SIREN : 839264397
FINANCIERE GFJ is a French company founded 8 years ago, specialized in the sector Activités des sièges sociaux. Based in LA GACILLY (56200), this company of category PME shows in 2020 a revenue of 162 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
| Indicator | 2020 | 2019 |
|---|---|---|
| Revenue | 162 000 € | 141 750 € |
| Net income | 276 174 € | 817 839 € |
| EBITDA | 7 203 € | -34 195 € |
| Net margin | 170.5% | 577.0% |
In 2020, FINANCIERE GFJ achieves revenue of 162 k€. Vs 2019, growth of +14% (142 k€ -> 162 k€). After deducting consumption (0 €), gross margin stands at 162 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 7 k€, representing 4.4% of revenue. Positive scissor effect: EBITDA margin improves by +28.6 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 276 k€, i.e. 170.5% of revenue. This profit can be retained or distributed to shareholders.
162 000 €
162 000 €
7 203 €
2 513 €
276 174 €
4.4%
The debt ratio (= Financial debt / Equity x 100) stands at 147%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 40%. 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 7.2 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 178.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
147.321%
40.243%
178.106%
7.197
In 2020, the debt ratio of FINANCIERE GFJ (147.32) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2020, the financial autonomy of FINANCIERE GFJ (40.2%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2020, the repayment capacity of FINANCIERE GFJ (7.20) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 550.33. 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 477.8x. Operating income very largely covers interest expenses: high safety margin.
550.328
477.843
In 2020, the liquidity ratio of FINANCIERE GFJ (550.33) 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.
In 2020, the interest coverage of FINANCIERE GFJ (477.8x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 32 days. Excellent situation: suppliers finance 32 days of the operating cycle (retail model). Overall, WCR represents 8 days of revenue, i.e. 3 k€ to permanently finance.
3 462 €
0 j
32 j
0 j
8 j
Based on 83 transactions of similar company sales
in 2020,
the value of FINANCIERE GFJ is estimated at
537 458 €
(range 147 999€ - 1 187 513€).
With an EBITDA of 7 203€, the sector multiple of 4.6x is applied.
The price/revenue ratio is 0.35x
(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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 83 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare FINANCIERE GFJ with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sièges sociaux
The revenue of FINANCIERE GFJ in 2020 is 162 k€.
Yes, FINANCIERE GFJ generated a net profit of 276 k€ in 2020.
The headquarters of FINANCIERE GFJ is located in LA GACILLY (56200), in the department Morbihan.
The tax return of FINANCIERE GFJ 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).
FINANCIERE GFJ 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.