SIREN : 788909547
FINANCE ET BETON is a French company founded 13 years ago, specialized in the sector Services administratifs combinés de bureau. Based in PONT-SAINT-MARTIN (44860), this company of category PME shows in 2024 a revenue of 138 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 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 138 494 € | 161 367 € | 127 832 € | 122 901 € | 119 908 € | 110 552 € | 105 816 € | 98 804 € | 105 519 € |
| Net income | 580 € | 121 432 € | 123 631 € | 83 645 € | 83 833 € | 42 123 € | 41 588 € | 32 005 € | 19 002 € |
| EBITDA | 641 € | 25 629 € | 3 150 € | 3 618 € | 3 198 € | 3 067 € | 2 221 € | -3 890 € | -1 236 € |
| Net margin | 0.4% | 75.3% | 96.7% | 68.1% | 69.9% | 38.1% | 39.3% | 32.4% | 18.0% |
In 2024, FINANCE ET BETON achieves revenue of 138 k€. Revenue is growing positively over 9 years (CAGR: +3.5%). Significant drop of -14% vs 2023. After deducting consumption (0 €), gross margin stands at 138 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 641 €, representing 0.5% of revenue. Warning negative scissor effect: despite revenue change (-14%), EBITDA varies by -97%, reducing margin by 15.4 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 580 €, i.e. 0.4% of revenue. This profit can be retained or distributed to shareholders.
138 494 €
138 494 €
641 €
641 €
580 €
0.5%
The debt ratio (= Financial debt / Equity x 100) stands at 2%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. Financial autonomy (= Equity / Total assets x 100) reaches 97%. 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 22.5 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 0.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
2.152%
96.971%
0.419%
22.5
In 2024, the debt ratio of FINANCE ET BETON (2.15) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of FINANCE ET BETON (97.0%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2024, the repayment capacity of FINANCE ET BETON (22.50) 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 7402.41. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
7402.41
0.0
In 2024, the liquidity ratio of FINANCE ET BETON (7402.41) 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.
In 2024, the interest coverage of FINANCE ET BETON (0.0x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
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: 2 days. The gap of 46 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 41 days of revenue, i.e. 16 k€ to permanently finance. Over 2016-2024, WCR increased by +867%, requiring additional financing.
15 747 €
48 j
2 j
0 j
41 j
Based on 173 transactions of similar company sales (all years), the value of FINANCE ET BETON is estimated at 17 481 € (range 7 132€ - 39 313€). With an EBITDA of 641€, 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.
Ajustez les pondérations selon votre analyse
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 FINANCE ET BETON with other companies in the same sector:
Voir toutes les statistiques du secteur Services administratifs combinés de bureau
The revenue of FINANCE ET BETON in 2024 is 138 k€.
Yes, FINANCE ET BETON generated a net profit of 580€ in 2024.
The headquarters of FINANCE ET BETON is located in PONT-SAINT-MARTIN (44860), in the department Loire-Atlantique.
The tax return of FINANCE ET BETON 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).
FINANCE ET BETON 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.