SIREN : 445150873
FINANCIERE GIRARD is a French company founded 23 years ago, specialized in the sector Activités des sociétés holding. Based in VILLARS-LES-DOMBES (01330), this company of category PME shows in 2025 a revenue of 648 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
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 648 000 € | 733 000 € | 475 000 € | 461 000 € | 496 000 € | 489 000 € | 496 000 € | 488 000 € | 366 500 € |
| Net income | 380 545 € | 382 841 € | 397 012 € | 357 303 € | 117 128 € | 150 533 € | 170 768 € | 253 630 € | 133 534 € |
| EBITDA | 18 750 € | 40 303 € | 27 373 € | 24 384 € | 53 623 € | 53 353 € | 53 797 € | 52 789 € | 44 412 € |
| Net margin | 58.7% | 52.2% | 83.6% | 77.5% | 23.6% | 30.8% | 34.4% | 52.0% | 36.4% |
In 2025, FINANCIERE GIRARD achieves revenue of 648 k€. Over the period 2017-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +7.4%. Significant drop of -12% vs 2024. After deducting consumption (0 €), gross margin stands at 648 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 19 k€, representing 2.9% of revenue. Warning negative scissor effect: despite revenue change (-12%), EBITDA varies by -53%, reducing margin by 2.6 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 381 k€, i.e. 58.7% of revenue. This profit can be retained or distributed to shareholders.
648 000 €
648 000 €
18 750 €
31 880 €
380 545 €
2.9%
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 95%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 56.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.0%
94.756%
56.7%
0.0
In 2025, the debt ratio of FINANCIERE GIRARD (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.
In 2025, the financial autonomy of FINANCIERE GIRARD (94.8%) 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.
In 2025, the repayment capacity of FINANCIERE GIRARD (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.
The liquidity ratio (= Current assets / Current liabilities) stands at 1392.62. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
1392.625
0.0
In 2025, the liquidity ratio of FINANCIERE GIRARD (1392.62) 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 2025, the interest coverage of FINANCIERE GIRARD (0.0x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 312 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 206 days. The gap of 106 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 490 days of revenue, i.e. 882 k€ to permanently finance. Notable WCR improvement over the period (-27%), freeing up cash.
882 077 €
312 j
206 j
0 j
490 j
Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 251 106€ to 2 357 507€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 20 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 GIRARD with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of FINANCIERE GIRARD in 2025 is 648 k€.
Yes, FINANCIERE GIRARD generated a net profit of 381 k€ in 2025.
The headquarters of FINANCIERE GIRARD is located in VILLARS-LES-DOMBES (01330), in the department Ain.
The tax return of FINANCIERE GIRARD 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 GIRARD operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.