SIREN : 493608632
P.C.M FINANCES is a French company founded 19 years ago, specialized in the sector Activités des sociétés holding. Based in BLAGNAC (31700), this company of category PME shows in 2024 a revenue of 986 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 985 928 € | 854 419 € | 777 779 € | 668 611 € | 607 138 € | 467 197 € | 434 994 € | 363 827 € | 331 725 € |
| Net income | 4 988 190 € | 237 076 € | 300 631 € | 296 221 € | 252 549 € | 33 202 € | 79 012 € | 22 704 € | 5 636 € |
| EBITDA | -102 806 € | -73 461 € | -32 666 € | -30 942 € | 40 429 € | 54 804 € | 105 024 € | 54 533 € | 40 289 € |
| Net margin | 505.9% | 27.7% | 38.7% | 44.3% | 41.6% | 7.1% | 18.2% | 6.2% | 1.7% |
In 2024, P.C.M FINANCES achieves revenue of 986 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +14.6%. Vs 2023, growth of +15% (854 k€ -> 986 k€). After deducting consumption (0 €), gross margin stands at 986 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 -103 k€, representing -10.4% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 5.0 M€, i.e. 505.9% of revenue. This profit can be retained or distributed to shareholders.
985 928 €
985 928 €
-102 806 €
-110 987 €
4 988 190 €
-10.4%
The debt ratio (= Financial debt / Equity x 100) stands at 31%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 72%. 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 10.1 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 15.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
30.587%
71.502%
15.258%
10.123
45.5%
In 2024, the debt ratio of P.C.M FINANCES (30.59) 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 2024, the financial autonomy of P.C.M FINANCES (71.5%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
In 2024, the repayment capacity of P.C.M FINANCES (10.12) 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 1696.44. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
1696.439
-91.271
In 2024, the liquidity ratio of P.C.M FINANCES (1696.44) 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.
In 2024, the interest coverage of P.C.M FINANCES (-91.3x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 38 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 18 days. The company must finance 20 days of gap between collections and payments. Overall, WCR represents 801 days of revenue, i.e. 2.2 M€ to permanently finance. Over 2016-2024, WCR increased by +2180%, requiring additional financing.
2 193 986 €
38 j
18 j
0 j
801 j
Based on 54 transactions of similar company sales
in 2024,
the value of P.C.M FINANCES is estimated at
3 261 318 €
(range 2 074 560€ - 15 315 695€).
The price/revenue ratio is 0.59x
(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 54 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 P.C.M FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of P.C.M FINANCES in 2024 is 986 k€.
Yes, P.C.M FINANCES generated a net profit of 5.0 M€ in 2024.
The headquarters of P.C.M FINANCES is located in BLAGNAC (31700), in the department Haute-Garonne.
The tax return of P.C.M 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).
P.C.M FINANCES operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.