Employees: NN (None)Legal category: SCA (commandite par actions)Size: PMECreation date: 2013-09-02 (12 years)Status: ActiveBusiness sector: Activités des marchands de biens immobiliersLocation: VITRE (35500), Ille-et-Vilaine
PRAGMAA : revenue, balance sheet and financial ratios
PRAGMAA is a French company
founded 12 years ago,
specialized in the sector Activités des marchands de biens immobiliers.
Based in VITRE (35500),
this company of category PME
shows in 2023 a revenue of 6.5 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
In 2024, PRAGMAA generates positive net income of 187 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2020-2024: 76 k€ -> 187 k€.
Net income (2024)
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Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
187 429 €
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 87%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 30%. The balance between equity and debt is satisfactory.
Debt ratio (2024)
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Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
86.791%
Financial autonomy (2024)
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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
29.555%
Solvency indicators evolution PRAGMAA
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2020
2023
2024
Debt ratio
75.045
1.201
86.791
Financial autonomy
29.526
6.761
29.555
Repayment capacity
0.0
0.014
None
Cash flow / Revenue
3.966%
4.514%
None%
Sector positioning
Debt ratio
86.792024
2020
2023
2024
Q1: 0.0
Med: 5.94
Q3: 188.9
Average+5 pts over 3 years
In 2024, the debt ratio of PRAGMAA (86.79) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
Financial autonomy
29.55%2024
2020
2023
2024
Q1: 0.0%
Med: 12.3%
Q3: 57.41%
Good+6 pts over 3 years
In 2024, the financial autonomy of PRAGMAA (29.6%) 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.
Repayment capacity
0.01 years2023
2020
2023
Q1: -7.1 years
Med: 0.0 years
Q3: 2.61 years
Average
In 2023, the repayment capacity of PRAGMAA (0.01) 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 223.25. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquidity ratio (2024)
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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
223.247
Liquidity indicators evolution PRAGMAA
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2020
2023
2024
Liquidity ratio
141.896
107.344
223.247
Interest coverage
0.689
1.142
None
Sector positioning
Liquidity ratio
223.252024
2020
2023
2024
Q1: 148.32
Med: 585.43
Q3: 3614.66
Average
In 2024, the liquidity ratio of PRAGMAA (223.25) 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
1.14x2023
2020
2023
Q1: -5.83x
Med: 0.0x
Q3: 5.4x
Good
In 2023, the interest coverage of PRAGMAA (1.1x) 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) and payment terms
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.
Operating WCR (2024)
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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 (2024)
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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 (2024)
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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
0 j
Inventory turnover (2024)
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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 PRAGMAA
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2020
2023
2024
Operating WCR
433 425 €
1 337 213 €
0 €
Inventory turnover (days)
70
206
0
Customer payment term (days)
0
0
0
Supplier payment term (days)
247
104
0
Positioning of PRAGMAA in its sector
Comparison with sector Activités des marchands de biens immobiliers
Valuation estimate
Indicative estimate only : the number of comparable transactions in this sector is limited (22 transactions).
This range of 807 365€ to 3 662 036€ is provided for information purposes only and requires in-depth analysis to be confirmed.
Estimated enterprise value2024
Indicative
807k€1416k€3662k€
1 416 183 €Range: 807 365€ - 3 662 036€
NAF 5 année 2024
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
How is this estimate calculated?
This estimate is based on the analysis of 22 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 (Activités des marchands de biens immobiliers)
Compare PRAGMAA with other companies in the same sector:
Yes, PRAGMAA generated a net profit of 187 k€ in 2024.
Where is the headquarters of PRAGMAA ?
The headquarters of PRAGMAA is located in VITRE (35500), in the department Ille-et-Vilaine.
Where to find the tax return of PRAGMAA ?
The tax return of PRAGMAA 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 PRAGMAA operate?
PRAGMAA 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.
Item evolution
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