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GARAGE PAYEN : revenue, balance sheet and financial ratios

GARAGE PAYEN is a French company founded 7 years ago, specialized in the sector Entretien et réparation de véhicules automobiles légers. Based in CRIEL-SUR-MER (76910), this company of category PME shows in 2020 a net income negative of -1 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

Financial history - GARAGE PAYEN (SIREN 844151811)
Indicator 2020
Revenue N/C
Net income -1 305 €
EBITDA N/C
Net margin N/C

Revenue and income statement

In 2020, GARAGE PAYEN records a net loss of 1 k€. This deficit will reduce equity on the balance sheet.

Net income (2020) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-1 305 €

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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 -195%. 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 -44%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2020) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

-195.305%

Financial autonomy (2020) ?
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

-44.261%

Asset age ratio (2020) ?
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

79.4%

Solvency indicators evolution
GARAGE PAYEN

Sector positioning

Debt ratio
-195.31 2020
2020
Q1: 6.22
Med: 41.13
Q3: 127.25
Excellent

In 2020, the debt ratio of GARAGE PAYEN (-195.31) 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
-44.26% 2020
2020
Q1: 17.47%
Med: 39.22%
Q3: 59.06%
Watch

In 2020, the financial autonomy of GARAGE PAYEN (-44.3%) ranks in the bottom 25% of the sector. This ratio represents the share of equity in total financing. Low autonomy may limit investment capacity and increase vulnerability.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 95.34. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2020) ?
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

95.342

Liquidity indicators evolution
GARAGE PAYEN

Sector positioning

Liquidity ratio
95.34 2020
2020
Q1: 139.55
Med: 214.86
Q3: 320.25
Watch

In 2020, the liquidity ratio of GARAGE PAYEN (95.34) 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.

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: 20 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 327 days. Excellent situation: suppliers finance 307 days of the operating cycle (retail model).

Operating WCR (2020) ?
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 (2020) ?
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

20 j

Supplier credit (2020) ?
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

327 j

Inventory turnover (2020) ?
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
GARAGE PAYEN

Positioning of GARAGE PAYEN in its sector

Comparison with sector Entretien et réparation de véhicules automobiles légers

Similar companies (Entretien et réparation de véhicules automobiles légers)

Compare GARAGE PAYEN with other companies in the same sector:

Voir toutes les statistiques du secteur Entretien et réparation de véhicules automobiles légers

Frequently asked questions about GARAGE PAYEN

What is the revenue of GARAGE PAYEN ?

The revenue of GARAGE PAYEN is not publicly disclosed (confidential accounts filed with INPI).

Is GARAGE PAYEN profitable?

GARAGE PAYEN recorded a net loss in 2020.

Where is the headquarters of GARAGE PAYEN ?

The headquarters of GARAGE PAYEN is located in CRIEL-SUR-MER (76910), in the department Seine-Maritime.

Where to find the tax return of GARAGE PAYEN ?

The tax return of GARAGE PAYEN 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 GARAGE PAYEN operate?

GARAGE PAYEN operates in the sector Entretien et réparation de véhicules automobiles légers (NAF code 45.20A). See the 'Sector positioning' section above to compare the company with its competitors.