POLY ASSETS MANAGEMENT - P.A.M. : revenue, balance sheet and financial ratios

POLY ASSETS MANAGEMENT - P.A.M. is a French company founded 9 years ago, specialized in the sector Gestion de fonds. Based in SAINT-GENIS-LAVAL (69230), this company of category PME shows in 2022 a revenue of 400 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - POLY ASSETS MANAGEMENT - P.A.M. (SIREN 821637865)
Indicator 2022 2021 2020 2019 2016
Revenue 400 000 € 400 000 € 320 000 € 230 000 € N/C
Net income 65 420 € 12 084 630 € 263 640 € 239 172 € 142 141 €
EBITDA -269 786 € -56 174 € 40 429 € 5 289 € -5 961 €
Net margin 16.4% 3021.2% 82.4% 104.0% N/C

Revenue and income statement

In 2022, POLY ASSETS MANAGEMENT - P.A.M. achieves revenue of 400 k€. Over the period 2019-2022, the company shows strong growth with a CAGR (compound annual growth rate) of +20.3%. Slight decline of 0% vs 2021. After deducting consumption (0 €), gross margin stands at 400 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 -270 k€, representing -67.4% of revenue. Warning negative scissor effect: despite revenue change (+0%), EBITDA varies by -380%, reducing margin by 53.4 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 65 k€, i.e. 16.4% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

400 000 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

400 000 €

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

-269 786 €

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

-268 589 €

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

65 420 €

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

-67.4%

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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 0%. 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 93%. 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 0.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 58.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

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

0.412%

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

92.586%

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

58.328%

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

0.215

Solvency indicators evolution
POLY ASSETS MANAGEMENT - P.A.M.

Sector positioning

Debt ratio
0.41 2022
2020
2021
2022
Q1: 0.01
Med: 15.73
Q3: 126.75
Good -20 pts over 3 years

In 2022, the debt ratio of POLY ASSETS MANAGEMENT - ... (0.41) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
92.59% 2022
2020
2021
2022
Q1: 12.09%
Med: 51.87%
Q3: 88.0%
Excellent +17 pts over 3 years

In 2022, the financial autonomy of POLY ASSETS MANAGEMENT - ... (92.6%) 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.

Repayment capacity
0.21 years 2022
2020
2021
2022
Q1: -0.05 years
Med: 0.0 years
Q3: 3.19 years
Average

In 2022, the repayment capacity of POLY ASSETS MANAGEMENT - ... (0.21) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 1316.59. 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

1316.588

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

-62.674

Liquidity indicators evolution
POLY ASSETS MANAGEMENT - P.A.M.

Sector positioning

Liquidity ratio
1316.59 2022
2020
2021
2022
Q1: 96.28
Med: 393.84
Q3: 2450.34
Good +32 pts over 3 years

In 2022, the liquidity ratio of POLY ASSETS MANAGEMENT - ... (1316.59) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
-62.67x 2022
2020
2021
2022
Q1: -46.6x
Med: 0.0x
Q3: 0.0x
Average -50 pts over 3 years

In 2022, the interest coverage of POLY ASSETS MANAGEMENT - ... (-62.7x) 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: 41 days. Excellent situation: suppliers finance 41 days of the operating cycle (retail model). WCR is negative (-327 days): operations structurally generate cash.

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

-362 924 €

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

41 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 in days of revenue (2022) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

-327 j

WCR and payment terms evolution
POLY ASSETS MANAGEMENT - P.A.M.

Positioning of POLY ASSETS MANAGEMENT - P.A.M. in its sector

Comparison with sector Gestion de fonds

Valuation estimate

Based on 109 transactions of similar company sales in 2022, the value of POLY ASSETS MANAGEMENT - P.A.M. is estimated at 286 255 € (range 146 560€ - 628 175€). The price/revenue ratio is 0.56x (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.

Estimated enterprise value 2022
109 transactions
146k€ 286k€ 628k€
286 255 € Range: 146 560€ - 628 175€
NAF 5 année 2022

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
400 000 € × 0.56x
Estimation 225 545 €
126 264€ - 495 596€
Net Income Multiple 20%
65 420 € × 5.8x
Estimation 377 320 €
177 005€ - 827 045€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 109 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Gestion de fonds)

Compare POLY ASSETS MANAGEMENT - P.A.M. with other companies in the same sector:

Voir toutes les statistiques du secteur Gestion de fonds

Frequently asked questions about POLY ASSETS MANAGEMENT - P.A.M.

What is the revenue of POLY ASSETS MANAGEMENT - P.A.M. ?

The revenue of POLY ASSETS MANAGEMENT - P.A.M. in 2022 is 400 k€.

Is POLY ASSETS MANAGEMENT - P.A.M. profitable?

Yes, POLY ASSETS MANAGEMENT - P.A.M. generated a net profit of 65 k€ in 2022.

Where is the headquarters of POLY ASSETS MANAGEMENT - P.A.M. ?

The headquarters of POLY ASSETS MANAGEMENT - P.A.M. is located in SAINT-GENIS-LAVAL (69230), in the department Rhone.

Where to find the tax return of POLY ASSETS MANAGEMENT - P.A.M. ?

The tax return of POLY ASSETS MANAGEMENT - P.A.M. 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 POLY ASSETS MANAGEMENT - P.A.M. operate?

POLY ASSETS MANAGEMENT - P.A.M. operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.