Employees: 11 (2023.0)Legal category: Société à responsabilité limitée (sans autre indication)Size: PMECreation date: 2010-08-01 (15 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: PERPIGNAN (66000), Pyrenees-Orientales
PAJOT ASSURANCES : revenue, balance sheet and financial ratios
PAJOT ASSURANCES is a French company
founded 15 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in PERPIGNAN (66000),
this company of category PME
shows in 2019 a revenue of 1.0 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - PAJOT ASSURANCES (SIREN 524202751)
Indicator
2024
2023
2022
2021
2020
2019
2018
2017
2016
Revenue
N/C
N/C
N/C
N/C
N/C
1 042 121 €
N/C
1 055 533 €
1 039 049 €
Net income
-37 €
91 900 €
168 168 €
134 787 €
111 888 €
46 861 €
94 050 €
85 683 €
44 252 €
EBITDA
N/C
N/C
N/C
N/C
N/C
48 646 €
N/C
94 273 €
48 950 €
Net margin
N/C
N/C
N/C
N/C
N/C
4.5%
N/C
8.1%
4.3%
Revenue and income statement
In 2024, PAJOT ASSURANCES records a net loss of 37 €. This deficit will reduce equity on the balance sheet.
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
-37 €
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 50%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 63%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
Debt ratio (2024)
?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
49.922%
Financial autonomy (2024)
?
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
63.461%
Asset age ratio (2024)
?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Debt ratio
65.564
49.628
35.287
29.979
23.019
15.734
38.586
28.377
49.922
Financial autonomy
58.985
65.103
71.57
74.404
75.854
79.775
67.982
71.168
63.461
Repayment capacity
107.897
8.173
None
12.22
None
None
None
None
None
Cash flow / Revenue
0.439%
4.812%
None%
2.301%
None%
None%
None%
None%
None%
Sector positioning
Debt ratio
49.922024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Average+12 pts over 3 years
In 2024, the debt ratio of PAJOT ASSURANCES (49.92) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
Financial autonomy
63.46%2024
2022
2023
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Good-6 pts over 3 years
In 2024, the financial autonomy of PAJOT ASSURANCES (63.5%) 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.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 101.13. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquidity ratio (2024)
?
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
101.127
Liquidity indicators evolution PAJOT ASSURANCES
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Liquidity ratio
538.616
503.971
442.013
315.864
342.263
58.172
213.451
144.0
101.127
Interest coverage
36.854
16.035
None
19.208
None
None
None
None
None
Sector positioning
Liquidity ratio
101.132024
2022
2023
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Watch-21 pts over 3 years
In 2024, the liquidity ratio of PAJOT ASSURANCES (101.13) 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.
Operating WCR (2024)
?
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 (2024)
?
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
0 j
Supplier credit (2024)
?
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
0 j
Inventory turnover (2024)
?
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 PAJOT ASSURANCES
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Operating WCR
50 706 €
65 496 €
0 €
34 765 €
0 €
0 €
0 €
0 €
0 €
Inventory turnover (days)
0
0
0
0
0
0
0
0
0
Customer payment term (days)
18
24
0
16
0
0
0
0
0
Supplier payment term (days)
0
0
0
2
0
0
0
0
0
Positioning of PAJOT ASSURANCES in its sector
Comparison with sector Activités des agents et courtiers d'assurances
Similar companies (Activités des agents et courtiers d'assurances)
Compare PAJOT ASSURANCES with other companies in the same sector:
The revenue of PAJOT ASSURANCES in 2019 is 1.0 M€.
Is PAJOT ASSURANCES profitable?
PAJOT ASSURANCES recorded a net loss in 2024.
Where is the headquarters of PAJOT ASSURANCES ?
The headquarters of PAJOT ASSURANCES is located in PERPIGNAN (66000), in the department Pyrenees-Orientales.
Where to find the tax return of PAJOT ASSURANCES ?
The tax return of PAJOT ASSURANCES 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 PAJOT ASSURANCES operate?
PAJOT ASSURANCES operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.
Item evolution
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