GROUPE KERTRUCKS FINANCE : revenue, balance sheet and financial ratios

GROUPE KERTRUCKS FINANCE is a French company founded 20 years ago, specialized in the sector Activités des sociétés holding. Based in CHARTRES-DE-BRETAGNE (35131), this company of category ETI shows in 2024 a revenue of 14.7 M€. 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 - GROUPE KERTRUCKS FINANCE (SIREN 485312441)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 14 712 605 € 7 641 197 € 11 002 232 € 9 856 093 € 8 431 884 € 5 564 711 € 5 311 805 € 4 806 146 € 4 048 725 €
Net income 8 632 687 € 3 089 074 € 3 967 627 € 2 918 672 € 2 996 756 € 3 019 929 € 2 267 841 € 2 045 944 € 1 729 366 €
EBITDA -982 998 € -6 067 699 € -678 113 € -650 046 € -270 301 € -3 124 885 € -324 843 € -448 159 € -174 128 €
Net margin 58.7% 40.4% 36.1% 29.6% 35.5% 54.3% 42.7% 42.6% 42.7%

Revenue and income statement

In 2024, GROUPE KERTRUCKS FINANCE achieves revenue of 14.7 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +17.5%. Vs 2023, growth of +93% (7.6 M€ -> 14.7 M€). After deducting consumption (-17 k€), gross margin stands at 14.7 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -983 k€, representing -6.7% of revenue. Positive scissor effect: EBITDA margin improves by +72.7 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 8.6 M€, i.e. 58.7% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

14 712 605 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

14 729 584 €

EBITDA (2024) ?
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

-982 998 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

182 414 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

8 632 687 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-6.7%

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Chart evolution

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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 55%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 39%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 50.6% 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 (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

54.951%

Financial autonomy (2024) ?
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

38.824%

Cash flow / Revenue (2024) ?
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

50.598%

Repayment capacity (2024) ?
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

1.613

Asset age ratio (2024) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

63.6%

Solvency indicators evolution
GROUPE KERTRUCKS FINANCE

Sector positioning

Debt ratio
54.95 2024
2022
2023
2024
Q1: 0.01
Med: 8.77
Q3: 62.6
Average +17 pts over 3 years

In 2024, the debt ratio of GROUPE KERTRUCKS FINANCE (54.95) 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
38.82% 2024
2022
2023
2024
Q1: 15.71%
Med: 62.26%
Q3: 91.3%
Average -14 pts over 3 years

In 2024, the financial autonomy of GROUPE KERTRUCKS FINANCE (38.8%) 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
1.61 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.09 years
Q3: 3.07 years
Average

In 2024, the repayment capacity of GROUPE KERTRUCKS FINANCE (1.61) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 71.67. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

71.674

Interest coverage (2024) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

-89.854

Liquidity indicators evolution
GROUPE KERTRUCKS FINANCE

Sector positioning

Liquidity ratio
71.67 2024
2022
2023
2024
Q1: 138.65
Med: 681.09
Q3: 3914.52
Average

In 2024, the liquidity ratio of GROUPE KERTRUCKS FINANCE (71.67) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
-89.85x 2024
2022
2023
2024
Q1: -74.77x
Med: 0.0x
Q3: 0.0x
Average

In 2024, the interest coverage of GROUPE KERTRUCKS FINANCE (-89.8x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 8 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 11 days. Favorable situation: supplier credit is longer than customer credit by 3 days. WCR is negative (-144 days): operations structurally generate cash. Notable WCR improvement over the period (-569%), freeing up cash.

Operating WCR (2024) ?
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

-5 890 044 €

Customer credit (2024) ?
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

8 j

Supplier credit (2024) ?
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

11 j

Inventory turnover (2024) ?
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 (2024) ?
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

-144 j

WCR and payment terms evolution
GROUPE KERTRUCKS FINANCE

Positioning of GROUPE KERTRUCKS FINANCE in its sector

Comparison with sector Activités des sociétés holding

Valuation estimate

Based on 54 transactions of similar company sales in 2024, the value of GROUPE KERTRUCKS FINANCE is estimated at 10 238 776 € (range 6 448 745€ - 31 967 908€). 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.

Estimated enterprise value 2024
54 tx
6448k€ 10238k€ 31967k€
10 238 776 € Range: 6 448 745€ - 31 967 908€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
14 712 605 € × 0.59x
Estimation 8 662 365 €
5 389 087€ - 10 297 919€
Net Income Multiple 20%
8 632 687 € × 1.5x
Estimation 12 603 394 €
8 038 232€ - 64 472 892€

Valuation evolution

How is this estimate calculated?

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.

  • 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 (Activités des sociétés holding)

Compare GROUPE KERTRUCKS FINANCE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sociétés holding

Frequently asked questions about GROUPE KERTRUCKS FINANCE

What is the revenue of GROUPE KERTRUCKS FINANCE ?

The revenue of GROUPE KERTRUCKS FINANCE in 2024 is 14.7 M€.

Is GROUPE KERTRUCKS FINANCE profitable?

Yes, GROUPE KERTRUCKS FINANCE generated a net profit of 8.6 M€ in 2024.

Where is the headquarters of GROUPE KERTRUCKS FINANCE ?

The headquarters of GROUPE KERTRUCKS FINANCE is located in CHARTRES-DE-BRETAGNE (35131), in the department Ille-et-Vilaine.

Where to find the tax return of GROUPE KERTRUCKS FINANCE ?

The tax return of GROUPE KERTRUCKS FINANCE 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 GROUPE KERTRUCKS FINANCE operate?

GROUPE KERTRUCKS FINANCE 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.