W.A.G. PAYMENT SOLUTIONS FR : revenue, balance sheet and financial ratios

W.A.G. PAYMENT SOLUTIONS FR is a French company founded 9 years ago, specialized in the sector Autres intermédiaires du commerce en combustibles, métaux, minéraux et produits chimiques. Based in MONTPELLIER (34000), this company of category PME shows in 2024 a revenue of 45.5 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

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

Financial history - W.A.G. PAYMENT SOLUTIONS FR (SIREN 824454128)
Indicator 2024 2023 2022 2021 2020 2019 2017
Revenue 45 531 869 € 14 743 634 € 15 946 378 € 32 688 540 € 53 761 174 € 22 117 571 € N/C
Net income 28 767 € 13 662 € -8 731 € -14 472 € -30 667 € 9 968 € -7 496 €
EBITDA 25 789 € 9 245 € 10 732 € -10 036 € -22 160 € 15 893 € -7 370 €
Net margin 0.1% 0.1% -0.1% -0.0% -0.1% 0.0% N/C

Revenue and income statement

In 2024, W.A.G. PAYMENT SOLUTIONS FR achieves revenue of 45.5 M€. Over the period 2019-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +15.5%. Vs 2023, growth of +209% (14.7 M€ -> 45.5 M€). After deducting consumption (0 €), gross margin stands at 45.5 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 26 k€, representing 0.1% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 29 k€, i.e. 0.1% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

45 531 869 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

45 531 869 €

EBITDA (2024) ?
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

25 789 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

25 757 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

28 767 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

0.1%

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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 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 0.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

0.0%

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

0.22%

Cash flow / Revenue (2024) ?
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

0.063%

Repayment capacity (2024) ?
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

0.0

Solvency indicators evolution
W.A.G. PAYMENT SOLUTIONS FR

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 0.32
Q3: 24.28
Excellent

In 2024, the debt ratio of W.A.G. PAYMENT SOLUTIONS FR (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
0.22% 2024
2022
2023
2024
Q1: 12.8%
Med: 44.41%
Q3: 74.53%
Average

In 2024, the financial autonomy of W.A.G. PAYMENT SOLUTIONS FR (0.2%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
0.0 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 0.65 years
Excellent

In 2024, the repayment capacity of W.A.G. PAYMENT SOLUTIONS FR (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 100.22. 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 0.0x. Danger: operating income does not cover interest charges, unsustainable situation.

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

100.219

Interest coverage (2024) ?
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

0.039

Liquidity indicators evolution
W.A.G. PAYMENT SOLUTIONS FR

Sector positioning

Liquidity ratio
100.22 2024
2022
2023
2024
Q1: 132.32
Med: 209.15
Q3: 511.28
Watch

In 2024, the liquidity ratio of W.A.G. PAYMENT SOLUTIONS FR (100.22) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
0.04x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.02x
Q3: 2.34x
Good -26 pts over 3 years

In 2024, the interest coverage of W.A.G. PAYMENT SOLUTIONS FR (0.0x) 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. Average customer payment term: 63 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 56 days. The company must finance 7 days of gap between collections and payments. Overall, WCR represents 66 days of revenue, i.e. 8.3 M€ to permanently finance.

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

8 304 102 €

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

63 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

56 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 in days of revenue (2024) ?
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

66 j

WCR and payment terms evolution
W.A.G. PAYMENT SOLUTIONS FR

Positioning of W.A.G. PAYMENT SOLUTIONS FR in its sector

Comparison with sector Autres intermédiaires du commerce en combustibles, métaux, minéraux et produits chimiques

Valuation estimate

Based on 229 transactions of similar company sales (all years), the value of W.A.G. PAYMENT SOLUTIONS FR is estimated at 4 460 270 € (range 2 087 855€ - 10 946 385€). With an EBITDA of 25 789€, the sector multiple of 1.6x is applied. The price/revenue ratio is 0.32x (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.

Estimated enterprise value 2024
229 transactions
2087k€ 4460k€ 10946k€
4 460 270 € Range: 2 087 855€ - 10 946 385€
NAF 4 all-time Aggregated at NAF sub-class level

Valuation detail by method

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EBITDA Multiple 50%
25 789 € × 1.6x
Estimation 41 893 €
13 672€ - 139 081€
Revenue Multiple 30%
45 531 869 € × 0.32x
Estimation 14 765 374 €
6 923 323€ - 36 124 749€
Net Income Multiple 20%
28 767 € × 1.7x
Estimation 48 557 €
20 114€ - 197 102€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 229 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 (Autres intermédiaires du commerce en combustibles, métaux, minéraux et produits chimiques)

Compare W.A.G. PAYMENT SOLUTIONS FR with other companies in the same sector:

Voir toutes les statistiques du secteur Autres intermédiaires du commerce en combustibles, métaux, minéraux et produits chimiques

Frequently asked questions about W.A.G. PAYMENT SOLUTIONS FR

What is the revenue of W.A.G. PAYMENT SOLUTIONS FR ?

The revenue of W.A.G. PAYMENT SOLUTIONS FR in 2024 is 45.5 M€.

Is W.A.G. PAYMENT SOLUTIONS FR profitable?

Yes, W.A.G. PAYMENT SOLUTIONS FR generated a net profit of 29 k€ in 2024.

Where is the headquarters of W.A.G. PAYMENT SOLUTIONS FR ?

The headquarters of W.A.G. PAYMENT SOLUTIONS FR is located in MONTPELLIER (34000), in the department Herault.

Where to find the tax return of W.A.G. PAYMENT SOLUTIONS FR ?

The tax return of W.A.G. PAYMENT SOLUTIONS FR 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 W.A.G. PAYMENT SOLUTIONS FR operate?

W.A.G. PAYMENT SOLUTIONS FR operates in the sector Autres intermédiaires du commerce en combustibles, métaux, minéraux et produits chimiques (NAF code 46.12B). See the 'Sector positioning' section above to compare the company with its competitors.