SIREN : 517793956
GM FINANCES is a French company founded 16 years ago, specialized in the sector Activités des sociétés holding. Based in ANTIBES (06160), this company of category PME shows in 2024 a revenue of 844 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 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 843 629 € | 1 123 664 € | 1 333 451 € | 1 249 044 € | 1 226 326 € | 1 268 751 € | 1 229 102 € | 1 050 757 € | 1 036 410 € |
| Net income | 1 903 496 € | 2 466 996 € | 2 662 336 € | 1 962 100 € | 1 975 517 € | 1 674 204 € | 1 910 513 € | 1 873 466 € | 1 815 549 € |
| EBITDA | 124 122 € | 119 906 € | 146 932 € | 152 469 € | 1 430 € | -253 340 € | 135 666 € | 61 122 € | 129 561 € |
| Net margin | 225.6% | 219.5% | 199.7% | 157.1% | 161.1% | 132.0% | 155.4% | 178.3% | 175.2% |
In 2024, GM FINANCES achieves revenue of 844 k€. Activity remains stable over the period (CAGR: -2.5%). Significant drop of -25% vs 2023. After deducting consumption (0 €), gross margin stands at 844 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 124 k€, representing 14.7% of revenue. Positive scissor effect: EBITDA margin improves by +4.0 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 1.9 M€, i.e. 225.6% of revenue. This profit can be retained or distributed to shareholders.
843 629 €
843 629 €
124 122 €
76 639 €
1 903 496 €
14.7%
The debt ratio (= Financial debt / Equity x 100) stands at 13%. 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 86%. 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 1.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 231.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
13.036%
85.844%
231.338%
1.514
21.8%
In 2024, the debt ratio of GM FINANCES (13.04) 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 GM FINANCES (85.8%) 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 GM FINANCES (1.51) 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 1688.57. 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 92.9x. Operating income very largely covers interest expenses: high safety margin.
1688.572
92.927
In 2024, the liquidity ratio of GM FINANCES (1688.57) 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 GM FINANCES (92.9x) 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: 161 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 27 days. The gap of 134 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 2844 days of revenue, i.e. 6.7 M€ to permanently finance. Over 2016-2024, WCR increased by +921%, requiring additional financing.
6 665 842 €
161 j
27 j
0 j
2844 j
Based on 54 transactions of similar company sales
in 2024,
the value of GM FINANCES is estimated at
1 004 935 €
(range 497 990€ - 3 537 574€).
With an EBITDA of 124 122€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.59x
(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 54 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 GM FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of GM FINANCES in 2024 is 844 k€.
Yes, GM FINANCES generated a net profit of 1.9 M€ in 2024.
The headquarters of GM FINANCES is located in ANTIBES (06160), in the department Alpes-Maritimes.
The tax return of GM FINANCES 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).
GM FINANCES 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.