SIREN : 452086499
PIERRE FINANCEMENT is a French company founded 22 years ago, specialized in the sector Activités des sociétés holding. Based in CREIL (60100), this company of category PME shows in 2020 a revenue of 63 k€. 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
| Kennzahl | 2020 | 2018 | 2017 | 2016 |
|---|---|---|---|---|
| Umsatz | 63 073 € | 81 903 € | 81 752 € | 81 468 € |
| Nettoergebnis | 25 840 € | 28 932 € | 29 626 € | 24 240 € |
| EBITDA | 49 705 € | 67 857 € | 68 722 € | 63 248 € |
| Nettomarge | 41.0% | 35.3% | 36.2% | 29.8% |
In 2020, PIERRE FINANCEMENT achieves revenue of 63 k€. Revenue is declining over the period 2016-2020 (CAGR: -6.2%). Significant drop of -23% vs 2018. After deducting consumption (0 €), gross margin stands at 63 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 50 k€, representing 78.8% of revenue. Warning negative scissor effect: despite revenue change (-23%), EBITDA varies by -27%, reducing margin by 4.0 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 26 k€, i.e. 41.0% of revenue. This profit can be retained or distributed to shareholders.
63 073 €
63 073 €
49 705 €
16 492 €
25 840 €
78.8%
The debt ratio (= Financial debt / Equity x 100) stands at 786%. 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 9%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 5.1 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 55.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
786.486%
9.091%
55.791%
5.116
22.7%
In 2020, the debt ratio of PIERRE FINANCEMENT (786.49) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2020, the financial autonomy of PIERRE FINANCEMENT (9.1%) 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 2020, the repayment capacity of PIERRE FINANCEMENT (5.12) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 29.09. 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 0.2x. Danger: operating income does not cover interest charges, unsustainable situation.
29.086
0.195
In 2020, the liquidity ratio of PIERRE FINANCEMENT (29.09) 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 2020, the interest coverage of PIERRE FINANCEMENT (0.2x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 36 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 114 days. Excellent situation: suppliers finance 78 days of the operating cycle (retail model). WCR is negative (-206 days): operations structurally generate cash. Over 2016-2020, WCR increased by +92%, requiring additional financing.
-36 012 €
36 j
114 j
0 j
-206 j
Based on 71 transactions of similar company sales
in 2020,
the value of PIERRE FINANCEMENT is estimated at
175 351 €
(range 65 852€ - 365 629€).
With an EBITDA of 49 705€, the sector multiple of 5.0x is applied.
The price/revenue ratio is 0.60x
(in line with sector norms).
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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 71 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 PIERRE FINANCEMENT with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of PIERRE FINANCEMENT in 2020 is 63 k€.
Yes, PIERRE FINANCEMENT generated a net profit of 26 k€ in 2020.
The headquarters of PIERRE FINANCEMENT is located in CREIL (60100), in the department Oise.
The tax return of PIERRE FINANCEMENT 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).
PIERRE FINANCEMENT operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.