SIREN : 500553359
FERNANDEZ is a French company founded 18 years ago, specialized in the sector Services administratifs combinés de bureau. Based in LA ROCHE-SUR-YON (85000), this company of category PME shows in 2025 a revenue of 208 k€. 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
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 207 901 € | 229 663 € | 221 361 € | 213 733 € | 199 977 € | 148 523 € | 110 889 € | 42 662 € | 22 788 € | 14 578 € |
| Net income | 130 726 € | 190 929 € | 99 793 € | 171 969 € | 7 412 € | 82 566 € | 30 023 € | 77 823 € | 42 039 € | 18 876 € |
| EBITDA | 182 401 € | 204 617 € | 198 598 € | 191 054 € | 168 957 € | 61 388 € | 97 914 € | 28 259 € | -9 751 € | -2 706 € |
| Net margin | 62.9% | 83.1% | 45.1% | 80.5% | 3.7% | 55.6% | 27.1% | 182.4% | 184.5% | 129.5% |
In 2025, FERNANDEZ achieves revenue of 208 k€. Over the period 2015-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +30.4%. Slight decline of -9% vs 2024. After deducting consumption (0 €), gross margin stands at 208 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 182 k€, representing 87.7% 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 131 k€, i.e. 62.9% of revenue. This profit can be retained or distributed to shareholders.
207 901 €
207 901 €
182 401 €
57 531 €
130 726 €
87.7%
The debt ratio (= Financial debt / Equity x 100) stands at 120%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 54%. 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 4.7 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 122.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
119.609%
53.532%
122.91%
4.659
60.5%
In 2025, the debt ratio of FERNANDEZ (119.61) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2025, the financial autonomy of FERNANDEZ (53.5%) 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.
In 2025, the repayment capacity of FERNANDEZ (4.66) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 174.04. 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 10.6x. Operating income very largely covers interest expenses: high safety margin.
174.042
10.628
In 2025, the liquidity ratio of FERNANDEZ (174.04) 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.
In 2025, the interest coverage of FERNANDEZ (10.6x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 48 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 590 days. Excellent situation: suppliers finance 542 days of the operating cycle (retail model). WCR is negative (-28 days): operations structurally generate cash. Notable WCR improvement over the period (-78%), freeing up cash.
-16 428 €
48 j
590 j
0 j
-28 j
Based on 173 transactions of similar company sales (all years), the value of FERNANDEZ is estimated at 429 540 € (range 128 220€ - 910 107€). With an EBITDA of 182 401€, 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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare FERNANDEZ with other companies in the same sector:
Voir toutes les statistiques du secteur Services administratifs combinés de bureau
The revenue of FERNANDEZ in 2025 is 208 k€.
Yes, FERNANDEZ generated a net profit of 131 k€ in 2025.
The headquarters of FERNANDEZ is located in LA ROCHE-SUR-YON (85000), in the department Vendee.
The tax return of FERNANDEZ 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).
FERNANDEZ 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.