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BZH QUALITE : revenue, balance sheet and financial ratios

BZH QUALITE is a French company founded 8 years ago, specialized in the sector Travaux d'isolation. Based in SAINT-EVARZEC (29170), this company of category PME shows in 2022 a revenue of 1.6 M€. 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

Financial history - BZH QUALITE (SIREN 830589685)
Indicator 2025 2024 2023 2022 2021 2020
Revenue N/C N/C N/C 1 557 646 € N/C N/C
Net income 111 212 € 79 224 € 313 699 € 268 479 € 188 995 € 145 134 €
EBITDA N/C N/C N/C 358 176 € N/C N/C
Net margin N/C N/C N/C 17.2% N/C N/C

Revenue and income statement

In 2025, BZH QUALITE generates positive net income of 111 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2020-2025: 145 k€ -> 111 k€.

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

111 212 €

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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 79%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 34%. The balance between equity and debt is satisfactory.

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

78.558%

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

34.476%

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

55.3%

Solvency indicators evolution
BZH QUALITE

Sector positioning

Debt ratio
78.56 2025
2023
2024
2025
Q1: 2.91
Med: 14.22
Q3: 41.09
Watch +47 pts over 3 years

In 2025, the debt ratio of BZH QUALITE (78.56) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
34.48% 2025
2023
2024
2025
Q1: 21.74%
Med: 39.91%
Q3: 59.98%
Average -33 pts over 3 years

In 2025, the financial autonomy of BZH QUALITE (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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 220.49. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

220.487

Liquidity indicators evolution
BZH QUALITE

Sector positioning

Liquidity ratio
220.49 2025
2023
2024
2025
Q1: 142.88
Med: 202.08
Q3: 296.57
Good -19 pts over 3 years

In 2025, the liquidity ratio of BZH QUALITE (220.49) 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.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

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

0 €

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 and payment terms evolution
BZH QUALITE

Positioning of BZH QUALITE in its sector

Comparison with sector Travaux d'isolation

Valuation estimate

Based on 58 transactions of similar company sales (all years), the value of BZH QUALITE is estimated at 408 126 € (range 205 764€ - 1 189 579€). 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
58 tx
205k€ 408k€ 1189k€
408 126 € Range: 205 764€ - 1 189 579€
NAF 5 all-time

Valuation method used

Net Income Multiple
111 212 € × 3.7x = 408 127 €
Range: 205 765€ - 1 189 579€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 58 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 (Travaux d'isolation)

Compare BZH QUALITE with other companies in the same sector:

Frequently asked questions about BZH QUALITE

What is the revenue of BZH QUALITE ?

The revenue of BZH QUALITE in 2022 is 1.6 M€.

Is BZH QUALITE profitable?

Yes, BZH QUALITE generated a net profit of 111 k€ in 2025.

Where is the headquarters of BZH QUALITE ?

The headquarters of BZH QUALITE is located in SAINT-EVARZEC (29170), in the department Finistere.

Where to find the tax return of BZH QUALITE ?

The tax return of BZH QUALITE 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 BZH QUALITE operate?

BZH QUALITE operates in the sector Travaux d'isolation (NAF code 43.29A). See the 'Sector positioning' section above to compare the company with its competitors.