SIREN : 438160327
PHOTO GERARD is a French company founded 25 years ago, specialized in the sector Activités photographiques. Based in CAMBO-LES-BAINS (64250), this company of category PME shows in 2022 a revenue of 37 k€. 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
| Indicator | 2022 | 2021 | 2020 |
|---|---|---|---|
| Revenue | 36 661 € | 37 245 € | 58 080 € |
| Net income | -43 € | -32 € | -58 € |
| EBITDA | 939 € | 3 795 € | 6 631 € |
| Net margin | -0.1% | -0.1% | -0.1% |
In 2022, PHOTO GERARD achieves revenue of 37 k€. Revenue is declining over the period 2020-2022 (CAGR: -20.6%). Slight decline of -2% vs 2021. After deducting consumption (3 k€), gross margin stands at 34 k€, i.e. a rate of 92%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 939 €, representing 2.6% of revenue. Warning negative scissor effect: despite revenue change (-2%), EBITDA varies by -75%, reducing margin by 7.6 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -43 € (-0.1% of revenue), which will impact equity.
36 661 €
33 809 €
939 €
566 €
-43 €
2.6%
The debt ratio (= Financial debt / Equity x 100) stands at 455%. 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 21%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 107.0 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 0.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
455.124%
21.496%
0.9%
106.982
55.1%
In 2022, the debt ratio of PHOTO GERARD (455.12) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2022, the financial autonomy of PHOTO GERARD (21.5%) 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 2022, the repayment capacity of PHOTO GERARD (106.98) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 25.72. 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 64.9x. Operating income very largely covers interest expenses: high safety margin.
25.723
64.856
In 2022, the liquidity ratio of PHOTO GERARD (25.72) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.
In 2022, the interest coverage of PHOTO GERARD (64.9x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 160 days. Excellent situation: suppliers finance 160 days of the operating cycle (retail model). Inventory turnover is 236 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. WCR is negative (-954 days): operations structurally generate cash.
-97 175 €
0 j
160 j
236 j
-954 j
Indicative estimate only : the number of comparable transactions in this sector is limited (31 transactions). This range of 4 223€ to 10 960€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 31 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 PHOTO GERARD with other companies in the same sector:
Voir toutes les statistiques du secteur Activités photographiques
The revenue of PHOTO GERARD in 2022 is 37 k€.
PHOTO GERARD recorded a net loss in 2022.
The headquarters of PHOTO GERARD is located in CAMBO-LES-BAINS (64250), in the department Pyrenees-Atlantiques.
The tax return of PHOTO GERARD 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).
PHOTO GERARD operates in the sector Activités photographiques (NAF code 74.20Z). See the 'Sector positioning' section above to compare the company with its competitors.