POINT EXPERT GESTION : revenue, balance sheet and financial ratios

POINT EXPERT GESTION is a French company founded 30 years ago, specialized in the sector Conseil en systèmes et logiciels informatiques. Based in MARSEILLE (13009), this company of category PME shows in 2025 a revenue of 4.2 M€. 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

Financial history - POINT EXPERT GESTION (SIREN 404106015)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 4 201 546 € 3 812 073 € 3 650 159 € 3 262 244 € 2 793 026 € 2 481 095 € 2 689 337 € 2 765 287 € 2 857 706 € 2 818 294 €
Net income 181 542 € 216 591 € 190 029 € 43 131 € 132 666 € 113 088 € 10 547 € 66 867 € 173 556 € 175 203 €
EBITDA 209 979 € 251 568 € 175 897 € 35 383 € 131 871 € 120 812 € -3 358 € 81 867 € 212 984 € 208 657 €
Net margin 4.3% 5.7% 5.2% 1.3% 4.7% 4.6% 0.4% 2.4% 6.1% 6.2%

Revenue and income statement

In 2025, POINT EXPERT GESTION achieves revenue of 4.2 M€. Revenue is growing positively over 10 years (CAGR: +4.5%). Vs 2024, growth of +10% (3.8 M€ -> 4.2 M€). After deducting consumption (180 k€), gross margin stands at 4.0 M€, i.e. a rate of 96%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 210 k€, representing 5.0% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 182 k€, i.e. 4.3% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

4 201 546 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

4 021 075 €

EBITDA (2025) ?
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

209 979 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

233 317 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

181 542 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

5.0%

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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 0%. 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 25%. The balance between equity and debt is satisfactory. Cash flow represents 3.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.049%

Financial autonomy (2025) ?
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

24.844%

Cash flow / Revenue (2025) ?
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

3.784%

Repayment capacity (2025) ?
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

0.0

Asset age ratio (2025) ?
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

21.4%

Solvency indicators evolution
POINT EXPERT GESTION

Sector positioning

Debt ratio
0.05 2025
2023
2024
2025
Q1: 0.0
Med: 4.75
Q3: 28.97
Good -12 pts over 3 years

In 2025, the debt ratio of POINT EXPERT GESTION (0.05) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
24.84% 2025
2023
2024
2025
Q1: 9.04%
Med: 36.0%
Q3: 63.27%
Average

In 2025, the financial autonomy of POINT EXPERT GESTION (24.8%) 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
0.0 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 0.0 years
Q3: 0.43 years
Excellent -31 pts over 3 years

In 2025, the repayment capacity of POINT EXPERT GESTION (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 274.17. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
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

274.172

Interest coverage (2025) ?
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

0.0

Liquidity indicators evolution
POINT EXPERT GESTION

Sector positioning

Liquidity ratio
274.17 2025
2023
2024
2025
Q1: 158.37
Med: 261.69
Q3: 503.25
Good

In 2025, the liquidity ratio of POINT EXPERT GESTION (274.17) 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.

Interest coverage
0.0x 2025
2023
2024
2025
Q1: 0.0x
Med: 0.0x
Q3: 1.07x
Average -30 pts over 3 years

In 2025, the interest coverage of POINT EXPERT GESTION (0.0x) 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: 135 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 61 days. The gap of 74 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 47 days of revenue, i.e. 547 k€ to permanently finance. Over 2016-2025, WCR increased by +42%, requiring additional financing.

Operating WCR (2025) ?
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

547 167 €

Customer credit (2025) ?
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

135 j

Supplier credit (2025) ?
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

61 j

Inventory turnover (2025) ?
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 (2025) ?
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

47 j

WCR and payment terms evolution
POINT EXPERT GESTION

Positioning of POINT EXPERT GESTION in its sector

Comparison with sector Conseil en systèmes et logiciels informatiques

Valuation estimate

Based on 215 transactions of similar company sales (all years), the value of POINT EXPERT GESTION is estimated at 358 423 € (range 170 400€ - 979 955€). With an EBITDA of 209 979€, the sector multiple of 1.0x is applied. The price/revenue ratio is 0.16x (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 2025
215 transactions
170k€ 358k€ 979k€
358 423 € Range: 170 400€ - 979 955€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
209 979 € × 1.0x
Estimation 205 076 €
77 458€ - 906 282€
Revenue Multiple 30%
4 201 546 € × 0.16x
Estimation 674 405 €
361 751€ - 1 231 906€
Net Income Multiple 20%
181 542 € × 1.5x
Estimation 267 820 €
115 731€ - 786 216€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 215 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 (Conseil en systèmes et logiciels informatiques)

Compare POINT EXPERT GESTION with other companies in the same sector:

Voir toutes les statistiques du secteur Conseil en systèmes et logiciels informatiques

Frequently asked questions about POINT EXPERT GESTION

What is the revenue of POINT EXPERT GESTION ?

The revenue of POINT EXPERT GESTION in 2025 is 4.2 M€.

Is POINT EXPERT GESTION profitable?

Yes, POINT EXPERT GESTION generated a net profit of 182 k€ in 2025.

Where is the headquarters of POINT EXPERT GESTION ?

The headquarters of POINT EXPERT GESTION is located in MARSEILLE (13009), in the department Bouches-du-Rhone.

Where to find the tax return of POINT EXPERT GESTION ?

The tax return of POINT EXPERT GESTION 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 POINT EXPERT GESTION operate?

POINT EXPERT GESTION operates in the sector Conseil en systèmes et logiciels informatiques (NAF code 62.02A). See the 'Sector positioning' section above to compare the company with its competitors.