Employees: 11 (2023.0)Legal category: Société à responsabilité limitée (sans autre indication)Size: PMECreation date: 2017-06-23 (8 years)Status: ActiveBusiness sector: Travaux d'isolationLocation: SAINT-EVARZEC (29170), Finistere
Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.
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.
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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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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Item
Year
%
Change
Liabilities balance sheet data not available for this company
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)
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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)
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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
2020
2021
2022
2023
2024
2025
Debt ratio
27.879
18.454
7.449
3.941
8.532
78.558
Financial autonomy
47.023
46.135
52.001
64.797
52.678
34.476
Repayment capacity
None
None
0.117
None
None
None
Cash flow / Revenue
None%
None%
17.081%
None%
None%
None%
Sector positioning
Debt ratio
78.562025
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)
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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
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2020
2021
2022
2023
2024
2025
Liquidity ratio
209.008
195.268
205.481
280.915
196.14
220.487
Interest coverage
None
None
2.263
None
None
None
Sector positioning
Liquidity ratio
220.492025
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
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2020
2021
2022
2023
2024
2025
Operating WCR
0 €
0 €
-18 038 €
0 €
0 €
0 €
Inventory turnover (days)
0
0
9
0
0
0
Customer payment term (days)
0
0
35
0
0
0
Supplier payment term (days)
0
0
21
0
0
0
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 value2025
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
Visualisation creee via abddaf.fr Sources : BODACC & INPI
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:
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.
Item evolution
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