BIS DINAN (BRETAGNE INFORMATIQUE DINAN) : revenue, balance sheet and financial ratios

BIS DINAN (BRETAGNE INFORMATIQUE DINAN) is a French company founded 19 years ago, specialized in the sector Programmation informatique. Based in CORSEUL (22130), this company of category PME shows in 2025 a revenue of 108 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 - BIS DINAN (BRETAGNE INFORMATIQUE DINAN) (SIREN 492914916)
Indicator 2025 2024 2016
Revenue 108 098 € 107 866 € 107 270 €
Net income 81 € 281 € 53 €
EBITDA 375 € 844 € 2 064 €
Net margin 0.1% 0.3% 0.0%

Revenue and income statement

In 2025, BIS DINAN (BRETAGNE INFORMATIQUE DINAN) achieves revenue of 108 k€. Revenue is growing positively over 3 years (CAGR: +0.1%). Vs 2024: +0%. After deducting consumption (47 k€), gross margin stands at 61 k€, i.e. a rate of 57%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 375 €, representing 0.3% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 81 €, i.e. 0.1% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

108 098 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

61 493 €

EBITDA (2025) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

375 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

616 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

81 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

0.3%

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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 1%. 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 1%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 1.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

1.111%

Financial autonomy (2025) ?
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

0.958%

Cash flow / Revenue (2025) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

1.745%

Repayment capacity (2025) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

0.0

Asset age ratio (2025) ?
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

67.9%

Solvency indicators evolution
BIS DINAN (BRETAGNE INFORMATIQUE DINAN)

Sector positioning

Debt ratio
1.11 2025
2016
2024
2025
Q1: 0.0
Med: 1.68
Q3: 32.63
Good +16 pts over 3 years

In 2025, the debt ratio of BIS DINAN (BRETAGNE INFOR... (1.11) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
0.96% 2025
2016
2024
2025
Q1: 7.59%
Med: 40.11%
Q3: 69.4%
Average

In 2025, the financial autonomy of BIS DINAN (BRETAGNE INFOR... (1.0%) 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
0.0 years 2025
2016
2024
2025
Q1: 0.0 years
Med: 0.0 years
Q3: 0.32 years
Excellent

In 2025, the repayment capacity of BIS DINAN (BRETAGNE INFOR... (0.00) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 612.56. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
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

612.562

Interest coverage (2025) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

0.0

Liquidity indicators evolution
BIS DINAN (BRETAGNE INFORMATIQUE DINAN)

Sector positioning

Liquidity ratio
612.56 2025
2016
2024
2025
Q1: 151.24
Med: 278.79
Q3: 555.43
Excellent

In 2025, the liquidity ratio of BIS DINAN (BRETAGNE INFOR... (612.56) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
0.0x 2025
2016
2024
2025
Q1: 0.0x
Med: 0.0x
Q3: 0.72x
Average

In 2025, the interest coverage of BIS DINAN (BRETAGNE INFOR... (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. 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. Average customer payment term: 55 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 3 days. The gap of 52 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Inventory turnover is 68 days (= Average inventory / Cost of goods x 360). Overall, WCR represents 119 days of revenue, i.e. 36 k€ to permanently finance. Over 2016-2025, WCR increased by +219%, requiring additional financing.

Operating WCR (2025) ?
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

35 776 €

Customer credit (2025) ?
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

55 j

Supplier credit (2025) ?
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

3 j

Inventory turnover (2025) ?
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

68 j

WCR in days of revenue (2025) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

119 j

WCR and payment terms evolution
BIS DINAN (BRETAGNE INFORMATIQUE DINAN)

Positioning of BIS DINAN (BRETAGNE INFORMATIQUE DINAN) in its sector

Comparison with sector Programmation informatique

Valuation estimate

Based on 120 transactions of similar company sales (all years), the value of BIS DINAN (BRETAGNE INFORMATIQUE DINAN) is estimated at 9 259 € (range 5 175€ - 22 784€). With an EBITDA of 375€, the sector multiple of 2.2x is applied. The price/revenue ratio is 0.27x (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.

Estimated enterprise value 2025
120 transactions
5k€ 9k€ 22k€
9 259 € Range: 5 175€ - 22 784€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
375 € × 2.2x
Estimation 834 €
362€ - 2 294€
Revenue Multiple 30%
108 098 € × 0.27x
Estimation 29 360 €
16 597€ - 71 806€
Net Income Multiple 20%
81 € × 2.2x
Estimation 174 €
76€ - 482€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 120 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 (Programmation informatique)

Compare BIS DINAN (BRETAGNE INFORMATIQUE DINAN) with other companies in the same sector:

Voir toutes les statistiques du secteur Programmation informatique

Frequently asked questions about BIS DINAN (BRETAGNE INFORMATIQUE DINAN)

What is the revenue of BIS DINAN (BRETAGNE INFORMATIQUE DINAN) ?

The revenue of BIS DINAN (BRETAGNE INFORMATIQUE DINAN) in 2025 is 108 k€.

Is BIS DINAN (BRETAGNE INFORMATIQUE DINAN) profitable?

Yes, BIS DINAN (BRETAGNE INFORMATIQUE DINAN) generated a net profit of 81€ in 2025.

Where is the headquarters of BIS DINAN (BRETAGNE INFORMATIQUE DINAN) ?

The headquarters of BIS DINAN (BRETAGNE INFORMATIQUE DINAN) is located in CORSEUL (22130), in the department Cotes-d'Armor.

Where to find the tax return of BIS DINAN (BRETAGNE INFORMATIQUE DINAN) ?

The tax return of BIS DINAN (BRETAGNE INFORMATIQUE DINAN) 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 BIS DINAN (BRETAGNE INFORMATIQUE DINAN) operate?

BIS DINAN (BRETAGNE INFORMATIQUE DINAN) operates in the sector Programmation informatique (NAF code 62.01Z). See the 'Sector positioning' section above to compare the company with its competitors.