UNION BANCAIRE GESTION INSTIT (FRANCE) : revenue, balance sheet and financial ratios

UNION BANCAIRE GESTION INSTIT (FRANCE) is a French company founded 27 years ago, specialized in the sector Fonds de placement et entités financières similaires. Based in PARIS (75116), this company of category PME shows in 2021 a revenue of 18.0 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 - UNION BANCAIRE GESTION INSTIT (FRANCE) (SIREN 419912712)
Indicator 2024 2023 2021 2020 2019 2018 2017 2016
Revenue N/C N/C 17 958 231 € 15 362 932 € 20 516 268 € 29 538 161 € 34 483 339 € 48 207 092 €
Net income -2 062 619 € -330 662 € 2 340 069 € -355 952 € 1 315 507 € 7 219 527 € 9 376 824 € 11 311 149 €
EBITDA N/C N/C 2 427 617 € 104 863 € 311 908 € 4 659 922 € 9 813 164 € 10 650 886 €
Net margin N/C N/C 13.0% -2.3% 6.4% 24.4% 27.2% 23.5%

Revenue and income statement

In 2024, UNION BANCAIRE GESTION INSTIT (FRANCE) records a net loss of 2.1 M€. This deficit will reduce equity on the balance sheet.

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

-2 062 619 €

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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 46%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

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

0.0%

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

45.921%

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

14.4%

Solvency indicators evolution
UNION BANCAIRE GESTION INSTIT (FRANCE)

Sector positioning

Debt ratio
0.0 2024
2021
2023
2024
Q1: 0.01
Med: 13.69
Q3: 116.56
Excellent

In 2024, the debt ratio of UNION BANCAIRE GESTION IN... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
45.92% 2024
2021
2023
2024
Q1: 13.95%
Med: 55.8%
Q3: 90.35%
Average

In 2024, the financial autonomy of UNION BANCAIRE GESTION IN... (45.9%) 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 2021
2021
Q1: -0.03 years
Med: 0.01 years
Q3: 3.84 years
Good

In 2021, the repayment capacity of UNION BANCAIRE GESTION IN... (0.00) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 175.62. 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

175.625

Liquidity indicators evolution
UNION BANCAIRE GESTION INSTIT (FRANCE)

Sector positioning

Liquidity ratio
175.62 2024
2021
2023
2024
Q1: 132.35
Med: 897.73
Q3: 5412.13
Average -8 pts over 3 years

In 2024, the liquidity ratio of UNION BANCAIRE GESTION IN... (175.62) 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
0.32x 2021
2021
Q1: -54.03x
Med: 0.0x
Q3: 0.0x
Excellent

In 2021, the interest coverage of UNION BANCAIRE GESTION IN... (0.3x) 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.

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

0 €

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

0 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

0 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 and payment terms evolution
UNION BANCAIRE GESTION INSTIT (FRANCE)

Positioning of UNION BANCAIRE GESTION INSTIT (FRANCE) in its sector

Comparison with sector Fonds de placement et entités financières similaires

Similar companies (Fonds de placement et entités financières similaires)

Compare UNION BANCAIRE GESTION INSTIT (FRANCE) with other companies in the same sector:

Voir toutes les statistiques du secteur Fonds de placement et entités financières similaires

Frequently asked questions about UNION BANCAIRE GESTION INSTIT (FRANCE)

What is the revenue of UNION BANCAIRE GESTION INSTIT (FRANCE) ?

The revenue of UNION BANCAIRE GESTION INSTIT (FRANCE) in 2021 is 18.0 M€.

Is UNION BANCAIRE GESTION INSTIT (FRANCE) profitable?

UNION BANCAIRE GESTION INSTIT (FRANCE) recorded a net loss in 2024.

Where is the headquarters of UNION BANCAIRE GESTION INSTIT (FRANCE) ?

The headquarters of UNION BANCAIRE GESTION INSTIT (FRANCE) is located in PARIS (75116), in the department Paris.

Where to find the tax return of UNION BANCAIRE GESTION INSTIT (FRANCE) ?

The tax return of UNION BANCAIRE GESTION INSTIT (FRANCE) 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 UNION BANCAIRE GESTION INSTIT (FRANCE) operate?

UNION BANCAIRE GESTION INSTIT (FRANCE) operates in the sector Fonds de placement et entités financières similaires (NAF code 64.30Z). See the 'Sector positioning' section above to compare the company with its competitors.