FRANCE GATINAIS CEREALES UNION DE COOPERATIVES AGRICOLES : revenue, balance sheet and financial ratios

FRANCE GATINAIS CEREALES UNION DE COOPERATIVES AGRICOLES is a French company founded 17 years ago, specialized in the sector Commerce de gros (commerce interentreprises) de céréales, de tabac non manufacturé, de semences et d'aliments pour le bétail . Based in MONTARGIS (45200), this company of category PME shows in 2025 a revenue of 216.6 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 - FRANCE GATINAIS CEREALES UNION DE COOPERATIVES AGRICOLES (SIREN 511054900)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2016
Revenue 216 558 198 € 244 825 493 € 314 260 979 € 264 161 221 € 179 375 667 € 177 827 560 € 195 258 803 € 151 337 744 € 172 023 899 €
Net income 0 € 0 € 8 € 0 € 0 € 41 930 € 13 249 € 0 € 35 154 €
EBITDA 1 556 € 3 508 € 2 138 € 849 € -3 818 € 42 017 € 13 675 € 990 € 38 300 €
Net margin 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

Revenue and income statement

In 2025, FRANCE GATINAIS CEREALES UNION DE COOPERATIVES AGRICOLES achieves revenue of 216.6 M€. Revenue is growing positively over 9 years (CAGR: +2.6%). Significant drop of -12% vs 2024. After deducting consumption (215.6 M€), gross margin stands at 924 k€, i.e. a rate of 0%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 2 k€, representing 0.0% of revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at 0 € (0.0% of revenue), which will impact equity.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

216 558 198 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

924 237 €

EBITDA (2025) ?
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

1 556 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

1 675 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

0.0%

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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 53%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 4369.5 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high.

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

52.941%

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

0.339%

Cash flow / Revenue (2025) ?
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

0.0%

Repayment capacity (2025) ?
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

4369.545

Solvency indicators evolution
FRANCE GATINAIS CEREALES UNION DE COOPERATIVES AGRICOLES

Sector positioning

Debt ratio
52.94 2025
2023
2024
2025
Q1: 6.47
Med: 45.92
Q3: 121.67
Average -23 pts over 3 years

In 2025, the debt ratio of FRANCE GATINAIS CEREALES ... (52.94) 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
0.34% 2025
2023
2024
2025
Q1: 19.72%
Med: 40.93%
Q3: 57.41%
Average

In 2025, the financial autonomy of FRANCE GATINAIS CEREALES ... (0.3%) 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
4369.55 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 2.08 years
Q3: 6.31 years
Watch +23 pts over 3 years

In 2025, the repayment capacity of FRANCE GATINAIS CEREALES ... (4369.55) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 100.35. 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 266.3x. Operating income very largely covers interest expenses: high safety margin.

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

100.348

Interest coverage (2025) ?
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

266.26

Liquidity indicators evolution
FRANCE GATINAIS CEREALES UNION DE COOPERATIVES AGRICOLES

Sector positioning

Liquidity ratio
100.35 2025
2023
2024
2025
Q1: 130.13
Med: 212.59
Q3: 336.97
Watch

In 2025, the liquidity ratio of FRANCE GATINAIS CEREALES ... (100.35) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
266.26x 2025
2023
2024
2025
Q1: 0.0x
Med: 13.85x
Q3: 38.47x
Excellent

In 2025, the interest coverage of FRANCE GATINAIS CEREALES ... (266.3x) 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: 34 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 44 days. Favorable situation: supplier credit is longer than customer credit by 10 days. Overall, WCR represents 42 days of revenue, i.e. 25.1 M€ to permanently finance. Over 2016-2025, WCR increased by +3235%, requiring additional financing.

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

25 073 108 €

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

34 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

44 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 in days of revenue (2025) ?
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

42 j

WCR and payment terms evolution
FRANCE GATINAIS CEREALES UNION DE COOPERATIVES AGRICOLES

Positioning of FRANCE GATINAIS CEREALES UNION DE COOPERATIVES AGRICOLES in its sector

Comparison with sector Commerce de gros (commerce interentreprises) de céréales, de tabac non manufacturé, de semences et d'aliments pour le bétail

Valuation estimate

Based on 94 transactions of similar company sales (all years), the value of FRANCE GATINAIS CEREALES UNION DE COOPERATIVES AGRICOLES is estimated at 12 273 038 € (range 8 329 616€ - 14 091 808€). With an EBITDA of 1 556€, the sector multiple of 0.5x is applied. The price/revenue ratio is 0.15x (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.

Estimated enterprise value 2025
94 tx
8329k€ 12273k€ 14091k€
12 273 038 € Range: 8 329 616€ - 14 091 808€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
1 556 € × 0.5x
Estimation 759 €
448€ - 3 244€
Revenue Multiple 30%
216 558 198 € × 0.15x
Estimation 32 726 838 €
22 211 565€ - 37 572 748€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 94 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 (Commerce de gros (commerce interentreprises) de céréales, de tabac non manufacturé, de semences et d'aliments pour le bétail )

Compare FRANCE GATINAIS CEREALES UNION DE COOPERATIVES AGRICOLES with other companies in the same sector:

Voir toutes les statistiques du secteur Commerce de gros (commerce interentreprises) de céréales, de tabac non manufacturé, de semences et d'aliments pour le bétail

Frequently asked questions about FRANCE GATINAIS CEREALES UNION DE COOPERATIVES AGRICOLES

What is the revenue of FRANCE GATINAIS CEREALES UNION DE COOPERATIVES AGRICOLES ?

The revenue of FRANCE GATINAIS CEREALES UNION DE COOPERATIVES AGRICOLES in 2025 is 216.6 M€.

Is FRANCE GATINAIS CEREALES UNION DE COOPERATIVES AGRICOLES profitable?

Yes, FRANCE GATINAIS CEREALES UNION DE COOPERATIVES AGRICOLES generated a net profit of 8€ in 2023.

Where is the headquarters of FRANCE GATINAIS CEREALES UNION DE COOPERATIVES AGRICOLES ?

The headquarters of FRANCE GATINAIS CEREALES UNION DE COOPERATIVES AGRICOLES is located in MONTARGIS (45200), in the department Loiret.

Where to find the tax return of FRANCE GATINAIS CEREALES UNION DE COOPERATIVES AGRICOLES ?

The tax return of FRANCE GATINAIS CEREALES UNION DE COOPERATIVES AGRICOLES 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 FRANCE GATINAIS CEREALES UNION DE COOPERATIVES AGRICOLES operate?

FRANCE GATINAIS CEREALES UNION DE COOPERATIVES AGRICOLES operates in the sector Commerce de gros (commerce interentreprises) de céréales, de tabac non manufacturé, de semences et d'aliments pour le bétail (NAF code 46.21Z). See the 'Sector positioning' section above to compare the company with its competitors.