SIREN : 380345199
SA PAYMAL is a French company founded 35 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in CHARDOGNE (55000), this company of category PME shows in 2016 a revenue of 259€. 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
| Indicator | 2016 |
|---|---|
| Revenue | 259 € |
| Net income | 838 € |
| EBITDA | -6 044 € |
| Net margin | 323.6% |
In 2016, SA PAYMAL achieves revenue of 259 €. After deducting consumption (0 €), gross margin stands at 259 €, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -6 k€, representing -2333.6% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 838 €, i.e. 323.6% of revenue. This profit can be retained or distributed to shareholders.
259 €
259 €
-6 044 €
-8 217 €
838 €
-2333.6%
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 99%. 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 1173.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.061%
98.68%
1172.973%
0.175
72.6%
In 2016, the debt ratio of SA PAYMAL (0.06) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2016, the financial autonomy of SA PAYMAL (98.7%) 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 2016, the repayment capacity of SA PAYMAL (0.17) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
The liquidity ratio (= Current assets / Current liabilities) stands at 7836.00. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
7836.003
-1.489
In 2016, the liquidity ratio of SA PAYMAL (7836.00) 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 2016, the interest coverage of SA PAYMAL (-1.5x) 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: 49580 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 166 days. The gap of 49414 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 345989 days of revenue, i.e. 249 k€ to permanently finance.
248 920 €
49580 j
166 j
0 j
345989 j
Based on 1762 transactions of similar company sales (all years), the value of SA PAYMAL is estimated at 1 953 € (range 704€ - 4 211€). The price/revenue ratio is 0.65x (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 1762 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 SA PAYMAL with other companies in the same sector:
Voir toutes les statistiques du secteur Location de terrains et d'autres biens immobiliers
The revenue of SA PAYMAL in 2016 is 259€.
Yes, SA PAYMAL generated a net profit of 838€ in 2016.
The headquarters of SA PAYMAL is located in CHARDOGNE (55000), in the department Meuse.
The tax return of SA PAYMAL 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).
SA PAYMAL 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.