Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.

PASCAL LODE : revenue, balance sheet and financial ratios

PASCAL LODE is a French company founded 29 years ago, specialized in the sector Services administratifs combinés de bureau. Based in LA BAULE-ESCOUBLAC (44500), this company of category PME shows in 2025 a net income negative of -14 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

Financial history - PASCAL LODE (SIREN 411421340)
Indicator 2025 2024 2023 2019 2018 2017
Revenue N/C N/C N/C N/C N/C N/C
Net income -13 529 € -2 215 € -11 366 € 93 149 € 63 314 € 62 124 €
EBITDA -7 663 € -5 894 € -4 011 € N/C N/C N/C
Net margin N/C N/C N/C N/C N/C N/C

Revenue and income statement

In 2025, PASCAL LODE records a net loss of 14 k€. This deficit will reduce equity on the balance sheet.

EBITDA (2025) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

-7 663 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-12 692 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-13 529 €

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 93%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 23%. The balance between equity and debt is satisfactory.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

92.981%

Financial autonomy (2025) ?
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

22.623%

Repayment capacity (2025) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

-0.838

Solvency indicators evolution
PASCAL LODE

Sector positioning

Debt ratio
92.98 2025
2023
2024
2025
Q1: 0.14
Med: 16.34
Q3: 92.69
Average +43 pts over 3 years

In 2025, the debt ratio of PASCAL LODE (92.98) 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
22.62% 2025
2023
2024
2025
Q1: 13.69%
Med: 51.99%
Q3: 85.32%
Average -44 pts over 3 years

In 2025, the financial autonomy of PASCAL LODE (22.6%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
-0.84 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 0.34 years
Q3: 3.6 years
Excellent

In 2025, the repayment capacity of PASCAL LODE (-0.84) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 1950.40. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
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

1950.4

Interest coverage (2025) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

0.0

Liquidity indicators evolution
PASCAL LODE

Sector positioning

Liquidity ratio
1950.4 2025
2023
2024
2025
Q1: 140.28
Med: 507.86
Q3: 2210.32
Good

In 2025, the liquidity ratio of PASCAL LODE (1950.40) 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.

Interest coverage
0.0x 2025
2023
2024
2025
Q1: -39.6x
Med: 0.0x
Q3: 1.37x
Good

In 2025, the interest coverage of PASCAL LODE (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) and payment terms

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: 59 days. Excellent situation: suppliers finance 59 days of the operating cycle (retail model).

Operating WCR (2025) ?
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 (2025) ?
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 (2025) ?
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

59 j

Inventory turnover (2025) ?
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
PASCAL LODE

Positioning of PASCAL LODE in its sector

Comparison with sector Services administratifs combinés de bureau

Similar companies (Services administratifs combinés de bureau)

Compare PASCAL LODE with other companies in the same sector:

Voir toutes les statistiques du secteur Services administratifs combinés de bureau

Frequently asked questions about PASCAL LODE

What is the revenue of PASCAL LODE ?

The revenue of PASCAL LODE is not publicly disclosed (confidential accounts filed with INPI).

Is PASCAL LODE profitable?

PASCAL LODE recorded a net loss in 2025.

Where is the headquarters of PASCAL LODE ?

The headquarters of PASCAL LODE is located in LA BAULE-ESCOUBLAC (44500), in the department Loire-Atlantique.

Where to find the tax return of PASCAL LODE ?

The tax return of PASCAL LODE 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 PASCAL LODE operate?

PASCAL LODE operates in the sector Services administratifs combinés de bureau (NAF code 82.11Z). See the 'Sector positioning' section above to compare the company with its competitors.