SIREN : 801208091
PBI FINANCES is a French company founded 12 years ago, specialized in the sector Conseil pour les affaires et autres conseils de gestion. Based in PARIS (75017), this company of category PME shows in 2023 a revenue of 84 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-11
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 84 000 € | 84 000 € | N/C | N/C | N/C | N/C | N/C | N/C | N/C | N/C |
| Net income | 28 938 € | 45 087 € | 1 516 994 € | 90 686 € | 195 058 € | 183 482 € | 158 275 € | 44 321 € | 13 202 € | 67 336 € |
| EBITDA | 39 537 € | 51 929 € | -15 682 € | -3 982 € | -4 202 € | -4 121 € | -3 770 € | -4 333 € | -4 389 € | -23 475 € |
| Net margin | 34.4% | 53.7% | N/C | N/C | N/C | N/C | N/C | N/C | N/C | N/C |
In 2023, PBI FINANCES achieves revenue of 84 k€. Activity remains stable over the period (CAGR: 0.0%). Slight decline of 0% vs 2022. After deducting consumption (0 €), gross margin stands at 84 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 40 k€, representing 47.1% of revenue. Warning negative scissor effect: despite revenue change (+0%), EBITDA varies by -24%, reducing margin by 14.8 pts. This reflects costs rising faster than 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 29 k€, i.e. 34.4% of revenue. This profit can be retained or distributed to shareholders.
84 000 €
84 000 €
39 537 €
15 983 €
28 938 €
47.1%
The debt ratio (= Financial debt / Equity x 100) stands at 6%. 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 94%. 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 2.7 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 62.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
6.459%
93.5%
62.49%
2.657
75.1%
In 2023, the debt ratio of PBI FINANCES (6.46) 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 2023, the financial autonomy of PBI FINANCES (93.5%) 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 2023, the repayment capacity of PBI FINANCES (2.66) 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 20781.78. 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 0.3x. Danger: operating income does not cover interest charges, unsustainable situation.
20781.779
0.268
In 2023, the liquidity ratio of PBI FINANCES (20781.78) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2023, the interest coverage of PBI FINANCES (0.3x) 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: 90 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 36 days. The gap of 54 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 95 days of revenue, i.e. 22 k€ to permanently finance.
22 176 €
90 j
36 j
0 j
95 j
Based on 66 transactions of similar company sales
in 2023,
the value of PBI FINANCES is estimated at
134 376 €
(range 41 240€ - 243 444€).
With an EBITDA of 39 537€, the sector multiple of 4.0x is applied.
The price/revenue ratio is 0.63x
(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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 66 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 PBI FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Conseil pour les affaires et autres conseils de gestion
The revenue of PBI FINANCES in 2023 is 84 k€.
Yes, PBI FINANCES generated a net profit of 29 k€ in 2023.
The headquarters of PBI FINANCES is located in PARIS (75017), in the department Paris.
The tax return of PBI 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).
PBI FINANCES 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.