SIREN : 499081784
P.I.V.A. FINANCE is a French company founded 18 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in LAVAUR (81500), this company of category PME shows in 2024 a revenue of 231 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 |
|---|---|---|---|
| Revenue | 231 059 € | 244 785 € | 205 101 € |
| Net income | 10 290 € | -59 431 € | 24 356 € |
| EBITDA | -28 781 € | -28 274 € | -3 628 € |
| Net margin | 4.5% | -24.3% | 11.9% |
In 2024, P.I.V.A. FINANCE achieves revenue of 231 k€. Over the period 2022-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +6.1%. Slight decline of -6% vs 2023. After deducting consumption (0 €), gross margin stands at 231 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -29 k€, representing -12.5% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 10 k€, i.e. 4.5% of revenue. This profit can be retained or distributed to shareholders.
231 059 €
231 059 €
-28 781 €
-42 388 €
10 290 €
-12.5%
The debt ratio (= Financial debt / Equity x 100) stands at 4%. 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 4%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 10.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
4.049%
3.821%
10.29%
2.346
43.6%
In 2024, the debt ratio of P.I.V.A. FINANCE (4.05) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of P.I.V.A. FINANCE (3.8%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of P.I.V.A. FINANCE (2.35) 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 1985.37. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
1985.367
-4.128
In 2024, the liquidity ratio of P.I.V.A. FINANCE (1985.37) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2024, the interest coverage of P.I.V.A. FINANCE (-4.1x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 133 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 16 days. The gap of 117 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 1571 days of revenue, i.e. 1.0 M€ to permanently finance.
1 008 547 €
133 j
16 j
0 j
1571 j
Based on 169 transactions of similar company sales in 2024, the value of P.I.V.A. FINANCE is estimated at 139 874 € (range 51 165€ - 259 418€). The price/revenue ratio is 0.81x (in line with sector norms). 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 169 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 P.I.V.A. FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Location de terrains et d'autres biens immobiliers
The revenue of P.I.V.A. FINANCE in 2024 is 231 k€.
Yes, P.I.V.A. FINANCE generated a net profit of 10 k€ in 2024.
The headquarters of P.I.V.A. FINANCE is located in LAVAUR (81500), in the department Tarn.
The tax return of P.I.V.A. FINANCE 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).
P.I.V.A. FINANCE operates in the sector Location de terrains et d'autres biens immobiliers (NAF code 68.20B). See the 'Sector positioning' section above to compare the company with its competitors.