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.

Data updated on 2026-05-02

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

Financial history - PRAGMAA (SIREN 794851709)
Indicator 2024 2023 2020
Revenue N/C 6 518 220 € 1 933 637 €
Net income 187 429 € 294 260 € 76 417 €
EBITDA N/C 383 308 € 82 977 €
Net margin N/C 4.5% 4.0%

Revenue and income statement

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) ?
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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Assets

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Liabilities

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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) ?
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) ?
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

Sector positioning

Debt ratio
86.79 2024
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 years 2023
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) ?
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

Sector positioning

Liquidity ratio
223.25 2024
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
1.14x 2023
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) ?
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) ?
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) ?
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) ?
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

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 value 2024
Indicative
807k€ 1416k€ 3662k€
1 416 183 € Range: 807 365€ - 3 662 036€
NAF 5 année 2024

Valuation evolution

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:

Frequently asked questions about PRAGMAA

What is the revenue of PRAGMAA ?

The revenue of PRAGMAA in 2023 is 6.5 M€.

Is PRAGMAA profitable?

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.