SIREN : 349939645
GERMA is a French company founded 37 years ago, specialized in the sector Supermarchés. Based in SAVERDUN (09700), this company of category PME shows in 2024 a revenue of 28.8 M€. 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 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 28 814 136 € | 27 562 613 € | 26 426 766 € | 25 045 225 € | 23 663 919 € | 22 967 357 € | 23 127 885 € | 22 010 654 € | 19 249 384 € |
| Net income | -59 255 € | 200 408 € | -118 584 € | 42 480 € | 111 674 € | 29 782 € | 64 025 € | 27 788 € | 371 361 € |
| EBITDA | 9 984 € | 330 861 € | 143 022 € | 376 028 € | 446 997 € | 212 244 € | 363 293 € | 300 692 € | -119 684 € |
| Net margin | -0.2% | 0.7% | -0.4% | 0.2% | 0.5% | 0.1% | 0.3% | 0.1% | 1.9% |
In 2024, GERMA achieves revenue of 28.8 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +5.2%. Vs 2023: +5%. After deducting consumption (24.0 M€), gross margin stands at 4.8 M€, i.e. a rate of 17%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 10 k€, representing 0.0% of revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -59 k€ (-0.2% of revenue), which will impact equity.
28 814 136 €
4 830 559 €
9 984 €
-216 503 €
-59 255 €
0.0%
The debt ratio (= Financial debt / Equity x 100) stands at 59%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 35%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 10.9 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 0.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
59.293%
34.715%
0.405%
10.879
15.3%
In 2024, the debt ratio of GERMA (59.29) 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 GERMA (34.7%) 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 GERMA (10.88) 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 177.19. 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 287.3x. Operating income very largely covers interest expenses: high safety margin.
177.192
287.34
In 2024, the liquidity ratio of GERMA (177.19) 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 GERMA (287.3x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 1 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 19 days. Favorable situation: supplier credit is longer than customer credit by 18 days. Inventory turnover is 14 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 1 days of revenue, i.e. 95 k€ to permanently finance. Notable WCR improvement over the period (-86%), freeing up cash.
94 510 €
1 j
19 j
14 j
1 j
Based on 551 transactions of similar company sales in 2024, the value of GERMA is estimated at 2 513 822 € (range 1 361 029€ - 4 625 415€). With an EBITDA of 9 984€, the sector multiple of 4.7x is applied. The price/revenue ratio is 0.23x (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.
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This estimate is based on the analysis of 551 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 GERMA with other companies in the same sector:
The revenue of GERMA in 2024 is 28.8 M€.
GERMA recorded a net loss in 2024.
The headquarters of GERMA is located in SAVERDUN (09700), in the department Ariege.
The tax return of GERMA 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).
GERMA operates in the sector Supermarchés (NAF code 47.11D). See the 'Sector positioning' section above to compare the company with its competitors.