BERNARD TERRASSEMENT PAYSAGE : revenue, balance sheet and financial ratios

BERNARD TERRASSEMENT PAYSAGE is a French company founded 8 years ago, specialized in the sector Autres travaux spécialisés de construction. Based in CLERIEUX (26260), this company of category PME shows in 2019 a revenue of 485 k€. 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 - BERNARD TERRASSEMENT PAYSAGE (SIREN 831991377)
Indicator 2021 2019 2018 2017
Revenue N/C 485 037 € 304 822 € 18 823 €
Net income 0 € -1 027 € 2 721 € -3 332 €
EBITDA N/C 2 679 € 5 110 € -2 870 €
Net margin N/C -0.2% 0.9% -17.7%

Revenue and income statement

In 2021, BERNARD TERRASSEMENT PAYSAGE records a net loss of 0 €. This deficit will reduce equity on the balance sheet.

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 938%. 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 21%. The balance between equity and debt is satisfactory.

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

937.942%

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

20.999%

Asset age ratio (2021) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

64.8%

Solvency indicators evolution
BERNARD TERRASSEMENT PAYSAGE

Sector positioning

Debt ratio
937.94 2021
2018
2019
2021
Q1: 3.56
Med: 30.41
Q3: 93.0
Watch

In 2021, the debt ratio of BERNARD TERRASSEMENT PAYSAGE (937.94) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
21.0% 2021
2018
2019
2021
Q1: 13.87%
Med: 32.34%
Q3: 51.4%
Average +6 pts over 3 years

In 2021, the financial autonomy of BERNARD TERRASSEMENT PAYSAGE (21.0%) 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
7.99 years 2019
2018
2019
Q1: 0.0 years
Med: 0.25 years
Q3: 1.3 years
Watch

In 2019, the repayment capacity of BERNARD TERRASSEMENT PAYSAGE (7.99) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 97.61. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

97.61

Liquidity indicators evolution
BERNARD TERRASSEMENT PAYSAGE

Sector positioning

Liquidity ratio
97.61 2021
2018
2019
2021
Q1: 140.39
Med: 193.97
Q3: 289.39
Watch -36 pts over 3 years

In 2021, the liquidity ratio of BERNARD TERRASSEMENT PAYSAGE (97.61) 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
11.16x 2019
2018
2019
Q1: 0.0x
Med: 0.45x
Q3: 2.83x
Excellent

In 2019, the interest coverage of BERNARD TERRASSEMENT PAYSAGE (11.2x) 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.

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

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) ?
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 and payment terms evolution
BERNARD TERRASSEMENT PAYSAGE

Positioning of BERNARD TERRASSEMENT PAYSAGE in its sector

Comparison with sector Autres travaux spécialisés de construction

Similar companies (Autres travaux spécialisés de construction)

Compare BERNARD TERRASSEMENT PAYSAGE with other companies in the same sector:

Voir toutes les statistiques du secteur Autres travaux spécialisés de construction

Frequently asked questions about BERNARD TERRASSEMENT PAYSAGE

What is the revenue of BERNARD TERRASSEMENT PAYSAGE ?

The revenue of BERNARD TERRASSEMENT PAYSAGE in 2019 is 485 k€.

Is BERNARD TERRASSEMENT PAYSAGE profitable?

BERNARD TERRASSEMENT PAYSAGE recorded a net loss in 2019.

Where is the headquarters of BERNARD TERRASSEMENT PAYSAGE ?

The headquarters of BERNARD TERRASSEMENT PAYSAGE is located in CLERIEUX (26260), in the department Drome.

Where to find the tax return of BERNARD TERRASSEMENT PAYSAGE ?

The tax return of BERNARD TERRASSEMENT PAYSAGE 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 BERNARD TERRASSEMENT PAYSAGE operate?

BERNARD TERRASSEMENT PAYSAGE operates in the sector Autres travaux spécialisés de construction (NAF code 43.99D). See the 'Sector positioning' section above to compare the company with its competitors.