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SOCIETE FINANCIERE HOLDING DU GROUPE GIBOIRE : revenue, balance sheet and financial ratios

SOCIETE FINANCIERE HOLDING DU GROUPE GIBOIRE is a French company founded 34 years ago, specialized in the sector Supports juridiques de gestion de patrimoine mobilier. Based in RENNES (35000), this company of category ETI shows in 2017 a revenue of 2.7 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 - SOCIETE FINANCIERE HOLDING DU GROUPE GIBOIRE (SIREN 384454898)
Indicator 2017
Revenue 2 686 365 €
Net income 1 606 287 €
EBITDA 104 702 €
Net margin 59.8%

Revenue and income statement

In 2017, SOCIETE FINANCIERE HOLDING DU GROUPE GIBOIRE achieves revenue of 2.7 M€. After deducting consumption (0 €), gross margin stands at 2.7 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 105 k€, representing 3.9% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 1.6 M€, i.e. 59.8% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2017) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

2 686 365 €

Gross margin (2017) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

2 686 365 €

EBITDA (2017) ?
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

104 702 €

EBIT (2017) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

132 451 €

Net income (2017) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

1 606 287 €

EBITDA margin (2017) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

3.9%

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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 4%. 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 92%. 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 0.4 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 54.2% 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 (2017) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

4.13%

Financial autonomy (2017) ?
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

92.005%

Cash flow / Revenue (2017) ?
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

54.189%

Repayment capacity (2017) ?
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

0.381

Asset age ratio (2017) ?
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

26.7%

Solvency indicators evolution
SOCIETE FINANCIERE HOLDING DU GROUPE GIBOIRE

Sector positioning

Debt ratio
4.13 2017
2017
Q1: 0.0
Med: 5.58
Q3: 62.26
Good

In 2017, the debt ratio of SOCIETE FINANCIERE HOLDIN... (4.13) 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
92.0% 2017
2017
Q1: 6.08%
Med: 49.88%
Q3: 85.53%
Excellent

In 2017, the financial autonomy of SOCIETE FINANCIERE HOLDIN... (92.0%) 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
0.38 years 2017
2017
Q1: 0.0 years
Med: 0.02 years
Q3: 3.87 years
Average

In 2017, the repayment capacity of SOCIETE FINANCIERE HOLDIN... (0.38) 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 82.17. 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 53.2x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2017) ?
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

82.167

Interest coverage (2017) ?
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

53.179

Liquidity indicators evolution
SOCIETE FINANCIERE HOLDING DU GROUPE GIBOIRE

Sector positioning

Liquidity ratio
82.17 2017
2017
Q1: 115.94
Med: 483.84
Q3: 2145.87
Watch

In 2017, the liquidity ratio of SOCIETE FINANCIERE HOLDIN... (82.17) 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.

Interest coverage
53.18x 2017
2017
Q1: -0.1x
Med: 0.0x
Q3: 1.79x
Excellent

In 2017, the interest coverage of SOCIETE FINANCIERE HOLDIN... (53.2x) 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: 12 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 78 days. Excellent situation: suppliers finance 66 days of the operating cycle (retail model). WCR is negative (-12 days): operations structurally generate cash.

Operating WCR (2017) ?
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

-86 044 €

Customer credit (2017) ?
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

12 j

Supplier credit (2017) ?
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

78 j

Inventory turnover (2017) ?
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 (2017) ?
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

-12 j

WCR and payment terms evolution
SOCIETE FINANCIERE HOLDING DU GROUPE GIBOIRE

Positioning of SOCIETE FINANCIERE HOLDING DU GROUPE GIBOIRE in its sector

Comparison with sector Supports juridiques de gestion de patrimoine mobilier

Valuation estimate

Based on 103 transactions of similar company sales (all years), the value of SOCIETE FINANCIERE HOLDING DU GROUPE GIBOIRE is estimated at 1 454 215 € (range 583 966€ - 3 706 033€). With an EBITDA of 104 702€, the sector multiple of 2.5x 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.

Estimated enterprise value 2017
103 transactions
583k€ 1454k€ 3706k€
1 454 215 € Range: 583 966€ - 3 706 033€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
104 702 € × 2.5x
Estimation 266 805 €
118 810€ - 524 612€
Revenue Multiple 30%
2 686 365 € × 0.30x
Estimation 819 312 €
435 860€ - 2 267 011€
Net Income Multiple 20%
1 606 287 € × 3.3x
Estimation 5 375 097 €
1 969 018€ - 13 818 122€
How is this estimate calculated?

This estimate is based on the analysis of 103 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 (Supports juridiques de gestion de patrimoine mobilier)

Compare SOCIETE FINANCIERE HOLDING DU GROUPE GIBOIRE with other companies in the same sector:

Voir toutes les statistiques du secteur Supports juridiques de gestion de patrimoine mobilier

Frequently asked questions about SOCIETE FINANCIERE HOLDING DU GROUPE GIBOIRE

What is the revenue of SOCIETE FINANCIERE HOLDING DU GROUPE GIBOIRE ?

The revenue of SOCIETE FINANCIERE HOLDING DU GROUPE GIBOIRE in 2017 is 2.7 M€.

Is SOCIETE FINANCIERE HOLDING DU GROUPE GIBOIRE profitable?

Yes, SOCIETE FINANCIERE HOLDING DU GROUPE GIBOIRE generated a net profit of 1.6 M€ in 2017.

Where is the headquarters of SOCIETE FINANCIERE HOLDING DU GROUPE GIBOIRE ?

The headquarters of SOCIETE FINANCIERE HOLDING DU GROUPE GIBOIRE is located in RENNES (35000), in the department Ille-et-Vilaine.

Where to find the tax return of SOCIETE FINANCIERE HOLDING DU GROUPE GIBOIRE ?

The tax return of SOCIETE FINANCIERE HOLDING DU GROUPE GIBOIRE 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 SOCIETE FINANCIERE HOLDING DU GROUPE GIBOIRE operate?

SOCIETE FINANCIERE HOLDING DU GROUPE GIBOIRE operates in the sector Supports juridiques de gestion de patrimoine mobilier (NAF code 66.19A). See the 'Sector positioning' section above to compare the company with its competitors.