SIREN : 791709264
PALOMA is a French company founded 13 years ago, specialized in the sector Restauration de type rapide. Based in SAINT-ETIENNE (42100), this company of category PME shows in 2020 a revenue of 278 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 | 2020 | 2018 |
|---|---|---|
| Revenue | 277 710 € | 310 654 € |
| Net income | 13 756 € | 25 576 € |
| EBITDA | 4 632 € | 29 942 € |
| Net margin | 5.0% | 8.2% |
In 2020, PALOMA achieves revenue of 278 k€. Significant drop of -11% vs 2018. After deducting consumption (84 k€), gross margin stands at 194 k€, i.e. a rate of 70%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 5 k€, representing 1.7% of revenue. Warning negative scissor effect: despite revenue change (-11%), EBITDA varies by -85%, reducing margin by 8.0 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 14 k€, i.e. 5.0% of revenue. This profit can be retained or distributed to shareholders.
277 710 €
194 157 €
4 632 €
17 137 €
13 756 €
1.6%
The debt ratio (= Financial debt / Equity x 100) stands at 40%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 58%. 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 3.9 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 6.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
39.572%
58.152%
6.271%
3.906
45.1%
In 2020, the debt ratio of PALOMA (39.57) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2020, the financial autonomy of PALOMA (58.1%) 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 2020, the repayment capacity of PALOMA (3.91) 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 89.64. 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 36.0x. Operating income very largely covers interest expenses: high safety margin.
89.639
35.967
In 2020, the liquidity ratio of PALOMA (89.64) 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 2020, the interest coverage of PALOMA (36.0x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 55 days. Excellent situation: suppliers finance 55 days of the operating cycle (retail model). Inventory turnover is 5 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. WCR is negative (-18 days): operations structurally generate cash.
-13 699 €
0 j
55 j
5 j
-18 j
Based on 719 transactions of similar company sales in 2020, the value of PALOMA is estimated at 87 640 € (range 50 843€ - 137 800€). With an EBITDA of 4 632€, the sector multiple of 5.7x is applied. The price/revenue ratio is 0.62x (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.
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This estimate is based on the analysis of 719 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 PALOMA with other companies in the same sector:
Voir toutes les statistiques du secteur Restauration de type rapide
The revenue of PALOMA in 2020 is 278 k€.
Yes, PALOMA generated a net profit of 14 k€ in 2020.
The headquarters of PALOMA is located in SAINT-ETIENNE (42100), in the department Loire.
The tax return of PALOMA 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).
PALOMA operates in the sector Restauration de type rapide (NAF code 56.10C). See the 'Sector positioning' section above to compare the company with its competitors.