SIREN : 879409803
PAPERNEST SERVICES is a French company founded 6 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75019), this company of category ETI shows in 2024 a revenue of 25.3 M€. 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 |
|---|---|---|---|---|
| Revenue | 25 323 537 € | 20 351 322 € | 22 932 703 € | 16 525 769 € |
| Net income | -16 972 € | -40 941 € | -32 507 € | 27 087 € |
| EBITDA | 174 284 € | 13 622 € | 110 123 € | 144 732 € |
| Net margin | -0.1% | -0.2% | -0.1% | 0.2% |
In 2024, PAPERNEST SERVICES achieves revenue of 25.3 M€. Over the period 2021-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +15.3%. Vs 2023, growth of +24% (20.4 M€ -> 25.3 M€). After deducting consumption (1 €), gross margin stands at 25.3 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 174 k€, representing 0.7% of revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -17 k€ (-0.1% of revenue), which will impact equity.
25 323 537 €
25 323 536 €
174 284 €
-24 380 €
-16 972 €
0.7%
The debt ratio (= Financial debt / Equity x 100) stands at 31%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 54%. 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 1.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
31.229%
54.222%
1.542%
3.857
60.8%
In 2024, the debt ratio of PAPERNEST SERVICES (31.23) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of PAPERNEST SERVICES (54.2%) 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.
In 2024, the repayment capacity of PAPERNEST SERVICES (3.86) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.
The liquidity ratio (= Current assets / Current liabilities) stands at 247.97. 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 21.8x. Operating income very largely covers interest expenses: high safety margin.
247.971
21.79
In 2024, the liquidity ratio of PAPERNEST SERVICES (247.97) 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 PAPERNEST SERVICES (21.8x) 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: 61 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 67 days. Favorable situation: supplier credit is longer than customer credit by 6 days. Overall, WCR represents 66 days of revenue, i.e. 4.7 M€ to permanently finance. Over 2021-2024, WCR increased by +152%, requiring additional financing.
4 660 037 €
61 j
67 j
0 j
66 j
Based on 193 transactions of similar company sales (all years), the value of PAPERNEST SERVICES is estimated at 9 461 332 € (range 2 635 738€ - 18 024 295€). With an EBITDA of 174 284€, the sector multiple of 1.2x is applied. The price/revenue ratio is 0.98x (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 193 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 PAPERNEST SERVICES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of PAPERNEST SERVICES in 2024 is 25.3 M€.
PAPERNEST SERVICES recorded a net loss in 2024.
The headquarters of PAPERNEST SERVICES is located in PARIS (75019), in the department Paris.
The tax return of PAPERNEST SERVICES 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).
PAPERNEST SERVICES 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.