SIREN : 401654835
PAJ is a French company founded 30 years ago, specialized in the sector Activités des sociétés holding. Based in BOURGOIN-JALLIEU (38300), this company of category PME shows in 2025 a revenue of 350 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 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 349 769 € | 424 976 € | 684 259 € | 885 271 € | 326 403 € | 770 046 € | 322 734 € | 554 014 € | 2 712 720 € | 1 114 391 € |
| Net income | 1 304 016 € | 750 525 € | 309 498 € | 401 719 € | 878 417 € | -447 770 € | 390 605 € | 499 181 € | 702 289 € | 825 712 € |
| EBITDA | -109 217 € | 44 377 € | 120 037 € | 102 530 € | -113 618 € | 67 255 € | -99 162 € | 58 319 € | 794 995 € | -6 165 € |
| Net margin | 372.8% | 176.6% | 45.2% | 45.4% | 269.1% | -58.1% | 121.0% | 90.1% | 25.9% | 74.1% |
In 2025, PAJ achieves revenue of 350 k€. Revenue is declining over the period 2016-2025 (CAGR: -12.1%). Significant drop of -18% vs 2024. After deducting consumption (97 €), gross margin stands at 350 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 -109 k€, representing -31.2% of revenue. Warning negative scissor effect: despite revenue change (-18%), EBITDA varies by -346%, reducing margin by 41.7 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 1.3 M€, i.e. 372.8% of revenue. This profit can be retained or distributed to shareholders.
349 769 €
349 672 €
-109 217 €
-109 086 €
1 304 016 €
-31.2%
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 99%. 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 0.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 135.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.386%
98.669%
135.597%
0.111
52.9%
In 2025, the debt ratio of PAJ (0.39) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2025, the financial autonomy of PAJ (98.7%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2025, the repayment capacity of PAJ (0.11) 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 1346.58. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
1346.584
-77.67
In 2025, the liquidity ratio of PAJ (1346.58) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2025, the interest coverage of PAJ (-77.7x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 49 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 106 days. Excellent situation: suppliers finance 57 days of the operating cycle (retail model). Overall, WCR represents 747 days of revenue, i.e. 726 k€ to permanently finance.
725 701 €
49 j
106 j
0 j
747 j
Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 310 779€ to 6 672 953€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 20 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 PAJ with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of PAJ in 2025 is 350 k€.
Yes, PAJ generated a net profit of 1.3 M€ in 2025.
The headquarters of PAJ is located in BOURGOIN-JALLIEU (38300), in the department Isere.
The tax return of PAJ 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).
PAJ 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.