Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.

BANQUE POPULAIRE BOURGOGNE FRANCHE-COMTE : revenue, balance sheet and financial ratios

BANQUE POPULAIRE BOURGOGNE FRANCHE-COMTE is a French company founded 84 years ago, specialized in the sector Autres intermédiations monétaires. Based in DIJON (21000), this company of category GE shows in 2021 a revenue of 395.1 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 - BANQUE POPULAIRE BOURGOGNE FRANCHE-COMTE (SIREN 542820352)
Indicator 2021 2020 2019 2018
Revenue 395 125 000 € N/C N/C N/C
Net income 113 767 000 € 72 111 000 € 0 € 79 075 000 €
EBITDA 395 125 000 € N/C N/C N/C
Net margin 28.8% N/C N/C N/C

Revenue and income statement

In 2021, BANQUE POPULAIRE BOURGOGNE FRANCHE-COMTE achieves revenue of 395.1 M€. After deducting consumption (0 €), gross margin stands at 395.1 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 395.1 M€, representing 100.0% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 113.8 M€, i.e. 28.8% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2021) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

395 125 000 €

Gross margin (2021) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

395 125 000 €

EBITDA (2021) ?
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

395 125 000 €

EBIT (2021) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

114 110 000 €

Net income (2021) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

113 767 000 €

EBITDA margin (2021) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

100.0%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

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 9%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 39.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2021) ?
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 (2021) ?
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

8.834%

Cash flow / Revenue (2021) ?
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

39.363%

Repayment capacity (2021) ?
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
BANQUE POPULAIRE BOURGOGNE FRANCHE-COMTE

Sector positioning

Debt ratio
0.0 2021
2019
2021
Q1: 0.0
Med: 17.91
Q3: 466.65
Excellent

In 2021, the debt ratio of BANQUE POPULAIRE BOURGOGN... (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
8.83% 2021
2019
2020
2021
Q1: 4.91%
Med: 9.53%
Q3: 41.18%
Average

In 2021, the financial autonomy of BANQUE POPULAIRE BOURGOGN... (8.8%) 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 2021
2019
2020
2021
Q1: 0.0 years
Med: 0.0 years
Q3: 43.12 years
Excellent

In 2021, the repayment capacity of BANQUE POPULAIRE BOURGOGN... (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 0.00. Alert: short-term debt exceeds current assets. Risk of payment difficulties without cash reinforcement. The interest coverage ratio (= EBIT / Interest expenses) is 0.1x. Danger: operating income does not cover interest charges, unsustainable situation.

Liquidity ratio (2021) ?
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

0.0

Interest coverage (2021) ?
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

0.087

Liquidity indicators evolution
BANQUE POPULAIRE BOURGOGNE FRANCHE-COMTE

Sector positioning

Liquidity ratio
0.0 2021
2021
Q1: 0.0
Med: 91.08
Q3: 356.6
Watch

In 2021, the liquidity ratio of BANQUE POPULAIRE BOURGOGN... (0.00) 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
0.09x 2021
2021
Q1: -0.37x
Med: 0.0x
Q3: 0.0x
Excellent

In 2021, the interest coverage of BANQUE POPULAIRE BOURGOGN... (0.1x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Overall, WCR represents 1800 days of revenue, i.e. 2.0 Bn€ to permanently finance.

Operating WCR (2021) ?
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

1 975 530 170 €

Customer credit (2021) ?
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 (2021) ?
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 (2021) ?
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 (2021) ?
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

1800 j

WCR and payment terms evolution
BANQUE POPULAIRE BOURGOGNE FRANCHE-COMTE

Positioning of BANQUE POPULAIRE BOURGOGNE FRANCHE-COMTE in its sector

Comparison with sector Autres intermédiations monétaires

Valuation estimate

Based on 129 transactions of similar company sales in 2021, the value of BANQUE POPULAIRE BOURGOGNE FRANCHE-COMTE is estimated at 1 028 315 388 € (range 543 936 599€ - 1 950 765 350€). With an EBITDA of 395 125 000€, the sector multiple of 4.3x is applied. The price/revenue ratio is 0.43x (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 2021
129 transactions
543936k€ 1028315k€ 1950765k€
1 028 315 388 € Range: 543 936 599€ - 1 950 765 350€
Section année 2021 Aggregated at NAF section level

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
395 125 000 € × 4.3x
Estimation 1 699 170 035 €
969 541 491€ - 3 009 281 015€
Revenue Multiple 30%
395 125 000 € × 0.43x
Estimation 171 434 020 €
87 797 919€ - 384 903 752€
Net Income Multiple 20%
113 767 000 € × 5.6x
Estimation 636 500 824 €
164 132 392€ - 1 653 268 587€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 129 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 intermédiations monétaires)

Compare BANQUE POPULAIRE BOURGOGNE FRANCHE-COMTE with other companies in the same sector:

Voir toutes les statistiques du secteur Autres intermédiations monétaires

Frequently asked questions about BANQUE POPULAIRE BOURGOGNE FRANCHE-COMTE

What is the revenue of BANQUE POPULAIRE BOURGOGNE FRANCHE-COMTE ?

The revenue of BANQUE POPULAIRE BOURGOGNE FRANCHE-COMTE in 2021 is 395.1 M€.

Is BANQUE POPULAIRE BOURGOGNE FRANCHE-COMTE profitable?

Yes, BANQUE POPULAIRE BOURGOGNE FRANCHE-COMTE generated a net profit of 113.8 M€ in 2021.

Where is the headquarters of BANQUE POPULAIRE BOURGOGNE FRANCHE-COMTE ?

The headquarters of BANQUE POPULAIRE BOURGOGNE FRANCHE-COMTE is located in DIJON (21000), in the department Cote-d'Or.

Where to find the tax return of BANQUE POPULAIRE BOURGOGNE FRANCHE-COMTE ?

The tax return of BANQUE POPULAIRE BOURGOGNE FRANCHE-COMTE 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 BANQUE POPULAIRE BOURGOGNE FRANCHE-COMTE operate?

BANQUE POPULAIRE BOURGOGNE FRANCHE-COMTE operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.