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PIONEER INTERMEDIARY EUROPE SERVICES : revenue, balance sheet and financial ratios

PIONEER INTERMEDIARY EUROPE SERVICES is a French company founded 5 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75008), this company of category PME shows in 2022 a net income negative of -15 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 - PIONEER INTERMEDIARY EUROPE SERVICES (SIREN 897713947)
Indicator 2022
Revenue N/C
Net income -14 778 €
EBITDA -4 107 830 €
Net margin N/C

Revenue and income statement

In 2022, PIONEER INTERMEDIARY EUROPE SERVICES records a net loss of 15 k€. This deficit will reduce equity on the balance sheet.

EBITDA (2022) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

-4 107 830 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

108 498 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-14 778 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-51347.9%

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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 -3512%. 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 -2%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

-3511.802%

Financial autonomy (2022) ?
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

-1.58%

Cash flow / Revenue (2022) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

-51494.313%

Repayment capacity (2022) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

-1.133

Asset age ratio (2022) ?
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

63.3%

Solvency indicators evolution
PIONEER INTERMEDIARY EUROPE SERVICES

Sector positioning

Debt ratio
-3511.8 2022
2022
Q1: 0.03
Med: 12.59
Q3: 62.99
Excellent

In 2022, the debt ratio of PIONEER INTERMEDIARY EURO... (-3511.80) 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
-1.58% 2022
2022
Q1: 17.63%
Med: 47.05%
Q3: 73.71%
Average

In 2022, the financial autonomy of PIONEER INTERMEDIARY EURO... (-1.6%) 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
-1.13 years 2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Excellent

In 2022, the repayment capacity of PIONEER INTERMEDIARY EURO... (-1.13) 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 232.29. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2022) ?
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

232.294

Interest coverage (2022) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

-0.013

Liquidity indicators evolution
PIONEER INTERMEDIARY EUROPE SERVICES

Sector positioning

Liquidity ratio
232.29 2022
2022
Q1: 118.8
Med: 232.85
Q3: 512.2
Average

In 2022, the liquidity ratio of PIONEER INTERMEDIARY EURO... (232.29) 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.

Interest coverage
-0.01x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.09x
Average

In 2022, the interest coverage of PIONEER INTERMEDIARY EURO... (-0.0x) 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. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 83 days. Excellent situation: suppliers finance 83 days of the operating cycle (retail model).

Operating WCR (2022) ?
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 (2022) ?
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 (2022) ?
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

83 j

Inventory turnover (2022) ?
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
PIONEER INTERMEDIARY EUROPE SERVICES

Positioning of PIONEER INTERMEDIARY EUROPE SERVICES in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Similar companies (Activités des agents et courtiers d'assurances)

Compare PIONEER INTERMEDIARY EUROPE SERVICES with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about PIONEER INTERMEDIARY EUROPE SERVICES

What is the revenue of PIONEER INTERMEDIARY EUROPE SERVICES ?

The revenue of PIONEER INTERMEDIARY EUROPE SERVICES is not publicly disclosed (confidential accounts filed with INPI).

Is PIONEER INTERMEDIARY EUROPE SERVICES profitable?

PIONEER INTERMEDIARY EUROPE SERVICES recorded a net loss in 2022.

Where is the headquarters of PIONEER INTERMEDIARY EUROPE SERVICES ?

The headquarters of PIONEER INTERMEDIARY EUROPE SERVICES is located in PARIS (75008), in the department Paris.

Where to find the tax return of PIONEER INTERMEDIARY EUROPE SERVICES ?

The tax return of PIONEER INTERMEDIARY EUROPE SERVICES 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 PIONEER INTERMEDIARY EUROPE SERVICES operate?

PIONEER INTERMEDIARY EUROPE SERVICES operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.