PERTINEO GROUP : revenue, balance sheet and financial ratios

PERTINEO GROUP is a French company founded 29 years ago, specialized in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.. Based in SAINT-DENIS (93210), this company of category PME shows in 2022 a revenue of 842 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 - PERTINEO GROUP (SIREN 408065829)
Indicator 2024 2022 2021 2018 2017 2016 2015
Revenue N/C 841 833 € 900 417 € N/C N/C N/C N/C
Net income 62 371 € -149 826 € -40 941 € -20 486 € -10 360 € -6 770 € -6 415 €
EBITDA N/C -144 568 € -50 663 € -15 479 € -8 082 € -2 367 € -2 559 €
Net margin N/C -17.8% -4.5% N/C N/C N/C N/C

Revenue and income statement

In 2024, PERTINEO GROUP generates positive net income of 62 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax.

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

62 371 €

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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 -93%. 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 -11%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

-93.027%

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

-10.572%

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

68.3%

Solvency indicators evolution
PERTINEO GROUP

Sector positioning

Debt ratio
-93.03 2024
2021
2022
2024
Q1: 0.0
Med: 3.37
Q3: 50.52
Excellent -50 pts over 3 years

In 2024, the debt ratio of PERTINEO GROUP (-93.03) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
-10.57% 2024
2021
2022
2024
Q1: 2.67%
Med: 40.69%
Q3: 75.63%
Average

In 2024, the financial autonomy of PERTINEO GROUP (-10.6%) 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
-2.75 years 2022
2021
2022
Q1: 0.0 years
Med: 0.0 years
Q3: 1.59 years
Excellent

In 2022, the repayment capacity of PERTINEO GROUP (-2.75) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 45.81. 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

45.81

Liquidity indicators evolution
PERTINEO GROUP

Sector positioning

Liquidity ratio
45.81 2024
2021
2022
2024
Q1: 139.62
Med: 325.32
Q3: 1062.61
Watch -9 pts over 3 years

In 2024, the liquidity ratio of PERTINEO GROUP (45.81) 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
-4.02x 2022
2021
2022
Q1: 0.0x
Med: 0.0x
Q3: 0.91x
Average

In 2022, the interest coverage of PERTINEO GROUP (-4.0x) 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
PERTINEO GROUP

Positioning of PERTINEO GROUP in its sector

Comparison with sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Valuation estimate

Based on 103 transactions of similar company sales (all years), the value of PERTINEO GROUP is estimated at 208 711 € (range 76 455€ - 536 548€). 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.

Estimated enterprise value 2024
103 transactions
76k€ 208k€ 536k€
208 711 € Range: 76 455€ - 536 548€
NAF 5 all-time

Valuation method used

Net Income Multiple
62 371 € × 3.3x = 208 711 €
Range: 76 456€ - 536 548€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 103 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 (Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.)

Compare PERTINEO GROUP with other companies in the same sector:

Voir toutes les statistiques du secteur Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Frequently asked questions about PERTINEO GROUP

What is the revenue of PERTINEO GROUP ?

The revenue of PERTINEO GROUP in 2022 is 842 k€.

Is PERTINEO GROUP profitable?

Yes, PERTINEO GROUP generated a net profit of 62 k€ in 2024.

Where is the headquarters of PERTINEO GROUP ?

The headquarters of PERTINEO GROUP is located in SAINT-DENIS (93210), in the department Seine-Saint-Denis.

Where to find the tax return of PERTINEO GROUP ?

The tax return of PERTINEO GROUP 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 PERTINEO GROUP operate?

PERTINEO GROUP operates in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a. (NAF code 66.19B). See the 'Sector positioning' section above to compare the company with its competitors.