SIREN : 534676036
B.M. TERRASSES is a French company founded 14 years ago, specialized in the sector Travaux de menuiserie métallique et serrurerie. Based in SAINT-ETIENNE (42000), this company of category PME shows in 2016 a revenue of 574 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2016 |
|---|---|
| Revenue | 573 847 € |
| Net income | 28 797 € |
| EBITDA | 44 641 € |
| Net margin | 5.0% |
In 2016, B.M. TERRASSES achieves revenue of 574 k€. After deducting consumption (205 k€), gross margin stands at 369 k€, i.e. a rate of 64%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 45 k€, representing 7.8% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 29 k€, i.e. 5.0% of revenue. This profit can be retained or distributed to shareholders.
573 847 €
368 828 €
44 641 €
33 655 €
28 797 €
7.8%
The debt ratio (= Financial debt / Equity x 100) stands at 71%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 27%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.9 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 7.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
70.737%
27.406%
7.376%
0.926
36.0%
In 2016, the debt ratio of B.M. TERRASSES (70.74) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2016, the financial autonomy of B.M. TERRASSES (27.4%) 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 2016, the repayment capacity of B.M. TERRASSES (0.93) ranks above the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A reduction effort could improve financial strength.
The liquidity ratio (= Current assets / Current liabilities) stands at 209.51. 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 2.4x. Financial charges are adequately covered by operations.
209.512
2.366
In 2016, the liquidity ratio of B.M. TERRASSES (209.51) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2016, the interest coverage of B.M. TERRASSES (2.4x) 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: 69 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 17 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 21 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 62 days of revenue, i.e. 99 k€ to permanently finance.
98 593 €
69 j
17 j
21 j
62 j
Based on 264 transactions of similar company sales (all years), the value of B.M. TERRASSES is estimated at 94 509 € (range 38 040€ - 174 509€). With an EBITDA of 44 641€, the sector multiple of 2.1x is applied. The price/revenue ratio is 0.18x (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.
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This estimate is based on the analysis of 264 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 B.M. TERRASSES with other companies in the same sector:
Voir toutes les statistiques du secteur Travaux de menuiserie métallique et serrurerie
The revenue of B.M. TERRASSES in 2016 is 574 k€.
Yes, B.M. TERRASSES generated a net profit of 29 k€ in 2016.
The headquarters of B.M. TERRASSES is located in SAINT-ETIENNE (42000), in the department Loire.
The tax return of B.M. TERRASSES 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).
B.M. TERRASSES operates in the sector Travaux de menuiserie métallique et serrurerie (NAF code 43.32B). See the 'Sector positioning' section above to compare the company with its competitors.