SIREN : 879695864
PFM DES SAVOIE is a French company founded 6 years ago, specialized in the sector Services funéraires. Based in GRENOBLE (38100), this company of category PME shows in 2022 a revenue of 316 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-09
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2022 |
|---|---|
| Revenue | 315 737 € |
| Net income | 24 255 € |
| EBITDA | 22 626 € |
| Net margin | 7.7% |
In 2022, PFM DES SAVOIE achieves revenue of 316 k€. After deducting consumption (55 k€), gross margin stands at 261 k€, i.e. a rate of 83%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 23 k€, representing 7.2% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 24 k€, i.e. 7.7% of revenue. This profit can be retained or distributed to shareholders.
315 737 €
261 095 €
22 626 €
25 056 €
24 255 €
7.2%
The debt ratio (= Financial debt / Equity x 100) stands at 159%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 12%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 6.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
159.424%
12.392%
6.647%
2.07
49.1%
In 2022, the debt ratio of PFM DES SAVOIE (159.42) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2022, the financial autonomy of PFM DES SAVOIE (12.4%) ranks in the bottom 25% of the sector. This ratio represents the share of equity in total financing. Low autonomy may limit investment capacity and increase vulnerability.
In 2022, the repayment capacity of PFM DES SAVOIE (2.07) 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 139.12. 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 0.4x. Danger: operating income does not cover interest charges, unsustainable situation.
139.119
0.429
In 2022, the liquidity ratio of PFM DES SAVOIE (139.12) 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.
In 2022, the interest coverage of PFM DES SAVOIE (0.4x) 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: 160 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 120 days. The gap of 40 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Inventory turnover is 31 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 158 days of revenue, i.e. 138 k€ to permanently finance.
138 381 €
160 j
120 j
31 j
158 j
Based on 108 transactions of similar company sales (all years), the value of PFM DES SAVOIE is estimated at 76 758 € (range 29 638€ - 153 694€). With an EBITDA of 22 626€, the sector multiple of 2.4x is applied. The price/revenue ratio is 0.36x (conservative valuation). 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.
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This estimate is based on the analysis of 108 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 PFM DES SAVOIE with other companies in the same sector:
The revenue of PFM DES SAVOIE in 2022 is 316 k€.
Yes, PFM DES SAVOIE generated a net profit of 24 k€ in 2022.
The headquarters of PFM DES SAVOIE is located in GRENOBLE (38100), in the department Isere.
The tax return of PFM DES SAVOIE 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).
PFM DES SAVOIE operates in the sector Services funéraires (NAF code 96.03Z). See the 'Sector positioning' section above to compare the company with its competitors.