SIREN : 841654700
GERTINO MONTAGNE PROXIMITE is a French company founded 7 years ago, specialized in the sector Supermarchés. Based in NARBONNE (11100), this company of category PME shows in 2024 a revenue of 2.4 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-25
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|
| Revenue | 2 428 840 € | 2 592 548 € | 2 526 722 € | 2 517 512 € | 2 842 163 € | 2 461 034 € |
| Net income | -17 916 € | 52 014 € | 69 543 € | 42 786 € | 200 569 € | 60 169 € |
| EBITDA | 14 950 € | 128 393 € | 152 209 € | 106 662 € | 332 778 € | 147 816 € |
| Net margin | -0.7% | 2.0% | 2.8% | 1.7% | 7.1% | 2.4% |
In 2024, GERTINO MONTAGNE PROXIMITE achieves revenue of 2.4 M€. Activity remains stable over the period (CAGR: -0.3%). Slight decline of -6% vs 2023. After deducting consumption (1.7 M€), gross margin stands at 698 k€, i.e. a rate of 29%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 15 k€, representing 0.6% of revenue. Warning negative scissor effect: despite revenue change (-6%), EBITDA varies by -88%, reducing margin by 4.3 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -18 k€ (-0.7% of revenue), which will impact equity.
2 428 840 €
698 498 €
14 950 €
-47 475 €
-17 916 €
0.6%
The debt ratio (= Financial debt / Equity x 100) stands at 104%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 41%. 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 13.5 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 1.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
104.426%
41.1%
1.413%
13.544
31.9%
In 2024, the debt ratio of GERTINO MONTAGNE PROXIMITE (104.43) 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 GERTINO MONTAGNE PROXIMITE (41.1%) 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 GERTINO MONTAGNE PROXIMITE (13.54) 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 222.91. 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 65.5x. Operating income very largely covers interest expenses: high safety margin.
222.911
65.498
In 2024, the liquidity ratio of GERTINO MONTAGNE PROXIMITE (222.91) 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.
In 2024, the interest coverage of GERTINO MONTAGNE PROXIMITE (65.5x) 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: 24 days. Favorable situation: supplier credit is longer than customer credit by 24 days. Inventory turnover is 28 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 44 days of revenue, i.e. 298 k€ to permanently finance. Over 2019-2024, WCR increased by +142%, requiring additional financing.
298 140 €
0 j
24 j
28 j
44 j
Based on 551 transactions of similar company sales in 2024, the value of GERTINO MONTAGNE PROXIMITE is estimated at 253 588 € (range 129 255€ - 478 690€). With an EBITDA of 14 950€, 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 GERTINO MONTAGNE PROXIMITE with other companies in the same sector:
The revenue of GERTINO MONTAGNE PROXIMITE in 2024 is 2.4 M€.
GERTINO MONTAGNE PROXIMITE recorded a net loss in 2024.
The headquarters of GERTINO MONTAGNE PROXIMITE is located in NARBONNE (11100), in the department Aude.
The tax return of GERTINO MONTAGNE PROXIMITE 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).
GERTINO MONTAGNE PROXIMITE operates in the sector Supermarchés (NAF code 47.11D). See the 'Sector positioning' section above to compare the company with its competitors.