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PAYMENT & CASH MANAGEMENT DIGITAL TRANSFORMATION : revenue, balance sheet and financial ratios

PAYMENT & CASH MANAGEMENT DIGITAL TRANSFORMATION is a French company founded 15 years ago, specialized in the sector Conseil pour les affaires et autres conseils de gestion. Based in PARIS (75008), this company of category PME shows in 2017 a revenue of 147 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

Financial history - PAYMENT & CASH MANAGEMENT DIGITAL TRANSFORMATION (SIREN 528025299)
Indicator 2017
Revenue 146 880 €
Net income 38 071 €
EBITDA 43 771 €
Net margin 25.9%

Revenue and income statement

In 2017, PAYMENT & CASH MANAGEMENT DIGITAL TRANSFORMATION achieves revenue of 147 k€. After deducting consumption (0 €), gross margin stands at 147 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 44 k€, representing 29.8% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 38 k€, i.e. 25.9% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2017) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

146 880 €

Gross margin (2017) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

146 880 €

EBITDA (2017) ?
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

43 771 €

EBIT (2017) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

43 566 €

Net income (2017) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

38 071 €

EBITDA margin (2017) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

29.8%

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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 5%. 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 74%. 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 0.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 26.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2017) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

5.311%

Financial autonomy (2017) ?
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

74.274%

Cash flow / Revenue (2017) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

26.063%

Repayment capacity (2017) ?
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

0.131

Solvency indicators evolution
PAYMENT & CASH MANAGEMENT DIGITAL TRANSFORMATION

Sector positioning

Debt ratio
5.31 2017
2017
Q1: 0.0
Med: 3.88
Q3: 40.19
Average

In 2017, the debt ratio of PAYMENT & CASH MANAGEMENT... (5.31) 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
74.27% 2017
2017
Q1: 5.55%
Med: 38.43%
Q3: 72.14%
Excellent

In 2017, the financial autonomy of PAYMENT & CASH MANAGEMENT... (74.3%) 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.

Repayment capacity
0.13 years 2017
2017
Q1: 0.0 years
Med: 0.0 years
Q3: 0.57 years
Average

In 2017, the repayment capacity of PAYMENT & CASH MANAGEMENT... (0.13) 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.

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: 47 days. Excellent situation: suppliers finance 47 days of the operating cycle (retail model). WCR is negative (-63 days): operations structurally generate cash.

Operating WCR (2017) ?
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

-25 783 €

Customer credit (2017) ?
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 (2017) ?
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

47 j

Inventory turnover (2017) ?
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 in days of revenue (2017) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

-63 j

WCR and payment terms evolution
PAYMENT & CASH MANAGEMENT DIGITAL TRANSFORMATION

Positioning of PAYMENT & CASH MANAGEMENT DIGITAL TRANSFORMATION in its sector

Comparison with sector Conseil pour les affaires et autres conseils de gestion

Valuation estimate

Based on 63 transactions of similar company sales in 2017, the value of PAYMENT & CASH MANAGEMENT DIGITAL TRANSFORMATION is estimated at 171 603 € (range 76 157€ - 284 279€). With an EBITDA of 43 771€, the sector multiple of 5.1x is applied. The price/revenue ratio is 0.50x (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.
Medium reliability: estimate to be confirmed with in-depth analysis.

Estimated enterprise value 2017
63 tx
76k€ 171k€ 284k€
171 603 € Range: 76 157€ - 284 279€
NAF 5 année 2017

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
43 771 € × 5.1x
Estimation 222 504 €
112 670€ - 330 857€
Revenue Multiple 30%
146 880 € × 0.50x
Estimation 74 156 €
25 650€ - 125 078€
Net Income Multiple 20%
38 071 € × 5.0x
Estimation 190 522 €
60 638€ - 406 640€
How is this estimate calculated?

This estimate is based on the analysis of 63 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Conseil pour les affaires et autres conseils de gestion)

Compare PAYMENT & CASH MANAGEMENT DIGITAL TRANSFORMATION with other companies in the same sector:

Voir toutes les statistiques du secteur Conseil pour les affaires et autres conseils de gestion

Frequently asked questions about PAYMENT & CASH MANAGEMENT DIGITAL TRANSFORMATION

What is the revenue of PAYMENT & CASH MANAGEMENT DIGITAL TRANSFORMATION ?

The revenue of PAYMENT & CASH MANAGEMENT DIGITAL TRANSFORMATION in 2017 is 147 k€.

Is PAYMENT & CASH MANAGEMENT DIGITAL TRANSFORMATION profitable?

Yes, PAYMENT & CASH MANAGEMENT DIGITAL TRANSFORMATION generated a net profit of 38 k€ in 2017.

Where is the headquarters of PAYMENT & CASH MANAGEMENT DIGITAL TRANSFORMATION ?

The headquarters of PAYMENT & CASH MANAGEMENT DIGITAL TRANSFORMATION is located in PARIS (75008), in the department Paris.

Where to find the tax return of PAYMENT & CASH MANAGEMENT DIGITAL TRANSFORMATION ?

The tax return of PAYMENT & CASH MANAGEMENT DIGITAL TRANSFORMATION 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 PAYMENT & CASH MANAGEMENT DIGITAL TRANSFORMATION operate?

PAYMENT & CASH MANAGEMENT DIGITAL TRANSFORMATION operates in the sector Conseil pour les affaires et autres conseils de gestion (NAF code 70.22Z). See the 'Sector positioning' section above to compare the company with its competitors.