BUREAU NATIONAL DE L'HABITAT : revenue, balance sheet and financial ratios

BUREAU NATIONAL DE L'HABITAT is a French company founded 14 years ago, specialized in the sector Services administratifs combinés de bureau. Based in L'UNION (31240), this company of category PME shows in 2020 a revenue of 289 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 - BUREAU NATIONAL DE L'HABITAT (SIREN 750370009)
Indicator 2020 2019 2018
Revenue 288 797 € 264 071 € 298 901 €
Net income 254 224 € 18 029 € 13 142 €
EBITDA 32 245 € 26 304 € 25 178 €
Net margin 88.0% 6.8% 4.4%

Revenue and income statement

In 2020, BUREAU NATIONAL DE L'HABITAT achieves revenue of 289 k€. Activity remains stable over the period (CAGR: -1.7%). Vs 2019: +9%. After deducting consumption (1 €), gross margin stands at 289 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 32 k€, representing 11.2% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 254 k€, i.e. 88.0% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2020) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

288 797 €

Gross margin (2020) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

288 796 €

EBITDA (2020) ?
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

32 245 €

EBIT (2020) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

54 544 €

Net income (2020) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

254 224 €

EBITDA margin (2020) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

11.2%

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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 43%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 34%. The balance between equity and debt is satisfactory. 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 93.8% 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 (2020) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

43.348%

Financial autonomy (2020) ?
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

34.449%

Cash flow / Revenue (2020) ?
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

93.751%

Repayment capacity (2020) ?
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

0.485

Asset age ratio (2020) ?
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

49.7%

Solvency indicators evolution
BUREAU NATIONAL DE L'HABITAT

Sector positioning

Debt ratio
43.35 2020
2018
2019
2020
Q1: 0.03
Med: 17.54
Q3: 128.87
Average

In 2020, the debt ratio of BUREAU NATIONAL DE L'HABITAT (43.35) 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
34.45% 2020
2018
2019
2020
Q1: 8.73%
Med: 42.31%
Q3: 79.51%
Average +19 pts over 3 years

In 2020, the financial autonomy of BUREAU NATIONAL DE L'HABITAT (34.5%) 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
0.48 years 2020
2018
2019
2020
Q1: 0.0 years
Med: 0.02 years
Q3: 3.58 years
Average

In 2020, the repayment capacity of BUREAU NATIONAL DE L'HABITAT (0.48) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 116.53. 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 12.4x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2020) ?
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

116.527

Interest coverage (2020) ?
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

12.359

Liquidity indicators evolution
BUREAU NATIONAL DE L'HABITAT

Sector positioning

Liquidity ratio
116.53 2020
2018
2019
2020
Q1: 106.38
Med: 259.99
Q3: 915.1
Average

In 2020, the liquidity ratio of BUREAU NATIONAL DE L'HABITAT (116.53) 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
12.36x 2020
2018
2019
2020
Q1: -10.9x
Med: 0.0x
Q3: 0.39x
Excellent +25 pts over 3 years

In 2020, the interest coverage of BUREAU NATIONAL DE L'HABITAT (12.4x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.

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: 119 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 69 days. The gap of 50 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. WCR is negative (-216 days): operations structurally generate cash. Notable WCR improvement over the period (-211%), freeing up cash.

Operating WCR (2020) ?
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

-173 636 €

Customer credit (2020) ?
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

119 j

Supplier credit (2020) ?
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

69 j

Inventory turnover (2020) ?
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 (2020) ?
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

-216 j

WCR and payment terms evolution
BUREAU NATIONAL DE L'HABITAT

Positioning of BUREAU NATIONAL DE L'HABITAT in its sector

Comparison with sector Services administratifs combinés de bureau

Valuation estimate

Based on 173 transactions of similar company sales (all years), the value of BUREAU NATIONAL DE L'HABITAT is estimated at 267 899 € (range 91 969€ - 667 126€). With an EBITDA of 32 245€, the sector multiple of 3.4x is applied. The price/revenue ratio is 0.38x (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 2020
173 transactions
91k€ 267k€ 667k€
267 899 € Range: 91 969€ - 667 126€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
32 245 € × 3.4x
Estimation 110 814 €
30 359€ - 214 521€
Revenue Multiple 30%
288 797 € × 0.38x
Estimation 111 013 €
46 484€ - 250 754€
Net Income Multiple 20%
254 224 € × 3.5x
Estimation 895 944 €
314 225€ - 2 423 198€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 173 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 (Services administratifs combinés de bureau)

Compare BUREAU NATIONAL DE L'HABITAT with other companies in the same sector:

Voir toutes les statistiques du secteur Services administratifs combinés de bureau

Frequently asked questions about BUREAU NATIONAL DE L'HABITAT

What is the revenue of BUREAU NATIONAL DE L'HABITAT ?

The revenue of BUREAU NATIONAL DE L'HABITAT in 2020 is 289 k€.

Is BUREAU NATIONAL DE L'HABITAT profitable?

Yes, BUREAU NATIONAL DE L'HABITAT generated a net profit of 254 k€ in 2020.

Where is the headquarters of BUREAU NATIONAL DE L'HABITAT ?

The headquarters of BUREAU NATIONAL DE L'HABITAT is located in L'UNION (31240), in the department Haute-Garonne.

Where to find the tax return of BUREAU NATIONAL DE L'HABITAT ?

The tax return of BUREAU NATIONAL DE L'HABITAT 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 BUREAU NATIONAL DE L'HABITAT operate?

BUREAU NATIONAL DE L'HABITAT operates in the sector Services administratifs combinés de bureau (NAF code 82.11Z). See the 'Sector positioning' section above to compare the company with its competitors.