SIREN : 418212197
FINANCIERE PENFRET is a French company founded 28 years ago, specialized in the sector Gestion de fonds. Based in ERGUE GABERIC (29500), this company of category GE shows in 2024 a revenue of 818 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 818 000 € | 818 000 € | 818 000 € | 818 000 € | 818 000 € | 818 000 € | 819 225 € | 818 € | 818 000 € |
| Net income | -454 117 € | -654 278 € | -419 558 € | -360 400 € | -390 429 € | 247 985 € | -491 481 € | -584 € | -490 298 € |
| EBITDA | 656 027 € | 659 867 € | 650 656 € | 690 617 € | 691 518 € | 708 739 € | 581 848 € | 518 € | 601 176 € |
| Net margin | -55.5% | -80.0% | -51.3% | -44.1% | -47.7% | 30.3% | -60.0% | -71.4% | -59.9% |
In 2024, FINANCIERE PENFRET achieves revenue of 818 k€. Activity remains stable over the period (CAGR: 0.0%). Slight decline of 0% vs 2023. After deducting consumption (0 €), gross margin stands at 818 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 656 k€, representing 80.2% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Net income is negative at -454 k€ (-55.5% of revenue), which will impact equity.
818 000 €
818 000 €
656 027 €
481 814 €
-454 117 €
80.2%
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 25%. The balance between equity and debt is satisfactory. Cash flow represents 12.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.0%
24.607%
12.73%
0.0
61.3%
In 2024, the debt ratio of FINANCIERE PENFRET (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.
In 2024, the financial autonomy of FINANCIERE PENFRET (24.6%) 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 2024, the repayment capacity of FINANCIERE PENFRET (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.
The liquidity ratio (= Current assets / Current liabilities) stands at 0.52. Alert: short-term debt exceeds current assets. Risk of payment difficulties without cash reinforcement. The interest coverage ratio (= EBIT / Interest expenses) is 84.1x. Operating income very largely covers interest expenses: high safety margin.
0.519
84.127
In 2024, the liquidity ratio of FINANCIERE PENFRET (0.52) 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.
In 2024, the interest coverage of FINANCIERE PENFRET (84.1x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 20 days. Favorable situation: supplier credit is longer than customer credit by 20 days. WCR is negative (-7932 days): operations structurally generate cash.
-18 022 160 €
0 j
20 j
0 j
-7932 j
Based on 62 transactions of similar company sales
in 2024,
the value of FINANCIERE PENFRET is estimated at
2 060 532 €
(range 660 139€ - 4 688 394€).
With an EBITDA of 656 027€, the sector multiple of 4.8x 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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 62 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 FINANCIERE PENFRET with other companies in the same sector:
The revenue of FINANCIERE PENFRET in 2024 is 818 k€.
FINANCIERE PENFRET recorded a net loss in 2024.
The headquarters of FINANCIERE PENFRET is located in ERGUE GABERIC (29500), in the department Finistere.
The tax return of FINANCIERE PENFRET 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).
FINANCIERE PENFRET operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.