SIREN : 351639778
PGD FINANCES is a French company founded 36 years ago, specialized in the sector Activités des marchands de biens immobiliers. Based in AUTUN (71400), this company of category PME shows in 2021 a revenue of 786 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 | 2021 | 2017 | 2016 |
|---|---|---|---|
| Revenue | 786 399 € | 1 086 708 € | 858 061 € |
| Net income | -1 940 828 € | 81 192 € | 4 089 € |
| EBITDA | -46 230 € | 386 833 € | 260 779 € |
| Net margin | -246.8% | 7.5% | 0.5% |
In 2021, PGD FINANCES achieves revenue of 786 k€. Activity remains stable over the period (CAGR: -1.7%). Significant drop of -28% vs 2017. After deducting consumption (7 k€), gross margin stands at 779 k€, i.e. a rate of 99%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -46 k€, representing -5.9% of revenue. Warning negative scissor effect: despite revenue change (-28%), EBITDA varies by -112%, reducing margin by 41.5 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -1.9 M€ (-246.8% of revenue), which will impact equity.
786 399 €
778 978 €
-46 230 €
-690 403 €
-1 940 828 €
-6.0%
The debt ratio (= Financial debt / Equity x 100) stands at 93%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 48%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
92.569%
48.217%
-64.34%
-10.076
59.1%
In 2021, the debt ratio of PGD FINANCES (92.57) 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 2021, the financial autonomy of PGD FINANCES (48.2%) 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 2021, the repayment capacity of PGD FINANCES (-10.08) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 232.79. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
232.791
-3123.658
In 2021, the liquidity ratio of PGD FINANCES (232.79) 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.
In 2021, the interest coverage of PGD FINANCES (-3123.7x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 200 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 290 days. Excellent situation: suppliers finance 90 days of the operating cycle (retail model). Overall, WCR represents 343 days of revenue, i.e. 749 k€ to permanently finance. Over 2016-2021, WCR increased by +119%, requiring additional financing.
748 573 €
200 j
290 j
0 j
343 j
Indicative estimate only : the number of comparable transactions in this sector is limited (29 transactions). This range of 273 512€ to 826 107€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 29 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 PGD FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des marchands de biens immobiliers
The revenue of PGD FINANCES in 2021 is 786 k€.
PGD FINANCES recorded a net loss in 2021.
The headquarters of PGD FINANCES is located in AUTUN (71400), in the department Saone-et-Loire.
The tax return of PGD 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).
PGD FINANCES operates in the sector Activités des marchands de biens immobiliers (NAF code 68.10Z). See the 'Sector positioning' section above to compare the company with its competitors.