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PCG FINANCIERE AUTOMOBILE : revenue, balance sheet and financial ratios

PCG FINANCIERE AUTOMOBILE is a French company founded 10 years ago, specialized in the sector Activités des sièges sociaux. Based in FUVEAU (13710), this company of category PME shows in 2021 a net income positive of 78 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - PCG FINANCIERE AUTOMOBILE (SIREN 819667510)
Indicator 2021 2020 2019 2016
Revenue N/C N/C N/C N/C
Net income 77 538 € 379 081 € 69 216 € -814 €
EBITDA -13 084 € -5 712 € -5 906 € -520 €
Net margin N/C N/C N/C N/C

Revenue and income statement

In 2021, PCG FINANCIERE AUTOMOBILE generates positive net income of 78 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax.

EBITDA (2021) ?
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

-13 084 €

EBIT (2021) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-13 084 €

Net income (2021) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

77 538 €

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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 140%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 41%. 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 20.5 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high.

Debt ratio (2021) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

139.68%

Financial autonomy (2021) ?
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

40.563%

Repayment capacity (2021) ?
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

20.47

Solvency indicators evolution
PCG FINANCIERE AUTOMOBILE

Sector positioning

Debt ratio
139.68 2021
2019
2020
2021
Q1: 0.58
Med: 25.91
Q3: 117.92
Average

In 2021, the debt ratio of PCG FINANCIERE AUTOMOBILE (139.68) 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
40.56% 2021
2019
2020
2021
Q1: 18.96%
Med: 52.84%
Q3: 83.08%
Average +12 pts over 3 years

In 2021, the financial autonomy of PCG FINANCIERE AUTOMOBILE (40.6%) 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
20.47 years 2021
2019
2020
2021
Q1: 0.0 years
Med: 0.41 years
Q3: 4.52 years
Average

In 2021, the repayment capacity of PCG FINANCIERE AUTOMOBILE (20.47) 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 275.19. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2021) ?
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

275.185

Interest coverage (2021) ?
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

-156.145

Liquidity indicators evolution
PCG FINANCIERE AUTOMOBILE

Sector positioning

Liquidity ratio
275.19 2021
2019
2020
2021
Q1: 100.27
Med: 320.17
Q3: 1357.57
Average -30 pts over 3 years

In 2021, the liquidity ratio of PCG FINANCIERE AUTOMOBILE (275.19) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
-156.15x 2021
2019
2020
2021
Q1: -27.49x
Med: 0.0x
Q3: 3.0x
Average

In 2021, the interest coverage of PCG FINANCIERE AUTOMOBILE (-156.2x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 138 days. Excellent situation: suppliers finance 138 days of the operating cycle (retail model).

Operating WCR (2021) ?
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 (2021) ?
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 (2021) ?
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

138 j

Inventory turnover (2021) ?
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
PCG FINANCIERE AUTOMOBILE

Positioning of PCG FINANCIERE AUTOMOBILE in its sector

Comparison with sector Activités des sièges sociaux

Valuation estimate

Based on 65 transactions of similar company sales in 2021, the value of PCG FINANCIERE AUTOMOBILE is estimated at 402 818 € (range 189 592€ - 820 195€). 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 2021
65 tx
189k€ 402k€ 820k€
402 818 € Range: 189 592€ - 820 195€
NAF 5 année 2021

Valuation method used

Net Income Multiple
77 538 € × 5.2x = 402 818 €
Range: 189 592€ - 820 195€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 65 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 (Activités des sièges sociaux)

Compare PCG FINANCIERE AUTOMOBILE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sièges sociaux

Frequently asked questions about PCG FINANCIERE AUTOMOBILE

What is the revenue of PCG FINANCIERE AUTOMOBILE ?

The revenue of PCG FINANCIERE AUTOMOBILE is not publicly disclosed (confidential accounts filed with INPI).

Is PCG FINANCIERE AUTOMOBILE profitable?

Yes, PCG FINANCIERE AUTOMOBILE generated a net profit of 78 k€ in 2021.

Where is the headquarters of PCG FINANCIERE AUTOMOBILE ?

The headquarters of PCG FINANCIERE AUTOMOBILE is located in FUVEAU (13710), in the department Bouches-du-Rhone.

Where to find the tax return of PCG FINANCIERE AUTOMOBILE ?

The tax return of PCG FINANCIERE AUTOMOBILE 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 PCG FINANCIERE AUTOMOBILE operate?

PCG FINANCIERE AUTOMOBILE operates in the sector Activités des sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.