SIREN : 498815927
B G FINANCES is a French company founded 18 years ago, specialized in the sector Gestion de fonds. Based in MAINVILLIERS (28300), this company of category PME shows in 2022 a revenue of 318 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
| Indicator | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 317 754 € | 269 457 € | 254 560 € | 357 555 € | 325 990 € | 311 321 € | 337 830 € |
| Net income | 151 755 € | 116 526 € | 79 213 € | 11 722 € | -2 810 € | -139 573 € | -186 574 € |
| EBITDA | -6 932 € | 7 147 € | -1 973 € | 15 843 € | 3 020 € | 1 303 € | 5 181 € |
| Net margin | 47.8% | 43.2% | 31.1% | 3.3% | -0.9% | -44.8% | -55.2% |
In 2022, B G FINANCES achieves revenue of 318 k€. Activity remains stable over the period (CAGR: -1.0%). Vs 2021, growth of +18% (269 k€ -> 318 k€). After deducting consumption (0 €), gross margin stands at 318 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 -7 k€, representing -2.2% of revenue. Warning negative scissor effect: despite revenue change (+18%), EBITDA varies by -197%, reducing margin by 4.8 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 152 k€, i.e. 47.8% of revenue. This profit can be retained or distributed to shareholders.
317 754 €
317 754 €
-6 932 €
2 907 €
151 755 €
-2.2%
The debt ratio (= Financial debt / Equity x 100) stands at 15%. 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 70%. 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 0.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 44.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
15.491%
69.692%
44.662%
0.601
100.0%
In 2022, the debt ratio of B G FINANCES (15.49) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2022, the financial autonomy of B G FINANCES (69.7%) 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.
In 2022, the repayment capacity of B G FINANCES (0.60) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 183.56. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
183.563
0.0
In 2022, the liquidity ratio of B G FINANCES (183.56) 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.
In 2022, the interest coverage of B G FINANCES (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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 84 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 160 days. Excellent situation: suppliers finance 76 days of the operating cycle (retail model). Overall, WCR represents 24 days of revenue, i.e. 21 k€ to permanently finance. Notable WCR improvement over the period (-90%), freeing up cash.
21 296 €
84 j
160 j
0 j
24 j
Based on 109 transactions of similar company sales in 2022, the value of B G FINANCES is estimated at 457 609 € (range 224 420€ - 1 003 615€). 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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare B G FINANCES with other companies in the same sector:
The revenue of B G FINANCES in 2022 is 318 k€.
Yes, B G FINANCES generated a net profit of 152 k€ in 2022.
The headquarters of B G FINANCES is located in MAINVILLIERS (28300), in the department Eure-et-Loir.
The tax return of B G FINANCES 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).
B G FINANCES operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.