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FINANCIERE BERTRAND CLEMENT : revenue, balance sheet and financial ratios

FINANCIERE BERTRAND CLEMENT is a French company founded 8 years ago, specialized in the sector Activités des sièges sociaux. Based in SAINT-GILDAS-DES-BOIS (44530), this company of category PME shows in 2024 a net income positive of 136 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

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

Financial history - FINANCIERE BERTRAND CLEMENT (SIREN 833785348)
Indicator 2024 2023 2022 2021 2020 2019 2018
Revenue N/C N/C N/C N/C N/C N/C N/C
Net income 136 017 € 104 190 € 126 847 € 125 481 € 76 301 € 168 € 36 935 €
EBITDA -56 € -257 € -82 € -107 € -79 € -1 281 € -1 223 €
Net margin N/C N/C N/C N/C N/C N/C N/C

Revenue and income statement

In 2024, FINANCIERE BERTRAND CLEMENT generates positive net income of 136 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2018-2024: 37 k€ -> 136 k€.

EBITDA (2024) ?
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

-56 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-56 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

136 017 €

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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 0%. 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 100%. 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 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.38%

Financial autonomy (2024) ?
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

99.579%

Repayment capacity (2024) ?
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

0.031

Solvency indicators evolution
FINANCIERE BERTRAND CLEMENT

Sector positioning

Debt ratio
0.38 2024
2022
2023
2024
Q1: 0.06
Med: 14.6
Q3: 89.53
Good

In 2024, the debt ratio of FINANCIERE BERTRAND CLEMENT (0.38) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
99.58% 2024
2022
2023
2024
Q1: 11.56%
Med: 51.97%
Q3: 85.23%
Excellent

In 2024, the financial autonomy of FINANCIERE BERTRAND CLEMENT (99.6%) 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.

Repayment capacity
0.03 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.2 years
Q3: 3.73 years
Good

In 2024, the repayment capacity of FINANCIERE BERTRAND CLEMENT (0.03) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 38864.87. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
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

38864.871

Interest coverage (2024) ?
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
FINANCIERE BERTRAND CLEMENT

Sector positioning

Liquidity ratio
38864.87 2024
2023
2024
Q1: 116.68
Med: 458.4
Q3: 2174.13
Excellent

In 2024, the liquidity ratio of FINANCIERE BERTRAND CLEMENT (38864.87) 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 2024
2022
2023
2024
Q1: -45.52x
Med: 0.0x
Q3: 2.86x
Good

In 2024, the interest coverage of FINANCIERE BERTRAND CLEMENT (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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2024) ?
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

0 €

Customer credit (2024) ?
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

0 j

Supplier credit (2024) ?
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

0 j

Inventory turnover (2024) ?
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 and payment terms evolution
FINANCIERE BERTRAND CLEMENT

Positioning of FINANCIERE BERTRAND CLEMENT in its sector

Comparison with sector Activités des sièges sociaux

Valuation estimate

Based on 103 transactions of similar company sales in 2024, the value of FINANCIERE BERTRAND CLEMENT is estimated at 1 293 238 € (range 444 050€ - 3 482 286€). 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 2024
103 transactions
444k€ 1293k€ 3482k€
1 293 238 € Range: 444 050€ - 3 482 286€
NAF 5 année 2024

Valuation method used

Net Income Multiple
136 017 € × 9.5x = 1 293 239 €
Range: 444 051€ - 3 482 286€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 103 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 sièges sociaux)

Compare FINANCIERE BERTRAND CLEMENT with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sièges sociaux

Frequently asked questions about FINANCIERE BERTRAND CLEMENT

What is the revenue of FINANCIERE BERTRAND CLEMENT ?

The revenue of FINANCIERE BERTRAND CLEMENT is not publicly disclosed (confidential accounts filed with INPI).

Is FINANCIERE BERTRAND CLEMENT profitable?

Yes, FINANCIERE BERTRAND CLEMENT generated a net profit of 136 k€ in 2024.

Where is the headquarters of FINANCIERE BERTRAND CLEMENT ?

The headquarters of FINANCIERE BERTRAND CLEMENT is located in SAINT-GILDAS-DES-BOIS (44530), in the department Loire-Atlantique.

Where to find the tax return of FINANCIERE BERTRAND CLEMENT ?

The tax return of FINANCIERE BERTRAND CLEMENT 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 BERTRAND CLEMENT operate?

FINANCIERE BERTRAND CLEMENT operates in the sector Activités des sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.