BONNAVION INVESTISSEMENTS : revenue, balance sheet and financial ratios

BONNAVION INVESTISSEMENTS is a French company founded 57 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in FIRMINY (42700), this company of category PME shows in 2022 a revenue of 52 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - BONNAVION INVESTISSEMENTS (SIREN 694501503)
Indicator 2022 2021 2020 2019 2018 2017 2016
Revenue 51 625 € 51 247 € 46 440 € 46 440 € 46 440 € 46 440 € 46 440 €
Net income 36 151 € 35 146 € 24 249 € 23 792 € 24 007 € 25 239 € 25 155 €
EBITDA 38 618 € 38 817 € 29 395 € 29 610 € 29 817 € 30 278 € 29 141 €
Net margin 70.0% 68.6% 52.2% 51.2% 51.7% 54.3% 54.2%

Revenue and income statement

In 2022, BONNAVION INVESTISSEMENTS achieves revenue of 52 k€. Revenue is growing positively over 7 years (CAGR: +1.8%). Vs 2021: +1%. After deducting consumption (0 €), gross margin stands at 52 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 39 k€, representing 74.8% 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 36 k€, i.e. 70.0% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

51 625 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

51 625 €

EBITDA (2022) ?
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

38 618 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

36 239 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

36 151 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

74.8%

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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 33%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 72%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 74.6% 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 (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

32.855%

Financial autonomy (2022) ?
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

72.412%

Cash flow / Revenue (2022) ?
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

74.636%

Repayment capacity (2022) ?
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

0.535

Asset age ratio (2022) ?
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

11.1%

Solvency indicators evolution
BONNAVION INVESTISSEMENTS

Sector positioning

Debt ratio
32.85 2022
2020
2021
2022
Q1: -74.34
Med: 11.43
Q3: 181.21
Average -10 pts over 3 years

In 2022, the debt ratio of BONNAVION INVESTISSEMENTS (32.85) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
72.41% 2022
2020
2021
2022
Q1: 1.95%
Med: 38.48%
Q3: 82.88%
Good +11 pts over 3 years

In 2022, the financial autonomy of BONNAVION INVESTISSEMENTS (72.4%) 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
0.54 years 2022
2020
2021
2022
Q1: -0.01 years
Med: 0.67 years
Q3: 10.42 years
Good -8 pts over 3 years

In 2022, the repayment capacity of BONNAVION INVESTISSEMENTS (0.54) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 1562.99. 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 0.2x. Danger: operating income does not cover interest charges, unsustainable situation.

Liquidity ratio (2022) ?
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

1562.987

Interest coverage (2022) ?
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

0.228

Liquidity indicators evolution
BONNAVION INVESTISSEMENTS

Sector positioning

Liquidity ratio
1562.99 2022
2020
2021
2022
Q1: 88.14
Med: 269.92
Q3: 1094.56
Excellent

In 2022, the liquidity ratio of BONNAVION INVESTISSEMENTS (1562.99) 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
0.23x 2022
2020
2021
2022
Q1: 0.0x
Med: 0.0x
Q3: 13.79x
Good

In 2022, the interest coverage of BONNAVION INVESTISSEMENTS (0.2x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 205 days. Excellent situation: suppliers finance 205 days of the operating cycle (retail model). WCR is negative (-3 days): operations structurally generate cash. Notable WCR improvement over the period (-219%), freeing up cash.

Operating WCR (2022) ?
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

-482 €

Customer credit (2022) ?
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 (2022) ?
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

205 j

Inventory turnover (2022) ?
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 (2022) ?
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

-3 j

WCR and payment terms evolution
BONNAVION INVESTISSEMENTS

Positioning of BONNAVION INVESTISSEMENTS in its sector

Comparison with sector Location de terrains et d'autres biens immobiliers

Valuation estimate

Based on 241 transactions of similar company sales in 2022, the value of BONNAVION INVESTISSEMENTS is estimated at 102 482 € (range 41 483€ - 234 147€). With an EBITDA of 38 618€, the sector multiple of 3.3x is applied. The price/revenue ratio is 0.68x (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 value 2022
241 transactions
41k€ 102k€ 234k€
102 482 € Range: 41 483€ - 234 147€
NAF 5 année 2022

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
38 618 € × 3.3x
Estimation 126 298 €
51 717€ - 280 916€
Revenue Multiple 30%
51 625 € × 0.68x
Estimation 34 855 €
15 770€ - 99 341€
Net Income Multiple 20%
36 151 € × 4.0x
Estimation 144 383 €
54 471€ - 319 434€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 241 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 BONNAVION INVESTISSEMENTS with other companies in the same sector:

Voir toutes les statistiques du secteur Location de terrains et d'autres biens immobiliers

Frequently asked questions about BONNAVION INVESTISSEMENTS

What is the revenue of BONNAVION INVESTISSEMENTS ?

The revenue of BONNAVION INVESTISSEMENTS in 2022 is 52 k€.

Is BONNAVION INVESTISSEMENTS profitable?

Yes, BONNAVION INVESTISSEMENTS generated a net profit of 36 k€ in 2022.

Where is the headquarters of BONNAVION INVESTISSEMENTS ?

The headquarters of BONNAVION INVESTISSEMENTS is located in FIRMINY (42700), in the department Loire.

Where to find the tax return of BONNAVION INVESTISSEMENTS ?

The tax return of BONNAVION INVESTISSEMENTS 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 BONNAVION INVESTISSEMENTS operate?

BONNAVION INVESTISSEMENTS 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.