SIREN : 834404527
HOLDING BERNAL is a French company founded 8 years ago, specialized in the sector Services administratifs combinés de bureau. Based in ARGELES-GAZOST (65400), this company of category PME shows in 2024 a revenue of 242 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 |
|---|---|---|---|---|---|---|---|
| Revenue | 242 400 € | 187 200 € | N/C | N/C | N/C | N/C | N/C |
| Net income | 3 449 € | 3 977 € | 83 842 € | 45 377 € | 20 712 € | 25 424 € | -16 324 € |
| EBITDA | 2 176 € | -13 615 € | -3 327 € | -5 109 € | -6 287 € | -5 557 € | -7 437 € |
| Net margin | 1.4% | 2.1% | N/C | N/C | N/C | N/C | N/C |
In 2024, HOLDING BERNAL achieves revenue of 242 k€. Over the period 2023-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +29.5%. Vs 2023, growth of +29% (187 k€ -> 242 k€). After deducting consumption (0 €), gross margin stands at 242 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 2 k€, representing 0.9% of revenue. Positive scissor effect: EBITDA margin improves by +8.2 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 3 k€, i.e. 1.4% of revenue. This profit can be retained or distributed to shareholders.
242 400 €
242 400 €
2 176 €
4 014 €
3 449 €
0.9%
The debt ratio (= Financial debt / Equity x 100) stands at 20%. 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 12%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 18.7 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 1.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
20.418%
12.041%
1.423%
18.734
In 2024, the debt ratio of HOLDING BERNAL (20.42) 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 HOLDING BERNAL (12.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of HOLDING BERNAL (18.73) 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 16.91. 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 48.6x. Operating income very largely covers interest expenses: high safety margin.
16.909
48.621
In 2024, the liquidity ratio of HOLDING BERNAL (16.91) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.
In 2024, the interest coverage of HOLDING BERNAL (48.6x) 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: 22 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 99 days. Excellent situation: suppliers finance 77 days of the operating cycle (retail model). WCR is negative (-192 days): operations structurally generate cash.
-129 260 €
22 j
99 j
0 j
-192 j
Based on 173 transactions of similar company sales (all years), the value of HOLDING BERNAL is estimated at 34 123 € (range 13 581€ - 76 954€). With an EBITDA of 2 176€, 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 HOLDING BERNAL with other companies in the same sector:
Voir toutes les statistiques du secteur Services administratifs combinés de bureau
The revenue of HOLDING BERNAL in 2024 is 242 k€.
Yes, HOLDING BERNAL generated a net profit of 3 k€ in 2024.
The headquarters of HOLDING BERNAL is located in ARGELES-GAZOST (65400), in the department Hautes-Pyrenees.
The tax return of HOLDING BERNAL 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).
HOLDING BERNAL 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.