SIREN : 493441539
BH FINANCES is a French company founded 19 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in SAINT-GREGOIRE (35760), this company of category PME shows in 2025 a revenue of 50 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-11
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2025 | 2024 | 2023 | 2022 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 49 806 € | 65 538 € | 51 400 € | 59 850 € | N/C | N/C | 17 750 € | 228 000 € |
| Net income | -127 299 € | -109 204 € | -119 560 € | -257 745 € | 140 029 € | -9 621 € | 561 893 € | 482 442 € |
| EBITDA | -50 376 € | -33 831 € | -49 360 € | -48 819 € | -23 649 € | -8 459 € | 1 975 € | 8 850 € |
| Net margin | -255.6% | -166.6% | -232.6% | -430.7% | N/C | N/C | 3165.6% | 211.6% |
In 2025, BH FINANCES achieves revenue of 50 k€. Revenue is declining over the period 2016-2025 (CAGR: -15.6%). Significant drop of -24% vs 2024. After deducting consumption (0 €), gross margin stands at 50 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 -50 k€, representing -101.1% of revenue. Warning negative scissor effect: despite revenue change (-24%), EBITDA varies by -49%, reducing margin by 49.5 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -127 k€ (-255.6% of revenue), which will impact equity.
49 806 €
49 806 €
-50 376 €
-131 547 €
-127 299 €
-101.1%
The debt ratio (= Financial debt / Equity x 100) stands at 2%. 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 95%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
1.809%
95.152%
-139.461%
-0.77
82.3%
In 2025, the debt ratio of BH FINANCES (1.81) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2025, the financial autonomy of BH FINANCES (95.2%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2025, the repayment capacity of BH FINANCES (-0.77) 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 164.90. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
164.899
0.0
In 2025, the liquidity ratio of BH FINANCES (164.90) 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 2025, the interest coverage of BH FINANCES (0.0x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
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: 27 days. Favorable situation: supplier credit is longer than customer credit by 27 days. WCR is negative (-14 days): operations structurally generate cash. Notable WCR improvement over the period (-102%), freeing up cash.
-1 984 €
0 j
27 j
0 j
-14 j
Based on 117 transactions of similar company sales in 2025, the value of BH FINANCES is estimated at 45 737 € (range 21 478€ - 107 861€). The price/revenue ratio is 0.92x (in line with sector norms). 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.
Only this financial indicator is available for this company.
This estimate is based on the analysis of 117 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 BH FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Location de terrains et d'autres biens immobiliers
The revenue of BH FINANCES in 2025 is 50 k€.
BH FINANCES recorded a net loss in 2025.
The headquarters of BH FINANCES is located in SAINT-GREGOIRE (35760), in the department Ille-et-Vilaine.
The tax return of BH FINANCES 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).
BH FINANCES operates in the sector Location de terrains et d'autres biens immobiliers (NAF code 68.20B). See the 'Sector positioning' section above to compare the company with its competitors.