SIREN : 904623527
GROUPE CERTISURE is a French company founded 4 years ago, specialized in the sector Gestion de fonds. Based in PEZENAS (34120), this company of category PME shows in 2024 a revenue of 158 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 |
|---|---|---|---|
| Revenue | 158 385 € | 183 209 € | 146 958 € |
| Net income | -2 704 € | -9 790 € | -24 550 € |
| EBITDA | 46 087 € | 51 680 € | 1 908 € |
| Net margin | -1.7% | -5.3% | -16.7% |
In 2024, GROUPE CERTISURE achieves revenue of 158 k€. Revenue is growing positively over 3 years (CAGR: +3.8%). Significant drop of -14% vs 2023. After deducting consumption (0 €), gross margin stands at 158 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 46 k€, representing 29.1% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Net income is negative at -3 k€ (-1.7% of revenue), which will impact equity.
158 385 €
158 385 €
46 087 €
8 895 €
-2 704 €
29.1%
The debt ratio (= Financial debt / Equity x 100) stands at 1391%. 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 6%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 31.7 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 11.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
1391.253%
6.14%
11.888%
31.737
86.5%
In 2024, the debt ratio of GROUPE CERTISURE (1391.25) 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 GROUPE CERTISURE (6.1%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of GROUPE CERTISURE (31.74) 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 539.37. 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 31.1x. Operating income very largely covers interest expenses: high safety margin.
539.367
31.122
In 2024, the liquidity ratio of GROUPE CERTISURE (539.37) 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 GROUPE CERTISURE (31.1x) 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: 292 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 10 days. The gap of 282 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 611 days of revenue, i.e. 269 k€ to permanently finance.
268 868 €
292 j
10 j
0 j
611 j
Based on 62 transactions of similar company sales
in 2024,
the value of GROUPE CERTISURE is estimated at
156 276 €
(range 52 336€ - 361 445€).
With an EBITDA of 46 087€, the sector multiple of 4.8x 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.
Medium reliability: estimate to be confirmed with in-depth analysis.
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This estimate is based on the analysis of 62 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 GROUPE CERTISURE with other companies in the same sector:
The revenue of GROUPE CERTISURE in 2024 is 158 k€.
GROUPE CERTISURE recorded a net loss in 2024.
The headquarters of GROUPE CERTISURE is located in PEZENAS (34120), in the department Herault.
The tax return of GROUPE CERTISURE 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).
GROUPE CERTISURE operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.