SIREN : 096080577
BANQUE POUYANNE is a French company founded 66 years ago, specialized in the sector Autres intermédiations monétaires. Based in ORTHEZ (64300), this company of category PME shows in 2022 a revenue of 6.3 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
| Indicator | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 6 304 149 € | 6 113 793 € | 5 755 112 € | 6 128 194 € | 5 903 332 € | 5 754 900 € | 5 514 192 € |
| Net income | 1 035 745 € | 1 931 720 € | 1 176 228 € | 1 043 691 € | 1 041 786 € | 1 583 044 € | 1 573 784 € |
| EBITDA | -1 527 502 € | -1 235 798 € | -1 232 589 € | -984 997 € | -1 398 911 € | -1 476 672 € | -1 529 224 € |
| Net margin | 16.4% | 31.6% | 20.4% | 17.0% | 17.6% | 27.5% | 28.5% |
In 2022, BANQUE POUYANNE achieves revenue of 6.3 M€. Revenue is growing positively over 7 years (CAGR: +2.3%). Vs 2021: +3%. After deducting consumption (0 €), gross margin stands at 6.3 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 -1.5 M€, representing -24.2% of revenue. Warning negative scissor effect: despite revenue change (+3%), EBITDA varies by -24%, reducing margin by 4.0 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 1.0 M€, i.e. 16.4% of revenue. This profit can be retained or distributed to shareholders.
6 304 149 €
6 304 149 €
-1 527 502 €
-2 620 743 €
1 035 745 €
-24.2%
The debt ratio (= Financial debt / Equity x 100) stands at 1114%. 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 8%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 229.3 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 28.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
1113.518%
8.173%
28.314%
229.314
26.7%
In 2022, the debt ratio of BANQUE POUYANNE (1113.52) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2022, the financial autonomy of BANQUE POUYANNE (8.2%) 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 2022, the repayment capacity of BANQUE POUYANNE (229.31) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.
The liquidity ratio (= Current assets / Current liabilities) stands at 27379.32. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
27379.316
-100.925
In 2022, the liquidity ratio of BANQUE POUYANNE (27379.32) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2022, the interest coverage of BANQUE POUYANNE (-100.9x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 13611 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 36 days. The gap of 13575 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 14911 days of revenue, i.e. 261.1 M€ to permanently finance. Over 2016-2022, WCR increased by +29%, requiring additional financing.
261 115 519 €
13611 j
36 j
0 j
14911 j
Based on 95 transactions of similar company sales
in 2022,
the value of BANQUE POUYANNE is estimated at
4 407 625 €
(range 1 640 651€ - 8 590 821€).
The price/revenue ratio is 0.68x
(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 95 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 BANQUE POUYANNE with other companies in the same sector:
Voir toutes les statistiques du secteur Autres intermédiations monétaires
The revenue of BANQUE POUYANNE in 2022 is 6.3 M€.
Yes, BANQUE POUYANNE generated a net profit of 1.0 M€ in 2022.
The headquarters of BANQUE POUYANNE is located in ORTHEZ (64300), in the department Pyrenees-Atlantiques.
The tax return of BANQUE POUYANNE 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).
BANQUE POUYANNE operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.