SIREN : 429174121
BANIC is a French company founded 26 years ago, specialized in the sector Gestion de fonds. Based in BEUZEVILLE (27210), this company of category PME shows in 2020 a revenue of 2.0 M€. 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 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|
| Revenue | 1 963 156 € | 1 715 890 € | 1 702 842 € | N/C |
| Net income | 491 605 € | 557 654 € | 442 309 € | 408 801 € |
| EBITDA | 281 697 € | 143 563 € | -41 418 € | N/C |
| Net margin | 25.0% | 32.5% | 26.0% | N/C |
In 2020, BANIC achieves revenue of 2.0 M€. Over the period 2018-2020, the company shows strong growth with a CAGR (compound annual growth rate) of +7.4%. Vs 2019, growth of +14% (1.7 M€ -> 2.0 M€). After deducting consumption (450 k€), gross margin stands at 1.5 M€, i.e. a rate of 77%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 282 k€, representing 14.3% of revenue. Positive scissor effect: EBITDA margin improves by +6.0 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 492 k€, i.e. 25.0% of revenue. This profit can be retained or distributed to shareholders.
1 963 156 €
1 513 108 €
281 697 €
237 296 €
491 605 €
14.3%
The debt ratio (= Financial debt / Equity x 100) stands at 1%. 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 91%. 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 0.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 34.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.949%
90.94%
34.533%
0.066
44.9%
In 2020, the debt ratio of BANIC (0.95) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2020, the financial autonomy of BANIC (90.9%) 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 2020, the repayment capacity of BANIC (0.07) 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 712.56. 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 46.7x. Operating income very largely covers interest expenses: high safety margin.
712.559
46.72
In 2020, the liquidity ratio of BANIC (712.56) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2020, the interest coverage of BANIC (46.7x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 52 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 128 days. Excellent situation: suppliers finance 76 days of the operating cycle (retail model). Inventory turnover is 24 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 181 days of revenue, i.e. 987 k€ to permanently finance.
986 780 €
52 j
128 j
24 j
181 j
Based on 54 transactions of similar company sales
in 2020,
the value of BANIC is estimated at
1 718 818 €
(range 824 099€ - 3 211 750€).
With an EBITDA of 281 697€, the sector multiple of 4.2x is applied.
The price/revenue ratio is 0.66x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 54 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 BANIC with other companies in the same sector:
The revenue of BANIC in 2020 is 2.0 M€.
Yes, BANIC generated a net profit of 492 k€ in 2020.
The headquarters of BANIC is located in BEUZEVILLE (27210), in the department Eure.
The tax return of BANIC 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).
BANIC operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.