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GOLDMAN SACHS BANK EUROPE SE : revenue, balance sheet and financial ratios

GOLDMAN SACHS BANK EUROPE SE is a French company founded 6 years ago, specialized in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.. this company of category ETI shows in 2022 a revenue of 1.5 Mds€. 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 - GOLDMAN SACHS BANK EUROPE SE (SIREN 852790229)
Indicator 2022
Revenue 1 486 000 000 €
Net income 346 000 000 €
EBITDA 906 000 000 €
Net margin 23.3%

Revenue and income statement

In 2022, GOLDMAN SACHS BANK EUROPE SE achieves revenue of 1.5 Bn€. After deducting consumption (0 €), gross margin stands at 1.5 Bn€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 906.0 M€, representing 61.0% 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 346.0 M€, i.e. 23.3% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

1 486 000 000 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

1 486 000 000 €

EBITDA (2022) ?
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

906 000 000 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

588 000 000 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

346 000 000 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

61.0%

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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 644%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 13%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 146.1 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 26.2% 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 (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

643.945%

Financial autonomy (2022) ?
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

13.237%

Cash flow / Revenue (2022) ?
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

26.178%

Repayment capacity (2022) ?
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

146.121

Solvency indicators evolution
GOLDMAN SACHS BANK EUROPE SE

Sector positioning

Debt ratio
643.95 2022
2022
Q1: 0.0
Med: 7.69
Q3: 79.46
Average

In 2022, the debt ratio of GOLDMAN SACHS BANK EUROPE SE (643.95) 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
13.24% 2022
2022
Q1: 9.79%
Med: 43.97%
Q3: 76.41%
Average

In 2022, the financial autonomy of GOLDMAN SACHS BANK EUROPE SE (13.2%) 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
146.12 years 2022
2022
Q1: 0.0 years
Med: 0.0 years
Q3: 1.59 years
Watch

In 2022, the repayment capacity of GOLDMAN SACHS BANK EUROPE SE (146.12) 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.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. WCR is negative (-246 days): operations structurally generate cash.

Operating WCR (2022) ?
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

-1 017 003 540 €

Customer credit (2022) ?
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

0 j

Supplier credit (2022) ?
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

0 j

Inventory turnover (2022) ?
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 (2022) ?
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

-246 j

WCR and payment terms evolution
GOLDMAN SACHS BANK EUROPE SE

Positioning of GOLDMAN SACHS BANK EUROPE SE in its sector

Comparison with sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Valuation estimate

Based on 103 transactions of similar company sales (all years), the value of GOLDMAN SACHS BANK EUROPE SE is estimated at 1 521 877 387 € (range 671 197 717€ - 3 241 269 665€). With an EBITDA of 906 000 000€, the sector multiple of 2.5x is applied. The price/revenue ratio is 0.30x (conservative valuation). 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.

Estimated enterprise value 2022
103 transactions
671197k€ 1521877k€ 3241269k€
1 521 877 387 € Range: 671 197 717€ - 3 241 269 665€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
906 000 000 € × 2.5x
Estimation 2 308 700 400 €
1 028 080 940€ - 4 539 533 019€
Revenue Multiple 30%
1 486 000 000 € × 0.30x
Estimation 453 213 778 €
241 101 829€ - 1 254 028 381€
Net Income Multiple 20%
346 000 000 € × 3.3x
Estimation 1 157 815 269 €
424 133 496€ - 2 976 473 205€
How is this estimate calculated?

This estimate is based on the analysis of 103 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 (Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.)

Compare GOLDMAN SACHS BANK EUROPE SE with other companies in the same sector:

Voir toutes les statistiques du secteur Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Frequently asked questions about GOLDMAN SACHS BANK EUROPE SE

What is the revenue of GOLDMAN SACHS BANK EUROPE SE ?

The revenue of GOLDMAN SACHS BANK EUROPE SE in 2022 is 1.5 Mds€.

Is GOLDMAN SACHS BANK EUROPE SE profitable?

Yes, GOLDMAN SACHS BANK EUROPE SE generated a net profit of 346.0 M€ in 2022.

Where is the headquarters of GOLDMAN SACHS BANK EUROPE SE ?

The headquarters of GOLDMAN SACHS BANK EUROPE SE is located in address not disclosed.

Where to find the tax return of GOLDMAN SACHS BANK EUROPE SE ?

The tax return of GOLDMAN SACHS BANK EUROPE SE 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 GOLDMAN SACHS BANK EUROPE SE operate?

GOLDMAN SACHS BANK EUROPE SE operates in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a. (NAF code 66.19B). See the 'Sector positioning' section above to compare the company with its competitors.