FINANCIERE BANSARD INTERNATIONAL : revenue, balance sheet and financial ratios

FINANCIERE BANSARD INTERNATIONAL is a French company founded 18 years ago, specialized in the sector Activités des sociétés holding. Based in TREMBLAY-EN-FRANCE (93290), this company of category ETI shows in 2023 a revenue of 521 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

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

Financial history - FINANCIERE BANSARD INTERNATIONAL (SIREN 500583265)
Indicator 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 521 034 € 1 479 206 € 1 313 633 € 906 480 € 424 015 € 259 500 € N/C N/C
Net income 3 881 376 € 6 981 584 € 6 510 495 € 2 041 042 € 7 000 535 € 2 549 570 € 485 186 € 395 918 €
EBITDA -1 060 897 € 292 114 € 363 734 € 525 897 € 41 329 € 7 128 € -14 656 € -1 574 €
Net margin 744.9% 472.0% 495.6% 225.2% 1651.0% 982.5% N/C N/C

Revenue and income statement

In 2023, FINANCIERE BANSARD INTERNATIONAL achieves revenue of 521 k€. Over the period 2018-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +15.0%. Significant drop of -65% vs 2022. After deducting consumption (0 €), gross margin stands at 521 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 -1.1 M€, representing -203.6% of revenue. Warning negative scissor effect: despite revenue change (-65%), EBITDA varies by -463%, reducing margin by 223.4 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 3.9 M€, i.e. 744.9% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

521 034 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

521 034 €

EBITDA (2023) ?
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

-1 060 897 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-1 060 896 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

3 881 376 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-203.6%

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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 56%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 64%. 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 2.9 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 744.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

55.786%

Financial autonomy (2023) ?
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

63.979%

Cash flow / Revenue (2023) ?
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

744.937%

Repayment capacity (2023) ?
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

2.933

Solvency indicators evolution
FINANCIERE BANSARD INTERNATIONAL

Sector positioning

Debt ratio
55.79 2023
2021
2022
2023
Q1: 0.03
Med: 10.87
Q3: 70.22
Average +29 pts over 3 years

In 2023, the debt ratio of FINANCIERE BANSARD INTERN... (55.79) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
63.98% 2023
2021
2022
2023
Q1: 17.2%
Med: 61.39%
Q3: 90.77%
Good -22 pts over 3 years

In 2023, the financial autonomy of FINANCIERE BANSARD INTERN... (64.0%) 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.

Repayment capacity
2.93 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.09 years
Q3: 3.23 years
Average +21 pts over 3 years

In 2023, the repayment capacity of FINANCIERE BANSARD INTERN... (2.93) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 10674.22. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

10674.219

Interest coverage (2023) ?
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

-39.924

Liquidity indicators evolution
FINANCIERE BANSARD INTERNATIONAL

Sector positioning

Liquidity ratio
10674.22 2023
2021
2022
2023
Q1: 126.86
Med: 619.0
Q3: 3548.33
Excellent +24 pts over 3 years

In 2023, the liquidity ratio of FINANCIERE BANSARD INTERN... (10674.22) 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
-39.92x 2023
2021
2022
2023
Q1: -65.31x
Med: 0.0x
Q3: 0.0x
Average -40 pts over 3 years

In 2023, the interest coverage of FINANCIERE BANSARD INTERN... (-39.9x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 288 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 19 days. The gap of 269 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 7737 days of revenue, i.e. 11.2 M€ to permanently finance.

Operating WCR (2023) ?
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

11 197 495 €

Customer credit (2023) ?
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

288 j

Supplier credit (2023) ?
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

19 j

Inventory turnover (2023) ?
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 in days of revenue (2023) ?
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

7737 j

WCR and payment terms evolution
FINANCIERE BANSARD INTERNATIONAL

Positioning of FINANCIERE BANSARD INTERNATIONAL in its sector

Comparison with sector Activités des sociétés holding

Valuation estimate

Based on 63 transactions of similar company sales in 2023, the value of FINANCIERE BANSARD INTERNATIONAL is estimated at 14 557 093 € (range 2 694 944€ - 21 713 180€). The price/revenue ratio is 0.24x (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.
Medium reliability: estimate to be confirmed with in-depth analysis.

Estimated enterprise value 2023
63 tx
2694k€ 14557k€ 21713k€
14 557 093 € Range: 2 694 944€ - 21 713 180€
NAF 5 année 2023

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
521 034 € × 0.24x
Estimation 125 297 €
91 636€ - 372 119€
Net Income Multiple 20%
3 881 376 € × 9.3x
Estimation 36 204 787 €
6 599 908€ - 53 724 772€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 63 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 (Activités des sociétés holding)

Compare FINANCIERE BANSARD INTERNATIONAL with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sociétés holding

Frequently asked questions about FINANCIERE BANSARD INTERNATIONAL

What is the revenue of FINANCIERE BANSARD INTERNATIONAL ?

The revenue of FINANCIERE BANSARD INTERNATIONAL in 2023 is 521 k€.

Is FINANCIERE BANSARD INTERNATIONAL profitable?

Yes, FINANCIERE BANSARD INTERNATIONAL generated a net profit of 3.9 M€ in 2023.

Where is the headquarters of FINANCIERE BANSARD INTERNATIONAL ?

The headquarters of FINANCIERE BANSARD INTERNATIONAL is located in TREMBLAY-EN-FRANCE (93290), in the department Seine-Saint-Denis.

Where to find the tax return of FINANCIERE BANSARD INTERNATIONAL ?

The tax return of FINANCIERE BANSARD INTERNATIONAL 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 FINANCIERE BANSARD INTERNATIONAL operate?

FINANCIERE BANSARD INTERNATIONAL operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.