SIREN : 393753298
PAC FINANCES is a French company founded 32 years ago, specialized in the sector Activités des sociétés holding. Based in AIRE-SUR-LA-LYS (62120), this company of category PME shows in 2024 a revenue of 298 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 298 466 € | 347 536 € | 369 758 € | 242 552 € | 267 592 € | 279 003 € | 271 236 € | 256 581 € | N/C |
| Net income | -1 257 068 € | 3 210 378 € | 1 828 288 € | 1 234 345 € | 3 592 048 € | 1 041 681 € | 2 116 207 € | 1 075 380 € | 1 532 432 € |
| EBITDA | 151 102 € | 206 057 € | 231 021 € | 118 717 € | 157 933 € | 195 748 € | 167 531 € | 158 977 € | N/C |
| Net margin | -421.2% | 923.8% | 494.5% | 508.9% | 1342.4% | 373.4% | 780.2% | 419.1% | N/C |
In 2024, PAC FINANCES achieves revenue of 298 k€. Revenue is growing positively over 9 years (CAGR: +2.2%). Significant drop of -14% vs 2023. After deducting consumption (0 €), gross margin stands at 298 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 151 k€, representing 50.6% of revenue. Warning negative scissor effect: despite revenue change (-14%), EBITDA varies by -27%, reducing margin by 8.7 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Net income is negative at -1.3 M€ (-421.2% of revenue), which will impact equity.
298 466 €
298 466 €
151 102 €
151 096 €
-1 257 068 €
50.6%
The debt ratio (= Financial debt / Equity x 100) stands at 105%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 49%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
104.959%
48.58%
-141.637%
-51.184
In 2024, the debt ratio of PAC FINANCES (104.96) 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 2024, the financial autonomy of PAC FINANCES (48.6%) 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 PAC FINANCES (-51.18) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 552.90. 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 6694.5x. Operating income very largely covers interest expenses: high safety margin.
552.896
6694.453
In 2024, the liquidity ratio of PAC FINANCES (552.90) 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 PAC FINANCES (6694.4x) 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: 184 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 48 days. The gap of 136 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 689 days of revenue, i.e. 571 k€ to permanently finance.
571 330 €
184 j
48 j
0 j
689 j
Based on 54 transactions of similar company sales
in 2024,
the value of PAC FINANCES is estimated at
522 589 €
(range 118 303€ - 865 353€).
With an EBITDA of 151 102€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.59x
(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 54 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 PAC FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of PAC FINANCES in 2024 is 298 k€.
PAC FINANCES recorded a net loss in 2024.
The headquarters of PAC FINANCES is located in AIRE-SUR-LA-LYS (62120), in the department Pas-de-Calais.
The tax return of PAC FINANCES 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).
PAC FINANCES 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.