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E.U.R.L NOEMIE PAGENOT : revenue, balance sheet and financial ratios

E.U.R.L NOEMIE PAGENOT is a French company founded 9 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LE HAVRE (76600), this company of category PME shows in 2017 a revenue of 33 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - E.U.R.L NOEMIE PAGENOT (SIREN 820190874)
Indicator 2019 2018 2017
Revenue N/C N/C 32 976 €
Net income 0 € 0 € -1 161 €
EBITDA N/C N/C -1 859 €
Net margin N/C N/C -3.5%

Revenue and income statement

In 2019, E.U.R.L NOEMIE PAGENOT records a net loss of 0 €. This deficit will reduce equity on the balance sheet.

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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 83%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 11%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2019) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

83.048%

Financial autonomy (2019) ?
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

10.529%

Solvency indicators evolution
E.U.R.L NOEMIE PAGENOT

Sector positioning

Debt ratio
83.05 2019
2017
2018
2019
Q1: 0.02
Med: 10.33
Q3: 63.27
Average

In 2019, the debt ratio of E.U.R.L NOEMIE PAGENOT (83.05) 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
10.53% 2019
2017
2018
2019
Q1: 15.63%
Med: 46.49%
Q3: 74.02%
Average -44 pts over 3 years

In 2019, the financial autonomy of E.U.R.L NOEMIE PAGENOT (10.5%) 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
-4.4 years 2017
2017
Q1: 0.0 years
Med: 0.06 years
Q3: 1.92 years
Excellent

In 2017, the repayment capacity of E.U.R.L NOEMIE PAGENOT (-4.40) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 67.08. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2019) ?
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

67.084

Liquidity indicators evolution
E.U.R.L NOEMIE PAGENOT

Sector positioning

Liquidity ratio
67.08 2019
2017
2018
2019
Q1: 110.27
Med: 205.98
Q3: 471.66
Watch -31 pts over 3 years

In 2019, the liquidity ratio of E.U.R.L NOEMIE PAGENOT (67.08) 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
-6.62x 2017
2017
Q1: 0.0x
Med: 0.0x
Q3: 2.77x
Average

In 2017, the interest coverage of E.U.R.L NOEMIE PAGENOT (-6.6x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 13237 days. Excellent situation: suppliers finance 13237 days of the operating cycle (retail model).

Operating WCR (2019) ?
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 (2019) ?
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 (2019) ?
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

13237 j

Inventory turnover (2019) ?
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
E.U.R.L NOEMIE PAGENOT

Positioning of E.U.R.L NOEMIE PAGENOT in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Similar companies (Activités des agents et courtiers d'assurances)

Compare E.U.R.L NOEMIE PAGENOT with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about E.U.R.L NOEMIE PAGENOT

What is the revenue of E.U.R.L NOEMIE PAGENOT ?

The revenue of E.U.R.L NOEMIE PAGENOT in 2017 is 33 k€.

Is E.U.R.L NOEMIE PAGENOT profitable?

E.U.R.L NOEMIE PAGENOT recorded a net loss in 2017.

Where is the headquarters of E.U.R.L NOEMIE PAGENOT ?

The headquarters of E.U.R.L NOEMIE PAGENOT is located in LE HAVRE (76600), in the department Seine-Maritime.

Where to find the tax return of E.U.R.L NOEMIE PAGENOT ?

The tax return of E.U.R.L NOEMIE PAGENOT 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 E.U.R.L NOEMIE PAGENOT operate?

E.U.R.L NOEMIE PAGENOT operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.