SIREN : 494789613
GL FINANCIERE is a French company founded 19 years ago, specialized in the sector Activités des sociétés holding. Based in PONT-SAINTE-MARIE (10150), this company of category PME shows in 2022 a revenue of 156 k€. 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 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 156 000 € | 156 000 € | 156 000 € | 156 000 € | 156 000 € | 156 000 € | 156 000 € |
| Net income | 44 451 € | 142 796 € | 90 139 € | 35 601 € | 125 116 € | 115 694 € | 132 004 € |
| EBITDA | 43 180 € | 62 508 € | 43 851 € | -5 390 € | -23 847 € | -36 332 € | 5 559 € |
| Net margin | 28.5% | 91.5% | 57.8% | 22.8% | 80.2% | 74.2% | 84.6% |
In 2022, GL FINANCIERE achieves revenue of 156 k€. Activity remains stable over the period (CAGR: 0.0%). Slight decline of 0% vs 2021. After deducting consumption (0 €), gross margin stands at 156 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 43 k€, representing 27.7% of revenue. Warning negative scissor effect: despite revenue change (+0%), EBITDA varies by -31%, reducing margin by 12.4 pts. This reflects costs rising faster than 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 44 k€, i.e. 28.5% of revenue. This profit can be retained or distributed to shareholders.
156 000 €
156 000 €
43 180 €
43 180 €
44 451 €
27.7%
The debt ratio (= Financial debt / Equity x 100) stands at 9%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. Financial autonomy (= Equity / Total assets x 100) reaches 91%. 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 1.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 28.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
9.341%
90.916%
28.494%
1.344
In 2022, the debt ratio of GL FINANCIERE (9.34) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2022, the financial autonomy of GL FINANCIERE (90.9%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2022, the repayment capacity of GL FINANCIERE (1.34) 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 7265.05. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
7265.048
0.0
In 2022, the liquidity ratio of GL FINANCIERE (7265.05) 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 2022, the interest coverage of GL FINANCIERE (0.0x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 30 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 112 days. Excellent situation: suppliers finance 82 days of the operating cycle (retail model). Overall, WCR represents 200 days of revenue, i.e. 87 k€ to permanently finance. Over 2016-2022, WCR increased by +404%, requiring additional financing.
86 553 €
30 j
112 j
0 j
200 j
Based on 70 transactions of similar company sales
in 2022,
the value of GL FINANCIERE is estimated at
116 480 €
(range 50 686€ - 291 549€).
With an EBITDA of 43 180€, the sector multiple of 2.4x is applied.
The price/revenue ratio is 0.67x
(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 70 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 GL FINANCIERE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of GL FINANCIERE in 2022 is 156 k€.
Yes, GL FINANCIERE generated a net profit of 44 k€ in 2022.
The headquarters of GL FINANCIERE is located in PONT-SAINTE-MARIE (10150), in the department Aube.
The tax return of GL 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).
GL FINANCIERE 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.