GIESECKE+DEVRIENT EPAYMENTS FRANCE : revenue, balance sheet and financial ratios

GIESECKE+DEVRIENT EPAYMENTS FRANCE is a French company founded 34 years ago, specialized in the sector Traitement de données, hébergement et activités connexes. Based in CRAPONNE (69290), this company of category PME shows in 2024 a revenue of 57.7 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

Financial history - GIESECKE+DEVRIENT EPAYMENTS FRANCE (SIREN 385395926)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 57 742 628 € 52 866 317 € 52 073 911 € 53 933 713 € 45 123 566 € 52 908 679 € 32 467 241 € 25 922 752 € 19 789 399 €
Net income 1 860 688 € 1 049 343 € 2 175 631 € 3 901 628 € 1 501 903 € -719 994 € 436 047 € 1 284 926 € 636 498 €
EBITDA 9 848 853 € 8 641 209 € 9 971 758 € 11 994 899 € 7 626 248 € 4 697 468 € 2 902 322 € 947 122 € 915 187 €
Net margin 3.2% 2.0% 4.2% 7.2% 3.3% -1.4% 1.3% 5.0% 3.2%

Revenue and income statement

In 2024, GIESECKE+DEVRIENT EPAYMENTS FRANCE achieves revenue of 57.7 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +14.3%. Vs 2023: +9%. After deducting consumption (27.5 M€), gross margin stands at 30.2 M€, i.e. a rate of 52%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 9.8 M€, representing 17.1% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 1.9 M€, i.e. 3.2% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

57 742 628 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

30 227 480 €

EBITDA (2024) ?
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

9 848 853 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

3 472 335 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

1 860 688 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

17.1%

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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 91%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 31%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 5.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

90.675%

Financial autonomy (2024) ?
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

31.312%

Cash flow / Revenue (2024) ?
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

5.589%

Repayment capacity (2024) ?
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

2.329

Asset age ratio (2024) ?
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

29.9%

Solvency indicators evolution
GIESECKE+DEVRIENT EPAYMENTS FRANCE

Sector positioning

Debt ratio
90.67 2024
2022
2023
2024
Q1: 0.0
Med: 3.56
Q3: 36.34
Average

In 2024, the debt ratio of GIESECKE+DEVRIENT EPAYMEN... (90.67) 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
31.31% 2024
2022
2023
2024
Q1: 7.14%
Med: 36.48%
Q3: 62.14%
Average

In 2024, the financial autonomy of GIESECKE+DEVRIENT EPAYMEN... (31.3%) 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
2.33 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 1.09 years
Watch

In 2024, the repayment capacity of GIESECKE+DEVRIENT EPAYMEN... (2.33) 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 126.59. 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 5.5x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2024) ?
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

126.592

Interest coverage (2024) ?
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

5.533

Liquidity indicators evolution
GIESECKE+DEVRIENT EPAYMENTS FRANCE

Sector positioning

Liquidity ratio
126.59 2024
2022
2023
2024
Q1: 118.44
Med: 204.24
Q3: 388.71
Average

In 2024, the liquidity ratio of GIESECKE+DEVRIENT EPAYMEN... (126.59) 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
5.53x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.25x
Excellent

In 2024, the interest coverage of GIESECKE+DEVRIENT EPAYMEN... (5.5x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 28 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 47 days. Favorable situation: supplier credit is longer than customer credit by 19 days. Inventory turnover is 17 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 21 days of revenue, i.e. 3.3 M€ to permanently finance. Notable WCR improvement over the period (-27%), freeing up cash.

Operating WCR (2024) ?
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

3 339 256 €

Customer credit (2024) ?
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

28 j

Supplier credit (2024) ?
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

47 j

Inventory turnover (2024) ?
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

17 j

WCR in days of revenue (2024) ?
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

21 j

WCR and payment terms evolution
GIESECKE+DEVRIENT EPAYMENTS FRANCE

Positioning of GIESECKE+DEVRIENT EPAYMENTS FRANCE in its sector

Comparison with sector Traitement de données, hébergement et activités connexes

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (33 transactions). This range of 3 736 426€ to 18 509 691€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2024
Indicative
3736k€ 6921k€ 18509k€
6 921 578 € Range: 3 736 426€ - 18 509 691€
NAF 5 all-time
How is this estimate calculated?

This estimate is based on the analysis of 33 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 (Traitement de données, hébergement et activités connexes)

Compare GIESECKE+DEVRIENT EPAYMENTS FRANCE with other companies in the same sector:

Voir toutes les statistiques du secteur Traitement de données, hébergement et activités connexes

Frequently asked questions about GIESECKE+DEVRIENT EPAYMENTS FRANCE

What is the revenue of GIESECKE+DEVRIENT EPAYMENTS FRANCE ?

The revenue of GIESECKE+DEVRIENT EPAYMENTS FRANCE in 2024 is 57.7 M€.

Is GIESECKE+DEVRIENT EPAYMENTS FRANCE profitable?

Yes, GIESECKE+DEVRIENT EPAYMENTS FRANCE generated a net profit of 1.9 M€ in 2024.

Where is the headquarters of GIESECKE+DEVRIENT EPAYMENTS FRANCE ?

The headquarters of GIESECKE+DEVRIENT EPAYMENTS FRANCE is located in CRAPONNE (69290), in the department Rhone.

Where to find the tax return of GIESECKE+DEVRIENT EPAYMENTS FRANCE ?

The tax return of GIESECKE+DEVRIENT EPAYMENTS FRANCE 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 GIESECKE+DEVRIENT EPAYMENTS FRANCE operate?

GIESECKE+DEVRIENT EPAYMENTS FRANCE operates in the sector Traitement de données, hébergement et activités connexes (NAF code 63.11Z). See the 'Sector positioning' section above to compare the company with its competitors.