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PENISSON MICHAEL : revenue, balance sheet and financial ratios

PENISSON MICHAEL is a French company founded 9 years ago, specialized in the sector Transports routiers de fret interurbains. Based in SAINT-AIGNAN-GRANDLIEU (44860), this company of category PME shows in 2022 a revenue of 892 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

Financial history - PENISSON MICHAEL (SIREN 821661162)
Indicator 2024 2022 2020
Revenue N/C 891 927 € N/C
Net income 113 650 € 43 487 € 83 959 €
EBITDA N/C 121 489 € N/C
Net margin N/C 4.9% N/C

Revenue and income statement

In 2024, PENISSON MICHAEL generates positive net income of 114 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2020-2024: 84 k€ -> 114 k€.

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

113 650 €

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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 100%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 23%. The balance between equity and debt is satisfactory.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

100.401%

Financial autonomy (2024) ?
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

22.572%

Asset age ratio (2024) ?
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

23.0%

Solvency indicators evolution
PENISSON MICHAEL

Sector positioning

Debt ratio
100.4 2024
2020
2022
2024
Q1: 3.42
Med: 30.72
Q3: 89.85
Average +40 pts over 3 years

In 2024, the debt ratio of PENISSON MICHAEL (100.40) 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
22.57% 2024
2020
2022
2024
Q1: 17.96%
Med: 34.26%
Q3: 52.09%
Average -34 pts over 3 years

In 2024, the financial autonomy of PENISSON MICHAEL (22.6%) 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
0.81 years 2022
2022
Q1: 0.0 years
Med: 0.26 years
Q3: 2.26 years
Average

In 2022, the repayment capacity of PENISSON MICHAEL (0.81) 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 112.26. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
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

112.259

Liquidity indicators evolution
PENISSON MICHAEL

Sector positioning

Liquidity ratio
112.26 2024
2020
2022
2024
Q1: 122.42
Med: 168.88
Q3: 241.43
Watch

In 2024, the liquidity ratio of PENISSON MICHAEL (112.26) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
0.09x 2022
2022
Q1: 0.0x
Med: 0.18x
Q3: 2.3x
Average

In 2022, the interest coverage of PENISSON MICHAEL (0.1x) 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.

Operating WCR (2024) ?
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 (2024) ?
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 (2024) ?
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 (2024) ?
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
PENISSON MICHAEL

Positioning of PENISSON MICHAEL in its sector

Comparison with sector Transports routiers de fret interurbains

Valuation estimate

Based on 71 transactions of similar company sales in 2024, the value of PENISSON MICHAEL is estimated at 384 297 € (range 49 861€ - 1 049 115€). 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 2024
71 tx
49k€ 384k€ 1049k€
384 297 € Range: 49 861€ - 1 049 115€
NAF 5 année 2024

Valuation method used

Net Income Multiple
113 650 € × 3.4x = 384 298 €
Range: 49 861€ - 1 049 115€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 71 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 (Transports routiers de fret interurbains)

Compare PENISSON MICHAEL with other companies in the same sector:

Voir toutes les statistiques du secteur Transports routiers de fret interurbains

Frequently asked questions about PENISSON MICHAEL

What is the revenue of PENISSON MICHAEL ?

The revenue of PENISSON MICHAEL in 2022 is 892 k€.

Is PENISSON MICHAEL profitable?

Yes, PENISSON MICHAEL generated a net profit of 114 k€ in 2024.

Where is the headquarters of PENISSON MICHAEL ?

The headquarters of PENISSON MICHAEL is located in SAINT-AIGNAN-GRANDLIEU (44860), in the department Loire-Atlantique.

Where to find the tax return of PENISSON MICHAEL ?

The tax return of PENISSON MICHAEL 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 PENISSON MICHAEL operate?

PENISSON MICHAEL operates in the sector Transports routiers de fret interurbains (NAF code 49.41A). See the 'Sector positioning' section above to compare the company with its competitors.