SIREN : 844169367
PAGOLINE is a French company founded 7 years ago, specialized in the sector Services administratifs combinés de bureau. Based in SAINT-HERBLAIN (44800), this company of category ETI shows in 2024 a revenue of 5.0 M€. 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 |
|---|---|---|---|
| Revenue | 4 976 288 € | 4 662 896 € | 4 603 661 € |
| Net income | 900 665 € | 650 117 € | 702 958 € |
| EBITDA | 189 635 € | 92 665 € | 105 493 € |
| Net margin | 18.1% | 13.9% | 15.3% |
In 2024, PAGOLINE achieves revenue of 5.0 M€. Revenue is growing positively over 3 years (CAGR: +4.0%). Vs 2023: +7%. After deducting consumption (0 €), gross margin stands at 5.0 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 190 k€, representing 3.8% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 901 k€, i.e. 18.1% of revenue. This profit can be retained or distributed to shareholders.
4 976 288 €
4 976 288 €
189 635 €
22 969 €
900 665 €
3.8%
The debt ratio (= Financial debt / Equity x 100) stands at 54%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 60%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 29.0 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 4.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
53.501%
59.53%
4.68%
29.035
69.3%
In 2024, the debt ratio of PAGOLINE (53.50) 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 PAGOLINE (59.5%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
In 2024, the repayment capacity of PAGOLINE (29.04) ranks above the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A reduction effort could improve financial strength.
The liquidity ratio (= Current assets / Current liabilities) stands at 130.90. 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 691.5x. Operating income very largely covers interest expenses: high safety margin.
130.896
691.49
In 2024, the liquidity ratio of PAGOLINE (130.90) 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 PAGOLINE (691.5x) 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: 100 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 96 days. The company must finance 4 days of gap between collections and payments. Overall, WCR represents 74 days of revenue, i.e. 1.0 M€ to permanently finance. Notable WCR improvement over the period (-45%), freeing up cash.
1 028 051 €
100 j
96 j
0 j
74 j
Based on 173 transactions of similar company sales (all years), the value of PAGOLINE is estimated at 1 534 546 € (range 552 209€ - 3 644 020€). With an EBITDA of 189 635€, the sector multiple of 3.4x is applied. The price/revenue ratio is 0.38x (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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 173 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 PAGOLINE with other companies in the same sector:
Voir toutes les statistiques du secteur Services administratifs combinés de bureau
The revenue of PAGOLINE in 2024 is 5.0 M€.
Yes, PAGOLINE generated a net profit of 901 k€ in 2024.
The headquarters of PAGOLINE is located in SAINT-HERBLAIN (44800), in the department Loire-Atlantique.
The tax return of PAGOLINE 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).
PAGOLINE operates in the sector Services administratifs combinés de bureau (NAF code 82.11Z). See the 'Sector positioning' section above to compare the company with its competitors.