BISCHOFF FINANCIAL SOLUTIONS AND ADVISORY : revenue, balance sheet and financial ratios

BISCHOFF FINANCIAL SOLUTIONS AND ADVISORY is a French company founded 7 years ago, specialized in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.. Based in MEUDON (92190), this company of category PME shows in 2021 a revenue of 46 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 - BISCHOFF FINANCIAL SOLUTIONS AND ADVISORY (SIREN 840867600)
Indicator 2021 2020
Revenue 46 400 € 128 200 €
Net income 33 690 € 73 739 €
EBITDA 33 690 € 95 519 €
Net margin 72.6% 57.5%

Revenue and income statement

In 2021, BISCHOFF FINANCIAL SOLUTIONS AND ADVISORY achieves revenue of 46 k€. Significant drop of -64% vs 2020. After deducting consumption (0 €), gross margin stands at 46 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 34 k€, representing 72.6% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 34 k€, i.e. 72.6% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2021) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

46 400 €

Gross margin (2021) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

46 400 €

EBITDA (2021) ?
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

33 690 €

EBIT (2021) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

33 690 €

Net income (2021) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

33 690 €

EBITDA margin (2021) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

72.6%

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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 8%. 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 7%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 72.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

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

7.548%

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

6.926%

Cash flow / Revenue (2021) ?
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

72.608%

Repayment capacity (2021) ?
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

Solvency indicators evolution
BISCHOFF FINANCIAL SOLUTIONS AND ADVISORY

Sector positioning

Debt ratio
7.55 2021
2020
2021
Q1: 0.0
Med: 8.63
Q3: 80.84
Good +22 pts over 2 years

In 2021, the debt ratio of BISCHOFF FINANCIAL SOLUTI... (7.55) 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
6.93% 2021
2020
2021
Q1: 8.26%
Med: 40.93%
Q3: 73.55%
Average

In 2021, the financial autonomy of BISCHOFF FINANCIAL SOLUTI... (6.9%) 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 2021
2020
2021
Q1: 0.0 years
Med: 0.0 years
Q3: 1.31 years
Excellent

In 2021, the repayment capacity of BISCHOFF FINANCIAL SOLUTI... (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 1213.60. 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

1213.603

Interest coverage (2021) ?
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
BISCHOFF FINANCIAL SOLUTIONS AND ADVISORY

Sector positioning

Liquidity ratio
1213.6 2021
2020
2021
Q1: 132.89
Med: 276.82
Q3: 713.82
Excellent +17 pts over 2 years

In 2021, the liquidity ratio of BISCHOFF FINANCIAL SOLUTI... (1213.60) 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 2021
2020
2021
Q1: 0.0x
Med: 0.0x
Q3: 0.45x
Average

In 2021, the interest coverage of BISCHOFF FINANCIAL SOLUTI... (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: 488 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 0 days. The gap of 488 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 644 days of revenue, i.e. 83 k€ to permanently finance.

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

82 959 €

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

488 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 in days of revenue (2021) ?
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

644 j

WCR and payment terms evolution
BISCHOFF FINANCIAL SOLUTIONS AND ADVISORY

Positioning of BISCHOFF FINANCIAL SOLUTIONS AND ADVISORY in its sector

Comparison with sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Valuation estimate

Based on 103 transactions of similar company sales (all years), the value of BISCHOFF FINANCIAL SOLUTIONS AND ADVISORY is estimated at 69 717 € (range 29 632€ - 154 113€). With an EBITDA of 33 690€, the sector multiple of 2.5x 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.

Estimated enterprise value 2021
103 transactions
29k€ 69k€ 154k€
69 717 € Range: 29 632€ - 154 113€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
33 690 € × 2.5x
Estimation 85 850 €
38 230€ - 168 804€
Revenue Multiple 30%
46 400 € × 0.30x
Estimation 14 151 €
7 528€ - 39 157€
Net Income Multiple 20%
33 690 € × 3.3x
Estimation 112 736 €
41 298€ - 289 819€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 103 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 (Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.)

Compare BISCHOFF FINANCIAL SOLUTIONS AND ADVISORY with other companies in the same sector:

Voir toutes les statistiques du secteur Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Frequently asked questions about BISCHOFF FINANCIAL SOLUTIONS AND ADVISORY

What is the revenue of BISCHOFF FINANCIAL SOLUTIONS AND ADVISORY ?

The revenue of BISCHOFF FINANCIAL SOLUTIONS AND ADVISORY in 2021 is 46 k€.

Is BISCHOFF FINANCIAL SOLUTIONS AND ADVISORY profitable?

Yes, BISCHOFF FINANCIAL SOLUTIONS AND ADVISORY generated a net profit of 34 k€ in 2021.

Where is the headquarters of BISCHOFF FINANCIAL SOLUTIONS AND ADVISORY ?

The headquarters of BISCHOFF FINANCIAL SOLUTIONS AND ADVISORY is located in MEUDON (92190), in the department Hauts-de-Seine.

Where to find the tax return of BISCHOFF FINANCIAL SOLUTIONS AND ADVISORY ?

The tax return of BISCHOFF FINANCIAL SOLUTIONS AND ADVISORY 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 BISCHOFF FINANCIAL SOLUTIONS AND ADVISORY operate?

BISCHOFF FINANCIAL SOLUTIONS AND ADVISORY operates in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a. (NAF code 66.19B). See the 'Sector positioning' section above to compare the company with its competitors.