a net loss of 4.0 M€. This deficit will reduce equity on the balance sheet.

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

37 360 000 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-4 000 000 €

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

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 3%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.0%

Financial autonomy (2024) ?
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

2.617%

Repayment capacity (2024) ?
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

0.0

Solvency indicators evolution
BANQUE DELUBAC ET CIE

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 0.0
Q3: 38.07
Excellent

In 2024, the debt ratio of BANQUE DELUBAC ET CIE (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
2.62% 2024
2022
2023
2024
Q1: 6.06%
Med: 9.53%
Q3: 57.67%
Average

In 2024, the financial autonomy of BANQUE DELUBAC ET CIE (2.6%) 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
0.0 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.76 years
Excellent

In 2024, the repayment capacity of BANQUE DELUBAC ET CIE (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.

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 (2024) ?
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 (2024) ?
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 (2024) ?
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 (2024) ?
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
BANQUE DELUBAC ET CIE

Positioning of BANQUE DELUBAC ET CIE in its sector

Comparison with sector Autres intermédiations monétaires

Similar companies (Autres intermédiations monétaires)

Compare BANQUE DELUBAC ET CIE with other companies in the same sector:

Voir toutes les statistiques du secteur Autres intermédiations monétaires

Frequently asked questions about BANQUE DELUBAC ET CIE

What is the revenue of BANQUE DELUBAC ET CIE ?

The revenue of BANQUE DELUBAC ET CIE in 2023 is 65.9 M€.

Is BANQUE DELUBAC ET CIE profitable?

BANQUE DELUBAC ET CIE recorded a net loss in 2024.

Where is the headquarters of BANQUE DELUBAC ET CIE ?

The headquarters of BANQUE DELUBAC ET CIE is located in LE CHEYLARD (07160), in the department Ardeche.

Where to find the tax return of BANQUE DELUBAC ET CIE ?

The tax return of BANQUE DELUBAC ET CIE 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 DELUBAC ET CIE operate?

BANQUE DELUBAC ET CIE operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.