BLISS ET FOCH (GROUPE IMMOBILIER AGENCE) : revenue, balance sheet and financial ratios

BLISS ET FOCH (GROUPE IMMOBILIER AGENCE) is a French company founded 55 years ago, specialized in the sector Agences immobilières. Based in BIARRITZ (64200), this company of category PME shows in 2025 a revenue of 795 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 - BLISS ET FOCH (GROUPE IMMOBILIER AGENCE) (SIREN 712720853)
Indicator 2025 2019 2018 2017
Revenue 795 071 € 542 801 € 337 856 € 510 827 €
Net income 136 846 € 28 785 € 756 € 62 075 €
EBITDA 169 355 € 37 234 € 9 430 € 82 848 €
Net margin 17.2% 5.3% 0.2% 12.2%

Revenue and income statement

In 2025, BLISS ET FOCH (GROUPE IMMOBILIER AGENCE) achieves revenue of 795 k€. Over the period 2017-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +5.7%. Vs 2019, growth of +46% (543 k€ -> 795 k€). After deducting consumption (0 €), gross margin stands at 795 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 169 k€, representing 21.3% of revenue. Positive scissor effect: EBITDA margin improves by +14.4 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 137 k€, i.e. 17.2% 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

795 071 €

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

795 071 €

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

169 355 €

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

173 844 €

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

136 846 €

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

21.3%

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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 0%. 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 42%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 16.6% 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 (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

0.0%

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

41.567%

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

16.645%

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

2.0%

Solvency indicators evolution
BLISS ET FOCH (GROUPE IMMOBILIER AGENCE)

Sector positioning

Debt ratio
0.0 2025
2018
2019
2025
Q1: 0.01
Med: 9.42
Q3: 52.77
Excellent

In 2025, the debt ratio of BLISS ET FOCH (GROUPE IMM... (0.00) 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.

Financial autonomy
41.57% 2025
2018
2019
2025
Q1: 6.02%
Med: 32.55%
Q3: 60.91%
Good -8 pts over 3 years

In 2025, the financial autonomy of BLISS ET FOCH (GROUPE IMM... (41.6%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
0.0 years 2025
2018
2019
2025
Q1: 0.0 years
Med: 0.0 years
Q3: 1.1 years
Excellent -31 pts over 3 years

In 2025, the repayment capacity of BLISS ET FOCH (GROUPE IMM... (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 135.91. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 0.1x. Danger: operating income does not cover interest charges, unsustainable situation.

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

135.915

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

0.109

Liquidity indicators evolution
BLISS ET FOCH (GROUPE IMMOBILIER AGENCE)

Sector positioning

Liquidity ratio
135.91 2025
2018
2019
2025
Q1: 108.17
Med: 191.05
Q3: 464.92
Average -7 pts over 3 years

In 2025, the liquidity ratio of BLISS ET FOCH (GROUPE IMM... (135.91) 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.

Interest coverage
0.11x 2025
2018
2019
2025
Q1: 0.0x
Med: 0.0x
Q3: 1.7x
Good -22 pts over 3 years

In 2025, the interest coverage of BLISS ET FOCH (GROUPE IMM... (0.1x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 25 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 48 days. Favorable situation: supplier credit is longer than customer credit by 23 days. WCR is negative (-62 days): operations structurally generate cash. Over 2017-2025, WCR increased by +58%, 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

-136 792 €

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

25 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

48 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

0 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

-62 j

WCR and payment terms evolution
BLISS ET FOCH (GROUPE IMMOBILIER AGENCE)

Positioning of BLISS ET FOCH (GROUPE IMMOBILIER AGENCE) in its sector

Comparison with sector Agences immobilières

Valuation estimate

Based on 55 transactions of similar company sales in 2025, the value of BLISS ET FOCH (GROUPE IMMOBILIER AGENCE) is estimated at 349 131 € (range 128 776€ - 654 751€). With an EBITDA of 169 355€, the sector multiple of 2.9x is applied. The price/revenue ratio is 0.21x (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.

Estimated enterprise value 2025
55 tx
128k€ 349k€ 654k€
349 131 € Range: 128 776€ - 654 751€
NAF 5 année 2025

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
169 355 € × 2.9x
Estimation 491 110 €
140 303€ - 873 263€
Revenue Multiple 30%
795 071 € × 0.21x
Estimation 169 966 €
69 884€ - 409 498€
Net Income Multiple 20%
136 846 € × 1.9x
Estimation 262 935 €
188 300€ - 476 354€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 55 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 (Agences immobilières)

Compare BLISS ET FOCH (GROUPE IMMOBILIER AGENCE) with other companies in the same sector:

Voir toutes les statistiques du secteur Agences immobilières

Frequently asked questions about BLISS ET FOCH (GROUPE IMMOBILIER AGENCE)

What is the revenue of BLISS ET FOCH (GROUPE IMMOBILIER AGENCE) ?

The revenue of BLISS ET FOCH (GROUPE IMMOBILIER AGENCE) in 2025 is 795 k€.

Is BLISS ET FOCH (GROUPE IMMOBILIER AGENCE) profitable?

Yes, BLISS ET FOCH (GROUPE IMMOBILIER AGENCE) generated a net profit of 137 k€ in 2025.

Where is the headquarters of BLISS ET FOCH (GROUPE IMMOBILIER AGENCE) ?

The headquarters of BLISS ET FOCH (GROUPE IMMOBILIER AGENCE) is located in BIARRITZ (64200), in the department Pyrenees-Atlantiques.

Where to find the tax return of BLISS ET FOCH (GROUPE IMMOBILIER AGENCE) ?

The tax return of BLISS ET FOCH (GROUPE IMMOBILIER AGENCE) 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 BLISS ET FOCH (GROUPE IMMOBILIER AGENCE) operate?

BLISS ET FOCH (GROUPE IMMOBILIER AGENCE) operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.