SIREN : 408485597
PAMIEL FINANCES is a French company founded 29 years ago, specialized in the sector Gestion de fonds. Based in PLUMERGAT (56400), this company of category PME shows in 2024 a revenue of 6 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 6 000 € | 6 000 € | 6 000 € | 4 050 € | 5 500 € | N/C | N/C | N/C | N/C |
| Net income | -4 001 € | -5 036 € | -6 325 € | -7 525 € | -3 468 € | -28 750 € | 158 805 € | 6 253 € | 13 868 € |
| EBITDA | 595 € | -398 € | -1 428 € | -2 578 € | 594 € | -29 932 € | -12 483 € | -2 097 € | -2 555 € |
| Net margin | -66.7% | -83.9% | -105.4% | -185.8% | -63.1% | N/C | N/C | N/C | N/C |
In 2024, PAMIEL FINANCES achieves revenue of 6 k€. Revenue is growing positively over 9 years (CAGR: +2.2%). Slight decline of 0% vs 2023. After deducting consumption (0 €), gross margin stands at 6 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 595 €, representing 9.9% of revenue. Positive scissor effect: EBITDA margin improves by +16.5 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Net income is negative at -4 k€ (-66.7% of revenue), which will impact equity.
6 000 €
6 000 €
595 €
-4 351 €
-4 001 €
9.9%
The debt ratio (= Financial debt / Equity x 100) stands at 2%. 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 97%. 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 3.7 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 15.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
1.777%
97.401%
15.767%
3.699
86.9%
In 2024, the debt ratio of PAMIEL FINANCES (1.78) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of PAMIEL FINANCES (97.4%) 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 2024, the repayment capacity of PAMIEL FINANCES (3.70) 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 847.12. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
847.119
0.0
In 2024, the liquidity ratio of PAMIEL FINANCES (847.12) 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 2024, the interest coverage of PAMIEL FINANCES (0.0x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
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: 104 days. Excellent situation: suppliers finance 104 days of the operating cycle (retail model). WCR is negative (-8 days): operations structurally generate cash.
-133 €
0 j
104 j
0 j
-8 j
Based on 62 transactions of similar company sales
in 2024,
the value of PAMIEL FINANCES is estimated at
2 469 €
(range 909€ - 5 923€).
With an EBITDA of 595€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.30x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 62 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 PAMIEL FINANCES with other companies in the same sector:
The revenue of PAMIEL FINANCES in 2024 is 6 k€.
PAMIEL FINANCES recorded a net loss in 2024.
The headquarters of PAMIEL FINANCES is located in PLUMERGAT (56400), in the department Morbihan.
The tax return of PAMIEL FINANCES 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).
PAMIEL FINANCES operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.