SIREN : 452458797
GNB FINANCES is a French company founded 22 years ago, specialized in the sector Activités des sociétés holding. Based in MEYZIEU (69330), this company of category PME shows in 2022 a revenue of 393 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 |
|---|---|---|---|---|---|---|
| Revenue | 392 806 € | 366 907 € | 421 279 € | 396 111 € | 361 795 € | 363 796 € |
| Net income | 225 358 € | 261 419 € | 62 467 € | 238 705 € | -365 482 € | 7 939 € |
| EBITDA | -23 723 € | -22 325 € | 52 390 € | 115 503 € | 122 269 € | 131 409 € |
| Net margin | 57.4% | 71.2% | 14.8% | 60.3% | -101.0% | 2.2% |
In 2022, GNB FINANCES achieves revenue of 393 k€. Revenue is growing positively over 6 years (CAGR: +1.5%). Vs 2021: +7%. After deducting consumption (0 €), gross margin stands at 393 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 -24 k€, representing -6.0% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 225 k€, i.e. 57.4% of revenue. This profit can be retained or distributed to shareholders.
392 806 €
392 806 €
-23 723 €
-26 809 €
225 358 €
-6.0%
The debt ratio (= Financial debt / Equity x 100) stands at 21%. 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 76%. 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 1.9 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 53.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
21.38%
76.142%
52.987%
1.917
48.4%
In 2022, the debt ratio of GNB FINANCES (21.38) 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 2022, the financial autonomy of GNB FINANCES (76.1%) 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 2022, the repayment capacity of GNB FINANCES (1.92) 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 586.52. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
586.519
-26.312
In 2022, the liquidity ratio of GNB FINANCES (586.52) 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 2022, the interest coverage of GNB FINANCES (-26.3x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 169 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 40 days. The gap of 129 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 815 days of revenue, i.e. 889 k€ to permanently finance. Notable WCR improvement over the period (-29%), freeing up cash.
888 987 €
169 j
40 j
0 j
815 j
Based on 70 transactions of similar company sales
in 2022,
the value of GNB FINANCES is estimated at
491 820 €
(range 172 704€ - 935 611€).
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 GNB FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of GNB FINANCES in 2022 is 393 k€.
Yes, GNB FINANCES generated a net profit of 225 k€ in 2022.
The headquarters of GNB FINANCES is located in MEYZIEU (69330), in the department Rhone.
The tax return of GNB 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).
GNB 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.