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PAYS BLANC IMMO : revenue, balance sheet and financial ratios

PAYS BLANC IMMO is a French company founded 21 years ago, specialized in the sector Agences immobilières. Based in GUERANDE (44350), this company of category PME shows in 2022 a revenue of 834 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 - PAYS BLANC IMMO (SIREN 481274827)
Indicator 2025 2024 2022 2020 2019 2018
Revenue N/C N/C 833 539 € N/C N/C N/C
Net income 66 947 € 840 664 € 112 122 € 98 907 € 131 460 € 220 727 €
EBITDA N/C N/C 133 728 € N/C N/C N/C
Net margin N/C N/C 13.5% N/C N/C N/C

Revenue and income statement

In 2025, PAYS BLANC IMMO generates positive net income of 67 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2018-2025: 221 k€ -> 67 k€.

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

66 947 €

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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 0%. 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 63%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

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

0.275%

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

63.076%

Asset age ratio (2025) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

16.7%

Solvency indicators evolution
PAYS BLANC IMMO

Sector positioning

Debt ratio
0.28 2025
2022
2024
2025
Q1: 0.01
Med: 9.42
Q3: 52.76
Good -38 pts over 3 years

In 2025, the debt ratio of PAYS BLANC IMMO (0.28) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
63.08% 2025
2022
2024
2025
Q1: 6.31%
Med: 33.52%
Q3: 61.17%
Excellent +13 pts over 3 years

In 2025, the financial autonomy of PAYS BLANC IMMO (63.1%) 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.

Repayment capacity
3.81 years 2022
2022
Q1: 0.0 years
Med: 0.01 years
Q3: 1.65 years
Average

In 2022, the repayment capacity of PAYS BLANC IMMO (3.81) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 263.52. 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

263.519

Liquidity indicators evolution
PAYS BLANC IMMO

Sector positioning

Liquidity ratio
263.52 2025
2022
2024
2025
Q1: 108.7
Med: 191.05
Q3: 464.46
Good -7 pts over 3 years

In 2025, the liquidity ratio of PAYS BLANC IMMO (263.52) 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
1.42x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 1.33x
Excellent

In 2022, the interest coverage of PAYS BLANC IMMO (1.4x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

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

0 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
PAYS BLANC IMMO

Positioning of PAYS BLANC IMMO in its sector

Comparison with sector Agences immobilières

Valuation estimate

Based on 55 transactions of similar company sales in 2025, the value of PAYS BLANC IMMO is estimated at 128 631 € (range 92 118€ - 233 039€). 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 2025
55 tx
92k€ 128k€ 233k€
128 631 € Range: 92 118€ - 233 039€
NAF 5 année 2025

Valuation method used

Net Income Multiple
66 947 € × 1.9x = 128 632 €
Range: 92 119€ - 233 039€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 55 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 (Agences immobilières)

Compare PAYS BLANC IMMO with other companies in the same sector:

Frequently asked questions about PAYS BLANC IMMO

What is the revenue of PAYS BLANC IMMO ?

The revenue of PAYS BLANC IMMO in 2022 is 834 k€.

Is PAYS BLANC IMMO profitable?

Yes, PAYS BLANC IMMO generated a net profit of 67 k€ in 2025.

Where is the headquarters of PAYS BLANC IMMO ?

The headquarters of PAYS BLANC IMMO is located in GUERANDE (44350), in the department Loire-Atlantique.

Where to find the tax return of PAYS BLANC IMMO ?

The tax return of PAYS BLANC IMMO 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 PAYS BLANC IMMO operate?

PAYS BLANC IMMO operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.