SIREN : 500007471
GAMBA FINANCES is a French company founded 18 years ago, specialized in the sector Activités des sociétés holding. Based in VENDEUVRE-SUR-BARSE (10140), this company of category PME shows in 2024 a revenue of 350 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 350 400 € | 350 400 € | 334 800 € | 334 800 € | 334 800 € | 320 300 € | 308 625 € | 300 300 € |
| Net income | 8 508 € | -63 838 € | 2 430 € | -31 964 € | 947 237 € | 55 381 € | 61 039 € | 3 987 € |
| EBITDA | 430 € | -47 937 € | -75 908 € | -84 061 € | -17 103 € | -10 858 € | -92 145 € | -82 626 € |
| Net margin | 2.4% | -18.2% | 0.7% | -9.5% | 282.9% | 17.3% | 19.8% | 1.3% |
In 2024, GAMBA FINANCES achieves revenue of 350 k€. Revenue is growing positively over 8 years (CAGR: +2.2%). Slight decline of 0% vs 2023. After deducting consumption (0 €), gross margin stands at 350 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 430 €, representing 0.1% of revenue. Positive scissor effect: EBITDA margin improves by +13.8 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 9 k€, i.e. 2.4% of revenue. This profit can be retained or distributed to shareholders.
350 400 €
350 400 €
430 €
2 246 €
8 508 €
0.1%
The debt ratio (= Financial debt / Equity x 100) stands at 29%. 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 70%. 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 76.0 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 1.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
29.37%
70.408%
1.856%
75.963
In 2024, the debt ratio of GAMBA FINANCES (29.37) 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 2024, the financial autonomy of GAMBA FINANCES (70.4%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
In 2024, the repayment capacity of GAMBA FINANCES (75.96) 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 114.50. 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 2710.5x. Operating income very largely covers interest expenses: high safety margin.
114.504
2710.465
In 2024, the liquidity ratio of GAMBA FINANCES (114.50) 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.
In 2024, the interest coverage of GAMBA FINANCES (2710.5x) 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: 129 days. Excellent situation: suppliers finance 129 days of the operating cycle (retail model). WCR is negative (-24 days): operations structurally generate cash. Notable WCR improvement over the period (-110%), freeing up cash.
-23 445 €
0 j
129 j
0 j
-24 j
Based on 54 transactions of similar company sales
in 2024,
the value of GAMBA FINANCES is estimated at
65 415 €
(range 40 264€ - 88 077€).
With an EBITDA of 430€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.59x
(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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare GAMBA FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of GAMBA FINANCES in 2024 is 350 k€.
Yes, GAMBA FINANCES generated a net profit of 9 k€ in 2024.
The headquarters of GAMBA FINANCES is located in VENDEUVRE-SUR-BARSE (10140), in the department Aube.
The tax return of GAMBA FINANCES 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).
GAMBA FINANCES 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.