SIREN : 537413312
FINANCIERE BERNARD is a French company founded 14 years ago, specialized in the sector Activités des sociétés holding. Based in LA GORGUE (59253), this company of category PME shows in 2024 a revenue of 316 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 315 735 € | 304 590 € | 289 710 € | 196 600 € | 179 600 € | N/C | N/C | 167 310 € | 162 662 € |
| Net income | 160 184 € | 189 596 € | 157 749 € | 63 133 € | 114 118 € | 114 637 € | 102 174 € | 79 717 € | 58 434 € |
| EBITDA | 19 155 € | 18 246 € | 9 451 € | -27 852 € | 24 561 € | -3 582 € | -5 121 € | 64 142 € | 59 406 € |
| Net margin | 50.7% | 62.2% | 54.5% | 32.1% | 63.5% | N/C | N/C | 47.6% | 35.9% |
In 2024, FINANCIERE BERNARD achieves revenue of 316 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +8.6%. Vs 2023: +4%. After deducting consumption (0 €), gross margin stands at 316 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 19 k€, representing 6.1% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 160 k€, i.e. 50.7% of revenue. This profit can be retained or distributed to shareholders.
315 735 €
315 735 €
19 155 €
20 273 €
160 184 €
6.1%
The debt ratio (= Financial debt / Equity x 100) stands at 19%. 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 82%. 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 2.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 50.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
18.894%
82.222%
50.442%
2.016
In 2024, the debt ratio of FINANCIERE BERNARD (18.89) 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 2024, the financial autonomy of FINANCIERE BERNARD (82.2%) 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 2024, the repayment capacity of FINANCIERE BERNARD (2.02) 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 587.99. 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 43.1x. Operating income very largely covers interest expenses: high safety margin.
587.994
43.08
In 2024, the liquidity ratio of FINANCIERE BERNARD (587.99) 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 2024, the interest coverage of FINANCIERE BERNARD (43.1x) 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: 15 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 284 days. Excellent situation: suppliers finance 269 days of the operating cycle (retail model). Overall, WCR represents 17 days of revenue, i.e. 15 k€ to permanently finance. Over 2016-2024, WCR increased by +373%, requiring additional financing.
14 660 €
15 j
284 j
0 j
17 j
Based on 54 transactions of similar company sales
in 2024,
the value of FINANCIERE BERNARD is estimated at
148 856 €
(range 72 365€ - 385 379€).
With an EBITDA of 19 155€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.59x
(in line with sector norms).
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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 54 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 FINANCIERE BERNARD with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of FINANCIERE BERNARD in 2024 is 316 k€.
Yes, FINANCIERE BERNARD generated a net profit of 160 k€ in 2024.
The headquarters of FINANCIERE BERNARD is located in LA GORGUE (59253), in the department Nord.
The tax return of FINANCIERE BERNARD 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).
FINANCIERE BERNARD 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.