COUVERTURE BERGONZI FRERES : revenue, balance sheet and financial ratios

COUVERTURE BERGONZI FRERES is a French company founded 25 years ago, specialized in the sector Travaux de couverture par éléments. Based in COURTRY (77181), this company of category PME shows in 2025 a revenue of 202 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-11

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

Financial history - COUVERTURE BERGONZI FRERES (SIREN 435117866)
Indicator 2025 2024 2023 2021 2020 2019 2018 2017
Revenue 201 671 € 173 962 € 154 542 € 123 413 € 100 227 € 178 996 € 185 040 € 181 899 €
Net income -29 197 € 49 212 € 5 889 € -35 468 € -23 087 € 2 210 € 67 037 € -71 246 €
EBITDA -29 043 € 30 401 € 5 137 € -35 442 € -23 085 € 8 460 € 68 529 € -67 850 €
Net margin -14.5% 28.3% 3.8% -28.7% -23.0% 1.2% 36.2% -39.2%

Revenue and income statement

In 2025, COUVERTURE BERGONZI FRERES achieves revenue of 202 k€. Revenue is growing positively over 8 years (CAGR: +1.3%). Vs 2024, growth of +16% (174 k€ -> 202 k€). After deducting consumption (57 k€), gross margin stands at 145 k€, i.e. a rate of 72%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -29 k€, representing -14.4% of revenue. Warning negative scissor effect: despite revenue change (+16%), EBITDA varies by -196%, reducing margin by 31.9 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -29 k€ (-14.5% of revenue), which will impact equity.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

201 671 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

144 502 €

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

-29 043 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-29 197 €

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

-29 197 €

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

-14.4%

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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 190%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 25%. 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

190.234%

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

24.694%

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

-14.404%

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

-0.825

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

7.0%

Solvency indicators evolution
COUVERTURE BERGONZI FRERES

Sector positioning

Debt ratio
190.23 2025
2023
2024
2025
Q1: 5.71
Med: 19.62
Q3: 43.29
Watch +51 pts over 3 years

In 2025, the debt ratio of COUVERTURE BERGONZI FRERES (190.23) 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
24.69% 2025
2023
2024
2025
Q1: 30.48%
Med: 48.57%
Q3: 63.03%
Watch

In 2025, the financial autonomy of COUVERTURE BERGONZI FRERES (24.7%) ranks in the bottom 25% of the sector. This ratio represents the share of equity in total financing. Low autonomy may limit investment capacity and increase vulnerability.

Repayment capacity
-0.82 years 2025
2023
2024
2025
Q1: 0.12 years
Med: 0.71 years
Q3: 1.63 years
Excellent -58 pts over 3 years

In 2025, the repayment capacity of COUVERTURE BERGONZI FRERES (-0.82) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 332.21. 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

332.212

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
COUVERTURE BERGONZI FRERES

Sector positioning

Liquidity ratio
332.21 2025
2023
2024
2025
Q1: 164.24
Med: 227.26
Q3: 326.5
Excellent +51 pts over 3 years

In 2025, the liquidity ratio of COUVERTURE BERGONZI FRERES (332.21) 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
0.0x 2025
2023
2024
2025
Q1: 0.22x
Med: 1.4x
Q3: 4.68x
Watch

In 2025, the interest coverage of COUVERTURE BERGONZI FRERES (0.0x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.

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: 2 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 13 days. Favorable situation: supplier credit is longer than customer credit by 11 days. Inventory turnover is 23 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 16 days of revenue, i.e. 9 k€ to permanently finance. Notable WCR improvement over the period (-36%), freeing up cash.

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

8 936 €

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

2 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

13 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

23 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

16 j

WCR and payment terms evolution
COUVERTURE BERGONZI FRERES

Positioning of COUVERTURE BERGONZI FRERES in its sector

Comparison with sector Travaux de couverture par éléments

Valuation estimate

Based on 113 transactions of similar company sales (all years), the value of COUVERTURE BERGONZI FRERES is estimated at 31 277 € (range 20 336€ - 51 190€). The price/revenue ratio is 0.16x (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 2025
113 transactions
20k€ 31k€ 51k€
31 277 € Range: 20 336€ - 51 190€
NAF 5 all-time

Valuation method used

Revenue Multiple
201 671 € × 0.16x = 31 278 €
Range: 20 337€ - 51 191€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 113 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 de couverture par éléments)

Compare COUVERTURE BERGONZI FRERES with other companies in the same sector:

Voir toutes les statistiques du secteur Travaux de couverture par éléments

Frequently asked questions about COUVERTURE BERGONZI FRERES

What is the revenue of COUVERTURE BERGONZI FRERES ?

The revenue of COUVERTURE BERGONZI FRERES in 2025 is 202 k€.

Is COUVERTURE BERGONZI FRERES profitable?

COUVERTURE BERGONZI FRERES recorded a net loss in 2025.

Where is the headquarters of COUVERTURE BERGONZI FRERES ?

The headquarters of COUVERTURE BERGONZI FRERES is located in COURTRY (77181), in the department Seine-et-Marne.

Where to find the tax return of COUVERTURE BERGONZI FRERES ?

The tax return of COUVERTURE BERGONZI FRERES 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 COUVERTURE BERGONZI FRERES operate?

COUVERTURE BERGONZI FRERES operates in the sector Travaux de couverture par éléments (NAF code 43.91B). See the 'Sector positioning' section above to compare the company with its competitors.