Employees: 03 (2023.0)Legal category: Société à responsabilité limitée (sans autre indication)Size: PMECreation date: 2012-01-15 (14 years)Status: ActiveBusiness sector: Autres commerces de détail spécialisés diversLocation: CLERMONT-L'HERAULT (34800), Herault
Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.
BENCO : revenue, balance sheet and financial ratios
BENCO is a French company
founded 14 years ago,
specialized in the sector Autres commerces de détail spécialisés divers.
Based in CLERMONT-L'HERAULT (34800),
this company of category PME
shows in 2016 a revenue of 1.1 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
In 2021, BENCO generates positive net income of 114 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2021: 35 k€ -> 114 k€.
Net income (2021)
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Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
114 490 €
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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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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 46%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 37%. The balance between equity and debt is satisfactory.
Debt ratio (2021)
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Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
45.906%
Financial autonomy (2021)
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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
37.018%
Asset age ratio (2021)
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Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2020
2021
Debt ratio
359.707
48.129
29.433
45.906
Financial autonomy
6.133
23.131
29.324
37.018
Repayment capacity
1.233
None
None
None
Cash flow / Revenue
5.456%
None%
None%
None%
Sector positioning
Debt ratio
45.912021
2017
2020
2021
Q1: 0.13
Med: 30.47
Q3: 112.29
Average
In 2021, the debt ratio of BENCO (45.91) 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
37.02%2021
2017
2020
2021
Q1: 9.23%
Med: 33.56%
Q3: 57.44%
Good+11 pts over 3 years
In 2021, the financial autonomy of BENCO (37.0%) 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.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 162.15. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquidity ratio (2021)
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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
162.149
Liquidity indicators evolution BENCO
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2017
2020
2021
Liquidity ratio
89.287
122.753
116.296
162.149
Interest coverage
12.899
None
None
None
Sector positioning
Liquidity ratio
162.152021
2017
2020
2021
Q1: 121.59
Med: 217.9
Q3: 380.53
Average
In 2021, the liquidity ratio of BENCO (162.15) 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.
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 (2021)
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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 (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)
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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)
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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 BENCO
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2020
2021
Operating WCR
-114 281 €
0 €
0 €
0 €
Inventory turnover (days)
10
0
0
0
Customer payment term (days)
13
0
0
0
Supplier payment term (days)
13
0
0
0
Positioning of BENCO in its sector
Comparison with sector Autres commerces de détail spécialisés divers
Valuation estimate
Based on 105 transactions of similar company sales
in 2021,
the value of BENCO is estimated at
298 731 €
(range 114 933€ - 1 065 040€).
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 value2021
105 transactions
114k€298k€1065k€
298 731 €Range: 114 933€ - 1 065 040€
NAF 5 année 2021
Valuation method used
Net Income Multiple
114 490 €
×
2.6x
=298 732 €
Range: 114 933€ - 1 065 040€
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 105 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 commerces de détail spécialisés divers)
Compare BENCO with other companies in the same sector:
Yes, BENCO generated a net profit of 114 k€ in 2021.
Where is the headquarters of BENCO ?
The headquarters of BENCO is located in CLERMONT-L'HERAULT (34800), in the department Herault.
Where to find the tax return of BENCO ?
The tax return of BENCO 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 BENCO operate?
BENCO operates in the sector Autres commerces de détail spécialisés divers (NAF code 47.78C). See the 'Sector positioning' section above to compare the company with its competitors.
Item evolution
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