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.

Data updated on 2026-04-25

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

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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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 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
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

72.0%

Solvency indicators evolution
PAJOT ASSURANCES

Sector positioning

Debt ratio
49.92 2024
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

Sector positioning

Liquidity ratio
101.13 2024
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

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:

Frequently asked questions about PAJOT ASSURANCES

What is the revenue of PAJOT ASSURANCES ?

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.