GERARD CROSET ACTUAIRE : revenue, balance sheet and financial ratios

GERARD CROSET ACTUAIRE is a French company founded 29 years ago, specialized in the sector Conseil pour les affaires et autres conseils de gestion. Based in PARIS (75010), this company of category PME shows in 2022 a revenue of 18 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

Financial history - GERARD CROSET ACTUAIRE (SIREN 409519303)
Indicator 2022 2020 2019 2018 2017 2016
Revenue 18 268 € 15 448 € 14 674 € 15 060 € 12 371 € 24 061 €
Net income -41 € 1 722 € -1 729 € 2 517 € 26 719 € 519 €
EBITDA 91 € -4 153 € -9 904 € -21 434 € -43 473 € -43 620 €
Net margin -0.2% 11.1% -11.8% 16.7% 216.0% 2.2%

Revenue and income statement

In 2022, GERARD CROSET ACTUAIRE achieves revenue of 18 k€. Activity remains stable over the period (CAGR: -4.5%). Vs 2020, growth of +18% (15 k€ -> 18 k€). After deducting consumption (445 €), gross margin stands at 18 k€, i.e. a rate of 98%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 91 €, representing 0.5% of revenue. Positive scissor effect: EBITDA margin improves by +27.4 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -41 € (-0.2% of revenue), which will impact equity.

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

18 268 €

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

17 823 €

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

91 €

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

-41 €

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

-41 €

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

0.5%

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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 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 77%. 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 380.8 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 0.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

29.143%

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

76.95%

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

0.498%

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

380.769

Solvency indicators evolution
GERARD CROSET ACTUAIRE

Sector positioning

Debt ratio
29.14 2022
2019
2020
2022
Q1: 0.0
Med: 5.47
Q3: 56.05
Average -13 pts over 3 years

In 2022, the debt ratio of GERARD CROSET ACTUAIRE (29.14) 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
76.95% 2022
2019
2020
2022
Q1: 6.67%
Med: 40.68%
Q3: 75.55%
Excellent +9 pts over 3 years

In 2022, the financial autonomy of GERARD CROSET ACTUAIRE (77.0%) 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.

Repayment capacity
380.77 years 2022
2019
2020
2022
Q1: 0.0 years
Med: 0.0 years
Q3: 1.03 years
Watch +50 pts over 3 years

In 2022, the repayment capacity of GERARD CROSET ACTUAIRE (380.77) 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 4356.28. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

4356.277

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

0.0

Liquidity indicators evolution
GERARD CROSET ACTUAIRE

Sector positioning

Liquidity ratio
4356.28 2022
2019
2022
Q1: 135.97
Med: 284.06
Q3: 751.68
Excellent

In 2022, the liquidity ratio of GERARD CROSET ACTUAIRE (4356.28) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
0.0x 2022
2019
2020
2022
Q1: 0.0x
Med: 0.0x
Q3: 0.31x
Average

In 2022, the interest coverage of GERARD CROSET ACTUAIRE (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 15 days. Favorable situation: supplier credit is longer than customer credit by 15 days. Overall, WCR represents 508 days of revenue, i.e. 26 k€ to permanently finance. Over 2016-2022, WCR increased by +1195%, 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

25 784 €

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

0 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

15 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

508 j

WCR and payment terms evolution
GERARD CROSET ACTUAIRE

Positioning of GERARD CROSET ACTUAIRE in its sector

Comparison with sector Conseil pour les affaires et autres conseils de gestion

Valuation estimate

Based on 88 transactions of similar company sales in 2022, the value of GERARD CROSET ACTUAIRE is estimated at 2 638 € (range 1 496€ - 5 806€). With an EBITDA of 91€, the sector multiple of 6.8x is applied. The price/revenue ratio is 0.33x (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 2022
88 tx
1k€ 2k€ 5k€
2 638 € Range: 1 496€ - 5 806€
NAF 5 année 2022

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
91 € × 6.8x
Estimation 623 €
340€ - 1 237€
Revenue Multiple 30%
18 268 € × 0.33x
Estimation 5 999 €
3 423€ - 13 421€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 88 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 (Conseil pour les affaires et autres conseils de gestion)

Compare GERARD CROSET ACTUAIRE with other companies in the same sector:

Voir toutes les statistiques du secteur Conseil pour les affaires et autres conseils de gestion

Frequently asked questions about GERARD CROSET ACTUAIRE

What is the revenue of GERARD CROSET ACTUAIRE ?

The revenue of GERARD CROSET ACTUAIRE in 2022 is 18 k€.

Is GERARD CROSET ACTUAIRE profitable?

GERARD CROSET ACTUAIRE recorded a net loss in 2022.

Where is the headquarters of GERARD CROSET ACTUAIRE ?

The headquarters of GERARD CROSET ACTUAIRE is located in PARIS (75010), in the department Paris.

Where to find the tax return of GERARD CROSET ACTUAIRE ?

The tax return of GERARD CROSET ACTUAIRE 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 GERARD CROSET ACTUAIRE operate?

GERARD CROSET ACTUAIRE operates in the sector Conseil pour les affaires et autres conseils de gestion (NAF code 70.22Z). See the 'Sector positioning' section above to compare the company with its competitors.