Employees: NN (None)Legal category: SCA (commandite par actions)Size: PMECreation date: 2020-06-15 (5 years)Status: ActiveBusiness sector: Location de terrains et d'autres biens immobiliersLocation: LABASTIDE-DU-VERT (46150), Lot
BNF IMMOBILIER : revenue, balance sheet and financial ratios
BNF IMMOBILIER is a French company
founded 5 years ago,
specialized in the sector Location de terrains et d'autres biens immobiliers.
Based in LABASTIDE-DU-VERT (46150),
this company of category PME
shows in 2025 a revenue of 30 k€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - BNF IMMOBILIER (SIREN 884507179)
Indicator
2025
2023
2022
2021
Revenue
29 784 €
29 580 €
14 053 €
7 654 €
Net income
10 036 €
11 631 €
-25 398 €
-31 651 €
EBITDA
20 346 €
22 959 €
-15 191 €
-28 251 €
Net margin
33.7%
39.3%
-180.7%
-413.5%
Revenue and income statement
En 2025, BNF IMMOBILIER alcanza unos ingresos de 30 k€. En el período 2021-2025, la empresa muestra un fuerte crecimiento con una TCAC de +40.5%. Vs 2023: +1%. Tras deducir el consumo (0 €), el margen bruto se sitúa en 30 k€, es decir, una tasa del 100%. El EBITDA alcanza 20 k€, representando el 68.3% de los ingresos. Advertencia efecto tijera negativo: a pesar del cambio en ingresos (+1%), el EBITDA varía en -11%, reduciendo el margen en 9.3 puntos. Este alto margen EBITDA proporciona una fuerte capacidad de autofinanciación. El resultado neto asciende a 10 k€, es decir, el 33.7% de los ingresos.
Revenue (2025)
?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production
29 784 €
Gross margin (2025)
?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed
29 784 €
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
20 346 €
EBIT (2025)
?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals
10 036 €
Net income (2025)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
10 036 €
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
68.3%
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
El ratio de endeudamiento (= Deuda financiera / Fondos propios x 100) se sitúa en -2748%. Este nivel muy bajo refleja una estructura financiera sólida. La autonomía financiera (= Fondos propios / Total activo x 100) alcanza el -4%. Baja autonomía: la empresa depende fuertemente de financiación externa. La capacidad de reembolso indica que se necesitarían 33.9 años de flujo de caja. Más allá de 7 años, los bancos generalmente consideran el riesgo crediticio como alto. El flujo de caja representa el 68.3% de los ingresos. Este alto nivel proporciona una fuerte capacidad de autofinanciación.
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
-2748.229%
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
-3.765%
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
68.308%
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
33.938
Asset age ratio (2025)
?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2021
2022
2023
2025
Debt ratio
-3262.38
-1507.862
-1895.853
-2748.229
Financial autonomy
-3.161
-7.091
-5.552
-3.765
Repayment capacity
-29.379
-50.463
32.376
33.938
Cash flow / Revenue
-369.101%
-108.098%
77.617%
68.308%
Sector positioning
Ratio de endeudamiento
-2748.232025
2022
2023
2025
Q1: 0.0
Med: 8.6
Q3: 105.48
Excelente
En 2025, el ratio de endeudamiento de BNF IMMOBILIER (-2748.23) se sitúa en el 25% más bajo del sector, lo cual es positivo. Este ratio mide el peso de la deuda en relación con el patrimonio. Un ratio bajo indica una estructura financiera sólida con poca dependencia de los acreedores.
Autonomía financiera
-3.77%2025
2022
2023
2025
Q1: 4.5%
Med: 47.12%
Q3: 86.18%
Average
En 2025, el autonomía financiera de BNF IMMOBILIER (-3.8%) se sitúa por debajo de la mediana del sector. Este ratio representa la parte del patrimonio en la financiación total. Una mejora fortalecería la posición competitiva.
Capacidad de reembolso
33.94 ans2025
2022
2023
2025
Q1: 0.0 ans
Med: 1.02 ans
Q3: 9.03 ans
Average+50 pts over 3 years
En 2025, el capacidad de reembolso de BNF IMMOBILIER (33.9 ans) se sitúa por encima de la mediana del sector. Este ratio indica el número de años necesarios para pagar la deuda con flujo de caja. Un esfuerzo de reducción podría mejorar la solidez financiera.
Liquidity ratios
El ratio de liquidez se sitúa en 246.93. La empresa tiene 2€ de activos líquidos por cada 1€ de deuda a corto plazo.
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
246.927
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 BNF IMMOBILIER
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2021
2022
2023
2025
Liquidity ratio
222246.597
1883.417
1098.857
246.927
Interest coverage
0.0
0.0
0.0
0.0
Sector positioning
Ratio de liquidez
246.932025
2022
2023
2025
Q1: 94.89
Med: 385.78
Q3: 1921.45
Average-37 pts over 3 years
En 2025, el ratio de liquidez de BNF IMMOBILIER (246.93) se sitúa por debajo de la mediana del sector. Este ratio mide la capacidad de cubrir deuda a corto plazo con activos corrientes. Una mejora fortalecería la posición competitiva.
Cobertura de intereses
0.0x2025
2022
2023
2025
Q1: -0.08x
Med: 0.0x
Q3: 12.13x
Bueno+25 pts over 3 years
En 2025, el cobertura de intereses de BNF IMMOBILIER (0.0x) se sitúa por encima de la mediana del sector. Este ratio indica cuántas veces el resultado operativo cubre los gastos de intereses. Esta posición cómoda ofrece un margen de seguridad apreciable.
Working capital requirement (WCR) and payment terms
El fondo de maniobra operativo (FM) mide el desfase temporal de tesorería. El FM es negativo (-24 días): las operaciones generan estructuralmente tesorería. Notable mejora del FM durante el período (-931%), liberando tesorería.
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
-1 969 €
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
0 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
0 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
-24 j
WCR and payment terms evolution BNF IMMOBILIER
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2021
2022
2023
2025
Operating WCR
-191 €
595 €
-1 244 €
-1 969 €
Inventory turnover (days)
0
0
0
0
Customer payment term (days)
0
0
0
0
Supplier payment term (days)
0
0
0
0
Positioning of BNF IMMOBILIER in its sector
Comparison with sector Location de terrains et d'autres biens immobiliers
Valuation estimate
Based on 117 transactions of similar company sales
in 2025,
the value of BNF IMMOBILIER is estimated at
44 772 €
(range 24 210€ - 120 669€).
With an EBITDA of 20 346€, the sector multiple of 2.7x is applied.
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.
Estimated enterprise value2025
117 transactions
24k€44k€120k€
44 772 €Range: 24 210€ - 120 669€
NAF 5 année 2025
Valuation detail by method
Ajustez les pondérations selon votre analyse
EBITDA Multiple50%
20 346 €×2.7x
Estimation54 531 €
35 657€ - 159 365€
Revenue Multiple30%
29 784 €×0.92x
Estimation27 351 €
12 844€ - 64 501€
Net Income Multiple20%
10 036 €×4.6x
Estimation46 510 €
12 646€ - 108 184€
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
How is this estimate calculated?
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.
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 (Location de terrains et d'autres biens immobiliers)
Compare BNF IMMOBILIER with other companies in the same sector:
Yes, BNF IMMOBILIER generated a net profit of 10 k€ in 2025.
Where is the headquarters of BNF IMMOBILIER ?
The headquarters of BNF IMMOBILIER is located in LABASTIDE-DU-VERT (46150), in the department Lot.
Where to find the tax return of BNF IMMOBILIER ?
The tax return of BNF IMMOBILIER 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 BNF IMMOBILIER operate?
BNF IMMOBILIER 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.
Item evolution
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