FINANCIERE GO SYSTEMES : revenue, balance sheet and financial ratios

FINANCIERE GO SYSTEMES is a French company founded 30 years ago, specialized in the sector Activités des sociétés holding. Based in SAINT-CYR-SUR-LOIRE (37540), this company of category PME shows in 2022 a revenue of 332 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 - FINANCIERE GO SYSTEMES (SIREN 402439194)
Indicator 2022 2021 2020 2019 2018 2017 2016 2015 2014
Revenue 332 443 € 327 685 € 295 768 € 352 124 € 339 186 € 355 877 € N/C 287 453 € 305 312 €
Net income 8 856 € 5 211 € 4 789 € 13 261 € 12 103 € 12 462 € 4 000 € 11 376 € -5 458 €
EBITDA 14 375 € 14 138 € 6 351 € 15 884 € 8 684 € 14 064 € N/C 6 962 € 1 440 €
Net margin 2.7% 1.6% 1.6% 3.8% 3.6% 3.5% N/C 4.0% -1.8%

Revenue and income statement

In 2022, FINANCIERE GO SYSTEMES achieves revenue of 332 k€. Revenue is growing positively over 9 years (CAGR: +1.1%). Vs 2021: +1%. After deducting consumption (0 €), gross margin stands at 332 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 14 k€, representing 4.3% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 9 k€, i.e. 2.7% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

332 443 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

332 443 €

EBITDA (2022) ?
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

14 375 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

6 145 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

8 856 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

4.3%

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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 24%. 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 56%. 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 3.7 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 5.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

Debt ratio (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

24.019%

Financial autonomy (2022) ?
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

55.56%

Cash flow / Revenue (2022) ?
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

5.139%

Repayment capacity (2022) ?
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

3.748

Asset age ratio (2022) ?
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

13.6%

Solvency indicators evolution
FINANCIERE GO SYSTEMES

Sector positioning

Debt ratio
24.02 2022
2020
2021
2022
Q1: 0.1
Med: 13.78
Q3: 79.91
Average

In 2022, the debt ratio of FINANCIERE GO SYSTEMES (24.02) 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
55.56% 2022
2020
2021
2022
Q1: 21.11%
Med: 62.06%
Q3: 90.2%
Average

In 2022, the financial autonomy of FINANCIERE GO SYSTEMES (55.6%) 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
3.75 years 2022
2020
2021
2022
Q1: 0.0 years
Med: 0.1 years
Q3: 3.28 years
Average

In 2022, the repayment capacity of FINANCIERE GO SYSTEMES (3.75) 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 224.41. 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 4.3x. Financial charges are adequately covered by operations.

Liquidity ratio (2022) ?
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

224.406

Interest coverage (2022) ?
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

4.299

Liquidity indicators evolution
FINANCIERE GO SYSTEMES

Sector positioning

Liquidity ratio
224.41 2022
2020
2021
2022
Q1: 111.66
Med: 499.96
Q3: 2835.13
Average

In 2022, the liquidity ratio of FINANCIERE GO SYSTEMES (224.41) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
4.3x 2022
2020
2021
2022
Q1: -53.22x
Med: 0.0x
Q3: 0.0x
Excellent

In 2022, the interest coverage of FINANCIERE GO SYSTEMES (4.3x) 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. Average customer payment term: 174 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 33 days. The gap of 141 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 200 days of revenue, i.e. 185 k€ to permanently finance. Over 2014-2022, WCR increased by +331%, requiring additional financing.

Operating WCR (2022) ?
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

185 138 €

Customer credit (2022) ?
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

174 j

Supplier credit (2022) ?
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

33 j

Inventory turnover (2022) ?
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 (2022) ?
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

200 j

WCR and payment terms evolution
FINANCIERE GO SYSTEMES

Positioning of FINANCIERE GO SYSTEMES in its sector

Comparison with sector Activités des sociétés holding

Valuation estimate

Based on 70 transactions of similar company sales in 2022, the value of FINANCIERE GO SYSTEMES is estimated at 90 570 € (range 38 478€ - 179 701€). With an EBITDA of 14 375€, the sector multiple of 2.4x is applied. The price/revenue ratio is 0.67x (in line with sector norms). 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 2022
70 tx
38k€ 90k€ 179k€
90 570 € Range: 38 478€ - 179 701€
NAF 5 année 2022

Valuation detail by method

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EBITDA Multiple 50%
14 375 € × 2.4x
Estimation 34 785 €
18 115€ - 115 611€
Revenue Multiple 30%
332 443 € × 0.67x
Estimation 222 023 €
90 983€ - 361 844€
Net Income Multiple 20%
8 856 € × 3.7x
Estimation 32 854 €
10 630€ - 66 716€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 70 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 sociétés holding)

Compare FINANCIERE GO SYSTEMES with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sociétés holding

Frequently asked questions about FINANCIERE GO SYSTEMES

What is the revenue of FINANCIERE GO SYSTEMES ?

The revenue of FINANCIERE GO SYSTEMES in 2022 is 332 k€.

Is FINANCIERE GO SYSTEMES profitable?

Yes, FINANCIERE GO SYSTEMES generated a net profit of 9 k€ in 2022.

Where is the headquarters of FINANCIERE GO SYSTEMES ?

The headquarters of FINANCIERE GO SYSTEMES is located in SAINT-CYR-SUR-LOIRE (37540), in the department Indre-et-Loire.

Where to find the tax return of FINANCIERE GO SYSTEMES ?

The tax return of FINANCIERE GO SYSTEMES 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 GO SYSTEMES operate?

FINANCIERE GO SYSTEMES 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.