Employees: NN (None)Legal category: Société à responsabilité limitée (sans autre indication)Size: PMECreation date: 2017-12-01 (8 years)Status: ActiveBusiness sector: Gestion de fondsLocation: PORNIC (44210), Loire-Atlantique
Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.
BEL AIR FINANCE : revenue, balance sheet and financial ratios
BEL AIR FINANCE is a French company
founded 8 years ago,
specialized in the sector Gestion de fonds.
Based in PORNIC (44210),
this company of category PME
shows in 2024 a net income positive of 62 k€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - BEL AIR FINANCE (SIREN 833837099)
Indicator
2024
2023
2022
2021
2019
2018
Revenue
N/C
N/C
N/C
N/C
N/C
N/C
Net income
62 336 €
35 283 €
36 189 €
35 342 €
46 182 €
-19 272 €
EBITDA
-2 051 €
-1 699 €
-1 516 €
-1 346 €
-1 216 €
-9 670 €
Net margin
N/C
N/C
N/C
N/C
N/C
N/C
Revenue and income statement
In 2024, BEL AIR FINANCE generates positive net income of 62 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax.
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
-2 051 €
EBIT (2024)
?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals
-2 051 €
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
62 336 €
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 114%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 47%. 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 10.1 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high.
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
113.686%
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
46.798%
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
10.054
Solvency indicators evolution BEL AIR FINANCE
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2018
2019
2021
2022
2023
2024
Debt ratio
331.119
265.915
184.896
175.388
145.747
113.686
Financial autonomy
23.179
27.329
35.1
36.312
40.692
46.798
Repayment capacity
-49.092
19.111
21.839
21.985
20.196
10.054
Cash flow / Revenue
None%
None%
None%
None%
None%
None%
Sector positioning
Debt ratio
113.692024
2022
2023
2024
Q1: 0.0
Med: 8.29
Q3: 92.98
Average
In 2024, the debt ratio of BEL AIR FINANCE (113.69) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
Financial autonomy
46.8%2024
2022
2023
2024
Q1: 4.58%
Med: 48.35%
Q3: 87.3%
Average+9 pts over 3 years
In 2024, the financial autonomy of BEL AIR FINANCE (46.8%) 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
10.05 years2024
2022
2023
2024
Q1: -0.01 years
Med: 0.0 years
Q3: 3.02 years
Average
In 2024, the repayment capacity of BEL AIR FINANCE (10.05) 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.
Liquidity ratios
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
-542.857
Liquidity indicators evolution BEL AIR FINANCE
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2018
2019
2021
2022
2023
2024
Liquidity ratio
30747.889
None
None
None
None
None
Interest coverage
-99.297
-1200.74
-951.932
-778.034
-736.786
-542.857
Sector positioning
Interest coverage
-542.86x2024
2022
2023
2024
Q1: -71.25x
Med: 0.0x
Q3: 0.0x
Average
In 2024, the interest coverage of BEL AIR FINANCE (-542.9x) 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) and payment terms
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.
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
0 €
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
0 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
0 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 and payment terms evolution BEL AIR FINANCE
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2018
2019
2021
2022
2023
2024
Operating WCR
0 €
0 €
0 €
0 €
0 €
0 €
Inventory turnover (days)
0
0
0
0
0
0
Customer payment term (days)
0
0
0
0
0
0
Supplier payment term (days)
28
0
0
0
0
0
Positioning of BEL AIR FINANCE in its sector
Comparison with sector Gestion de fonds
Valuation estimate
Based on 62 transactions of similar company sales
in 2024,
the value of BEL AIR FINANCE is estimated at
460 741 €
(range 130 816€ - 912 777€).
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.
Estimated enterprise value2024
62 tx
130k€460k€912k€
460 741 €Range: 130 816€ - 912 777€
NAF 5 année 2024
Valuation method used
Net Income Multiple
62 336 €
×
7.4x
=460 741 €
Range: 130 816€ - 912 778€
Only this financial indicator is available for this company.
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
How is this estimate calculated?
This estimate is based on the analysis of 62 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 (Gestion de fonds)
Compare BEL AIR FINANCE with other companies in the same sector:
The revenue of BEL AIR FINANCE is not publicly disclosed (confidential accounts filed with INPI).
Is BEL AIR FINANCE profitable?
Yes, BEL AIR FINANCE generated a net profit of 62 k€ in 2024.
Where is the headquarters of BEL AIR FINANCE ?
The headquarters of BEL AIR FINANCE is located in PORNIC (44210), in the department Loire-Atlantique.
Where to find the tax return of BEL AIR FINANCE ?
The tax return of BEL AIR FINANCE 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 BEL AIR FINANCE operate?
BEL AIR FINANCE operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.
Item evolution
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