SIREN : 533232070
BERNARDY is a French company founded 14 years ago, specialized in the sector Fabrication de produits azotés et d'engrais. Based in THENIOUX (18100), this company of category PME shows in 2025 a revenue of 5.4 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
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 5 447 576 € | 7 262 800 € | 12 193 956 € | 11 109 943 € | 8 430 159 € | 8 820 136 € | 10 115 253 € | 9 638 567 € |
| Net income | -626 489 € | -1 019 094 € | 540 325 € | -130 120 € | -149 736 € | -1 326 815 € | -472 035 € | -529 514 € |
| EBITDA | -109 369 € | -361 452 € | 1 078 588 € | 478 017 € | 461 438 € | -34 355 € | -42 584 € | 20 253 € |
| Net margin | -11.5% | -14.0% | 4.4% | -1.2% | -1.8% | -15.0% | -4.7% | -5.5% |
In 2025, BERNARDY achieves revenue of 5.4 M€. Revenue is declining over the period 2016-2025 (CAGR: -6.1%). Significant drop of -25% vs 2024. After deducting consumption (1.2 M€), gross margin stands at 4.3 M€, i.e. a rate of 79%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -109 k€, representing -2.0% of revenue. Positive scissor effect: EBITDA margin improves by +3.0 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -626 k€ (-11.5% of revenue), which will impact equity.
5 447 576 €
4 287 481 €
-109 369 €
-663 015 €
-626 489 €
-2.0%
The debt ratio (= Financial debt / Equity x 100) stands at 4%. 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 33%. The balance between equity and debt is satisfactory.
4.488%
33.259%
-1.91%
-0.794
21.8%
In 2025, the debt ratio of BERNARDY (4.49) 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.
In 2025, the financial autonomy of BERNARDY (33.3%) 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 2025, the repayment capacity of BERNARDY (-0.79) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 91.03. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
91.032
-33.574
In 2025, the liquidity ratio of BERNARDY (91.03) 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.
In 2025, the interest coverage of BERNARDY (-33.6x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 48 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 366 days. Excellent situation: suppliers finance 318 days of the operating cycle (retail model). Inventory turnover is 100 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 148 days of revenue, i.e. 2.2 M€ to permanently finance. Notable WCR improvement over the period (-25%), freeing up cash.
2 236 720 €
48 j
366 j
100 j
148 j
Based on 74 transactions of similar company sales
(all years),
the value of BERNARDY is estimated at
598 384 €
(range 390 497€ - 1 361 415€).
The price/revenue ratio is 0.11x
(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.
Only this financial indicator is available for this company.
This estimate is based on the analysis of 74 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 BERNARDY with other companies in the same sector:
Voir toutes les statistiques du secteur Fabrication de produits azotés et d'engrais
The revenue of BERNARDY in 2025 is 5.4 M€.
BERNARDY recorded a net loss in 2025.
The headquarters of BERNARDY is located in THENIOUX (18100), in the department Cher.
The tax return of BERNARDY 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).
BERNARDY operates in the sector Fabrication de produits azotés et d'engrais (NAF code 20.15Z). See the 'Sector positioning' section above to compare the company with its competitors.