SIREN : 534779327
PN FINANCE is a French company founded 14 years ago, specialized in the sector Conseil pour les affaires et autres conseils de gestion. Based in COURBEVOIE (92400), this company of category PME shows in 2019 a revenue of 156 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-11
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2019 | 2018 | 2017 |
|---|---|---|---|
| Revenue | 156 166 € | 123 594 € | 130 244 € |
| Net income | 24 620 € | 4 830 € | -4 695 € |
| EBITDA | 29 398 € | 6 169 € | -4 078 € |
| Net margin | 15.8% | 3.9% | -3.6% |
In 2019, PN FINANCE achieves revenue of 156 k€. Over the period 2017-2019, the company shows strong growth with a CAGR (compound annual growth rate) of +9.5%. Vs 2018, growth of +26% (124 k€ -> 156 k€). After deducting consumption (0 €), gross margin stands at 156 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 18.8% of revenue. Positive scissor effect: EBITDA margin improves by +13.8 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 25 k€, i.e. 15.8% of revenue. This profit can be retained or distributed to shareholders.
156 166 €
156 166 €
29 398 €
28 846 €
24 620 €
18.8%
The debt ratio (= Financial debt / Equity x 100) stands at 2%. 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 88%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 16.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
1.888%
88.155%
16.073%
0.119
32.9%
In 2019, the debt ratio of PN FINANCE (1.89) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2019, the financial autonomy of PN FINANCE (88.2%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2019, the repayment capacity of PN FINANCE (0.12) 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 1065.87. 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 0.1x. Danger: operating income does not cover interest charges, unsustainable situation.
1065.865
0.126
In 2019, the liquidity ratio of PN FINANCE (1065.87) 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 2019, the interest coverage of PN FINANCE (0.1x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 98 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 54 days. The gap of 44 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 129 days of revenue, i.e. 56 k€ to permanently finance. Over 2017-2019, WCR increased by +55%, requiring additional financing.
55 981 €
98 j
54 j
0 j
129 j
Based on 73 transactions of similar company sales
in 2019,
the value of PN FINANCE is estimated at
90 422 €
(range 50 724€ - 187 311€).
With an EBITDA of 29 398€, the sector multiple of 3.3x is applied.
The price/revenue ratio is 0.48x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 73 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 PN FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Conseil pour les affaires et autres conseils de gestion
The revenue of PN FINANCE in 2019 is 156 k€.
Yes, PN FINANCE generated a net profit of 25 k€ in 2019.
The headquarters of PN FINANCE is located in COURBEVOIE (92400), in the department Hauts-de-Seine.
The tax return of PN 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).
PN FINANCE operates in the sector Conseil pour les affaires et autres conseils de gestion (NAF code 70.22Z). See the 'Sector positioning' section above to compare the company with its competitors.