SIREN : 327220315
GERBE SAVOYARDE FINANCES is a French company founded 54 years ago, specialized in the sector Activités des sociétés holding. Based in ANNECY (74000), this company of category PME shows in 2024 a revenue of 1.5 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
| Indicator | 2024 | 2023 | 2022 | 2020 | 2019 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 1 534 188 € | 1 331 552 € | 1 257 723 € | 1 216 290 € | 1 211 616 € | 1 359 292 € | 1 203 161 € |
| Net income | 176 476 € | 224 309 € | 249 699 € | 166 376 € | 189 206 € | 299 531 € | 292 233 € |
| EBITDA | 338 248 € | 229 131 € | 138 257 € | 202 564 € | 204 606 € | 346 004 € | 263 132 € |
| Net margin | 11.5% | 16.8% | 19.9% | 13.7% | 15.6% | 22.0% | 24.3% |
In 2024, GERBE SAVOYARDE FINANCES achieves revenue of 1.5 M€. Revenue is growing positively over 7 years (CAGR: +3.1%). Vs 2023, growth of +15% (1.3 M€ -> 1.5 M€). After deducting consumption (0 €), gross margin stands at 1.5 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 338 k€, representing 22.0% of revenue. Positive scissor effect: EBITDA margin improves by +4.8 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 176 k€, i.e. 11.5% of revenue. This profit can be retained or distributed to shareholders.
1 534 188 €
1 534 188 €
338 248 €
230 177 €
176 476 €
22.0%
The debt ratio (= Financial debt / Equity x 100) stands at 51%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 62%. 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 7.0 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 28.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
51.346%
61.912%
28.362%
6.992
61.4%
In 2024, the debt ratio of GERBE SAVOYARDE FINANCES (51.35) 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 GERBE SAVOYARDE FINANCES (61.9%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of GERBE SAVOYARDE FINANCES (6.99) 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 884.26. 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 12.1x. Operating income very largely covers interest expenses: high safety margin.
884.259
12.146
In 2024, the liquidity ratio of GERBE SAVOYARDE FINANCES (884.26) 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 2024, the interest coverage of GERBE SAVOYARDE FINANCES (12.2x) 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: 101 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 103 days. Favorable situation: supplier credit is longer than customer credit by 2 days. Overall, WCR represents 886 days of revenue, i.e. 3.8 M€ to permanently finance. Over 2016-2024, WCR increased by +61%, requiring additional financing.
3 776 082 €
101 j
103 j
0 j
886 j
Based on 54 transactions of similar company sales
in 2024,
the value of GERBE SAVOYARDE FINANCES is estimated at
1 140 373 €
(range 339 895€ - 1 995 160€).
With an EBITDA of 338 248€, 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.
Ajustez les pondérations selon votre analyse
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 GERBE SAVOYARDE FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of GERBE SAVOYARDE FINANCES in 2024 is 1.5 M€.
Yes, GERBE SAVOYARDE FINANCES generated a net profit of 176 k€ in 2024.
The headquarters of GERBE SAVOYARDE FINANCES is located in ANNECY (74000), in the department Haute-Savoie.
The tax return of GERBE SAVOYARDE 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).
GERBE SAVOYARDE 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.