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FINANCIERE GEMME : revenue, balance sheet and financial ratios

FINANCIERE GEMME is a French company founded 3 years ago, specialized in the sector Activités des sièges sociaux. Based in LYON (69002), this company of category PME shows in 2023 a revenue of 784 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - FINANCIERE GEMME (SIREN 914180302)
Indicator 2025 2024 2023
Revenue N/C N/C 784 465 €
Net income 305 665 € 360 386 € 329 948 €
EBITDA N/C N/C 178 873 €
Net margin N/C N/C 42.1%

Revenue and income statement

In 2025, FINANCIERE GEMME generates positive net income of 306 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2023-2025: 330 k€ -> 306 k€.

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

305 665 €

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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 142%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 39%. The balance between equity and debt is satisfactory.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

141.958%

Financial autonomy (2025) ?
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

38.509%

Asset age ratio (2025) ?
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

63.8%

Solvency indicators evolution
FINANCIERE GEMME

Sector positioning

Debt ratio
141.96 2025
2023
2024
2025
Q1: 0.1
Med: 12.78
Q3: 79.19
Average

In 2025, the debt ratio of FINANCIERE GEMME (141.96) 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
38.51% 2025
2023
2024
2025
Q1: 14.33%
Med: 56.86%
Q3: 88.94%
Average

In 2025, the financial autonomy of FINANCIERE GEMME (38.5%) 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
8.56 years 2023
2023
Q1: 0.0 years
Med: 0.21 years
Q3: 3.84 years
Average

In 2023, the repayment capacity of FINANCIERE GEMME (8.56) 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 726.11. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
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

726.105

Liquidity indicators evolution
FINANCIERE GEMME

Sector positioning

Liquidity ratio
726.11 2025
2023
2024
2025
Q1: 133.41
Med: 540.0
Q3: 2678.02
Good

In 2025, the liquidity ratio of FINANCIERE GEMME (726.11) 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.

Interest coverage
96.36x 2023
2023
Q1: -38.43x
Med: 0.0x
Q3: 2.72x
Excellent

In 2023, the interest coverage of FINANCIERE GEMME (96.4x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.

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 (2025) ?
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 (2025) ?
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 (2025) ?
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 (2025) ?
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
FINANCIERE GEMME

Positioning of FINANCIERE GEMME in its sector

Comparison with sector Activités des sièges sociaux

Valuation estimate

Based on 54 transactions of similar company sales in 2025, the value of FINANCIERE GEMME is estimated at 845 050 € (range 254 651€ - 1 739 812€). 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 2025
54 tx
254k€ 845k€ 1739k€
845 050 € Range: 254 651€ - 1 739 812€
NAF 5 année 2025

Valuation method used

Net Income Multiple
305 665 € × 2.8x = 845 051 €
Range: 254 651€ - 1 739 813€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 54 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 (Activités des sièges sociaux)

Compare FINANCIERE GEMME with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sièges sociaux

Frequently asked questions about FINANCIERE GEMME

What is the revenue of FINANCIERE GEMME ?

The revenue of FINANCIERE GEMME in 2023 is 784 k€.

Is FINANCIERE GEMME profitable?

Yes, FINANCIERE GEMME generated a net profit of 306 k€ in 2025.

Where is the headquarters of FINANCIERE GEMME ?

The headquarters of FINANCIERE GEMME is located in LYON (69002), in the department Rhone.

Where to find the tax return of FINANCIERE GEMME ?

The tax return of FINANCIERE GEMME 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 FINANCIERE GEMME operate?

FINANCIERE GEMME operates in the sector Activités des sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.