SIREN : 837628874
BERNADOU is a French company founded 8 years ago, specialized in the sector Gestion de fonds. Based in HENDAYE (64700), this company of category PME shows in 2024 a revenue of 260 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|
| Revenue | 259 535 € | 248 900 € | 328 648 € | 329 272 € | 346 271 € | N/C |
| Net income | 1 725 € | -7 613 € | -6 598 € | 41 012 € | 8 211 € | 2 867 € |
| EBITDA | 7 527 € | -12 202 € | 2 817 € | 13 053 € | 17 010 € | N/C |
| Net margin | 0.7% | -3.1% | -2.0% | 12.5% | 2.4% | N/C |
In 2024, BERNADOU achieves revenue of 260 k€. Revenue is declining over the period 2020-2024 (CAGR: -7.0%). Vs 2023: +4%. After deducting consumption (0 €), gross margin stands at 260 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 8 k€, representing 2.9% of revenue. Positive scissor effect: EBITDA margin improves by +7.8 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 2 k€, i.e. 0.7% of revenue. This profit can be retained or distributed to shareholders.
259 535 €
259 535 €
7 527 €
4 664 €
1 725 €
2.9%
The debt ratio (= Financial debt / Equity x 100) stands at 466%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 17%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 35.2 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 2.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
465.66%
16.556%
2.32%
35.161
21.3%
In 2024, the debt ratio of BERNADOU (465.66) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of BERNADOU (16.6%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of BERNADOU (35.16) 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 45.17. 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 18.9x. Operating income very largely covers interest expenses: high safety margin.
45.166
18.905
In 2024, the liquidity ratio of BERNADOU (45.17) 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 2024, the interest coverage of BERNADOU (18.9x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 21 days. Favorable situation: supplier credit is longer than customer credit by 21 days. WCR is negative (-8 days): operations structurally generate cash.
-5 736 €
0 j
21 j
0 j
-8 j
Based on 62 transactions of similar company sales
in 2024,
the value of BERNADOU is estimated at
44 308 €
(range 18 603€ - 111 694€).
With an EBITDA of 7 527€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.30x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare BERNADOU with other companies in the same sector:
The revenue of BERNADOU in 2024 is 260 k€.
Yes, BERNADOU generated a net profit of 2 k€ in 2024.
The headquarters of BERNADOU is located in HENDAYE (64700), in the department Pyrenees-Atlantiques.
The tax return of BERNADOU 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).
BERNADOU operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.