SARL FINANCIERE GERARD : revenue, balance sheet and financial ratios

SARL FINANCIERE GERARD is a French company founded 19 years ago, specialized in the sector Services administratifs combinés de bureau. Based in SCHALBACH (57370), this company of category PME shows in 2023 a revenue of 83 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

Financial history - SARL FINANCIERE GERARD (SIREN 494181589)
Indicator 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 82 667 € 78 438 € 76 045 € 51 177 € 70 501 € 75 539 € 72 144 € 95 453 €
Net income 31 033 € 58 663 € 232 003 € 18 327 € 6 997 € 42 558 € 23 123 € 29 529 €
EBITDA 4 904 € -1 587 € -6 379 € -8 549 € -1 030 € 4 430 € 1 385 € 14 113 €
Net margin 37.5% 74.8% 305.1% 35.8% 9.9% 56.3% 32.1% 30.9%

Revenue and income statement

In 2023, SARL FINANCIERE GERARD achieves revenue of 83 k€. Activity remains stable over the period (CAGR: -2.0%). Vs 2022: +5%. After deducting consumption (0 €), gross margin stands at 83 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 5 k€, representing 5.9% of revenue. Positive scissor effect: EBITDA margin improves by +8.0 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 31 k€, i.e. 37.5% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

82 667 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

82 667 €

EBITDA (2023) ?
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

4 904 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

4 910 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

31 033 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

5.9%

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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 16%. 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 84%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 3.3 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 37.5% 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 (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

15.939%

Financial autonomy (2023) ?
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

83.792%

Cash flow / Revenue (2023) ?
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

37.525%

Repayment capacity (2023) ?
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

3.339

Solvency indicators evolution
SARL FINANCIERE GERARD

Sector positioning

Debt ratio
15.94 2023
2021
2022
2023
Q1: 0.0
Med: 13.93
Q3: 108.64
Average +18 pts over 3 years

In 2023, the debt ratio of SARL FINANCIERE GERARD (15.94) 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
83.79% 2023
2021
2022
2023
Q1: 6.13%
Med: 40.08%
Q3: 78.78%
Excellent

In 2023, the financial autonomy of SARL FINANCIERE GERARD (83.8%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
3.34 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.01 years
Q3: 2.98 years
Average +24 pts over 3 years

In 2023, the repayment capacity of SARL FINANCIERE GERARD (3.34) 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 1081.04. 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 49.4x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2023) ?
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

1081.038

Interest coverage (2023) ?
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

49.409

Liquidity indicators evolution
SARL FINANCIERE GERARD

Sector positioning

Liquidity ratio
1081.04 2023
2021
2022
2023
Q1: 104.45
Med: 301.0
Q3: 1404.82
Good +11 pts over 3 years

In 2023, the liquidity ratio of SARL FINANCIERE GERARD (1081.04) 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
49.41x 2023
2021
2022
2023
Q1: -20.16x
Med: 0.0x
Q3: 0.09x
Excellent +45 pts over 3 years

In 2023, the interest coverage of SARL FINANCIERE GERARD (49.4x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 126 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 240 days. Excellent situation: suppliers finance 114 days of the operating cycle (retail model). Overall, WCR represents 700 days of revenue, i.e. 161 k€ to permanently finance. Over 2016-2023, WCR increased by +168%, requiring additional financing.

Operating WCR (2023) ?
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

160 842 €

Customer credit (2023) ?
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

126 j

Supplier credit (2023) ?
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

240 j

Inventory turnover (2023) ?
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 (2023) ?
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

700 j

WCR and payment terms evolution
SARL FINANCIERE GERARD

Positioning of SARL FINANCIERE GERARD in its sector

Comparison with sector Services administratifs combinés de bureau

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (27 transactions). This range of 11 775€ to 97 265€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2023
Indicative
11k€ 44k€ 97k€
44 910 € Range: 11 775€ - 97 265€
NAF 5 année 2023

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 27 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 (Services administratifs combinés de bureau)

Compare SARL FINANCIERE GERARD with other companies in the same sector:

Voir toutes les statistiques du secteur Services administratifs combinés de bureau

Frequently asked questions about SARL FINANCIERE GERARD

What is the revenue of SARL FINANCIERE GERARD ?

The revenue of SARL FINANCIERE GERARD in 2023 is 83 k€.

Is SARL FINANCIERE GERARD profitable?

Yes, SARL FINANCIERE GERARD generated a net profit of 31 k€ in 2023.

Where is the headquarters of SARL FINANCIERE GERARD ?

The headquarters of SARL FINANCIERE GERARD is located in SCHALBACH (57370), in the department Moselle.

Where to find the tax return of SARL FINANCIERE GERARD ?

The tax return of SARL FINANCIERE 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).

In which sector does SARL FINANCIERE GERARD operate?

SARL FINANCIERE GERARD operates in the sector Services administratifs combinés de bureau (NAF code 82.11Z). See the 'Sector positioning' section above to compare the company with its competitors.