GESTION PARTICIPATIONS INGENIERIE FINANCIERE : revenue, balance sheet and financial ratios

GESTION PARTICIPATIONS INGENIERIE FINANCIERE is a French company founded 10 years ago, specialized in the sector Conseil pour les affaires et autres conseils de gestion. Based in VICQ-SUR-NAHON (36600), this company of category PME shows in 2021 a revenue of 78 k€. 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

Financial history - GESTION PARTICIPATIONS INGENIERIE FINANCIERE (SIREN 818266629)
Indicator 2021 2020 2019 2018 2017 2016
Revenue 77 892 € 100 670 € 117 892 € 110 205 € 103 768 € 87 709 €
Net income -331 € 3 839 € 6 881 € 6 898 € 7 706 € 3 164 €
EBITDA 30 848 € 49 833 € 37 064 € 43 040 € 47 270 € 40 891 €
Net margin -0.4% 3.8% 5.8% 6.3% 7.4% 3.6%

Revenue and income statement

In 2021, GESTION PARTICIPATIONS INGENIERIE FINANCIERE achieves revenue of 78 k€. Activity remains stable over the period (CAGR: -2.3%). Significant drop of -23% vs 2020. After deducting consumption (324 €), gross margin stands at 78 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 31 k€, representing 39.6% of revenue. Warning negative scissor effect: despite revenue change (-23%), EBITDA varies by -38%, reducing margin by 9.9 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Net income is negative at -331 € (-0.4% of revenue), which will impact equity.

Revenue (2021) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

77 892 €

Gross margin (2021) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

77 568 €

EBITDA (2021) ?
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

30 848 €

EBIT (2021) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

629 €

Net income (2021) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-331 €

EBITDA margin (2021) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

39.6%

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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 73%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 37%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 38.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2021) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

72.522%

Financial autonomy (2021) ?
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

36.669%

Cash flow / Revenue (2021) ?
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

38.216%

Repayment capacity (2021) ?
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

2.049

Asset age ratio (2021) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

30.0%

Solvency indicators evolution
GESTION PARTICIPATIONS INGENIERIE FINANCIERE

Sector positioning

Debt ratio
72.52 2021
2019
2020
2021
Q1: 0.0
Med: 5.69
Q3: 57.9
Average

In 2021, the debt ratio of GESTION PARTICIPATIONS IN... (72.52) 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
36.67% 2021
2019
2020
2021
Q1: 6.69%
Med: 39.88%
Q3: 74.07%
Average -27 pts over 3 years

In 2021, the financial autonomy of GESTION PARTICIPATIONS IN... (36.7%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
2.05 years 2021
2019
2020
2021
Q1: 0.0 years
Med: 0.0 years
Q3: 1.06 years
Average

In 2021, the repayment capacity of GESTION PARTICIPATIONS IN... (2.05) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 96.39. 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 1.3x. Coverage is limited: any activity downturn would jeopardize interest payments.

Liquidity ratio (2021) ?
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

96.387

Interest coverage (2021) ?
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

1.316

Liquidity indicators evolution
GESTION PARTICIPATIONS INGENIERIE FINANCIERE

Sector positioning

Liquidity ratio
96.39 2021
2019
2020
2021
Q1: 138.84
Med: 286.06
Q3: 706.0
Average

In 2021, the liquidity ratio of GESTION PARTICIPATIONS IN... (96.39) 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.

Interest coverage
1.32x 2021
2019
2020
2021
Q1: 0.0x
Med: 0.0x
Q3: 0.2x
Excellent +17 pts over 3 years

In 2021, the interest coverage of GESTION PARTICIPATIONS IN... (1.3x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 18 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 6 days. The company must finance 12 days of gap between collections and payments. WCR is negative (-31 days): operations structurally generate cash.

Operating WCR (2021) ?
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

-6 701 €

Customer credit (2021) ?
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

18 j

Supplier credit (2021) ?
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

6 j

Inventory turnover (2021) ?
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 (2021) ?
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

-31 j

WCR and payment terms evolution
GESTION PARTICIPATIONS INGENIERIE FINANCIERE

Positioning of GESTION PARTICIPATIONS INGENIERIE FINANCIERE in its sector

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

Valuation estimate

Based on 61 transactions of similar company sales in 2021, the value of GESTION PARTICIPATIONS INGENIERIE FINANCIERE is estimated at 74 805 € (range 39 582€ - 163 748€). With an EBITDA of 30 848€, the sector multiple of 3.1x is applied. The price/revenue ratio is 0.54x (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.

Estimated enterprise value 2021
61 tx
39k€ 74k€ 163k€
74 805 € Range: 39 582€ - 163 748€
NAF 5 année 2021

Valuation detail by method

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EBITDA Multiple 50%
30 848 € × 3.1x
Estimation 94 407 €
53 039€ - 222 454€
Revenue Multiple 30%
77 892 € × 0.54x
Estimation 42 136 €
17 154€ - 65 906€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 61 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 GESTION PARTICIPATIONS INGENIERIE FINANCIERE 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 GESTION PARTICIPATIONS INGENIERIE FINANCIERE

What is the revenue of GESTION PARTICIPATIONS INGENIERIE FINANCIERE ?

The revenue of GESTION PARTICIPATIONS INGENIERIE FINANCIERE in 2021 is 78 k€.

Is GESTION PARTICIPATIONS INGENIERIE FINANCIERE profitable?

GESTION PARTICIPATIONS INGENIERIE FINANCIERE recorded a net loss in 2021.

Where is the headquarters of GESTION PARTICIPATIONS INGENIERIE FINANCIERE ?

The headquarters of GESTION PARTICIPATIONS INGENIERIE FINANCIERE is located in VICQ-SUR-NAHON (36600), in the department Indre.

Where to find the tax return of GESTION PARTICIPATIONS INGENIERIE FINANCIERE ?

The tax return of GESTION PARTICIPATIONS INGENIERIE FINANCIERE 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 GESTION PARTICIPATIONS INGENIERIE FINANCIERE operate?

GESTION PARTICIPATIONS INGENIERIE FINANCIERE 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.