SIREN : 524612751
MAT ET BERTO is a French company founded 15 years ago, specialized in the sector Gestion de fonds. Based in NARBONNE (11100), this company of category PME shows in 2021 a revenue of 162 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|
| Revenue | 162 081 € | 145 909 € | 173 615 € | 200 649 € | 211 967 € | 235 280 € |
| Net income | 105 625 € | 1 897 € | 3 082 € | 16 992 € | 22 983 € | 10 394 € |
| EBITDA | -43 771 € | -3 713 € | 11 424 € | 23 044 € | 31 571 € | 17 309 € |
| Net margin | 65.2% | 1.3% | 1.8% | 8.5% | 10.8% | 4.4% |
In 2021, MAT ET BERTO achieves revenue of 162 k€. Revenue is declining over the period 2016-2021 (CAGR: -7.2%). Vs 2020, growth of +11% (146 k€ -> 162 k€). After deducting consumption (174 k€), gross margin stands at -12 k€, i.e. a rate of -7%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -44 k€, representing -27.0% of revenue. Warning negative scissor effect: despite revenue change (+11%), EBITDA varies by -1079%, reducing margin by 24.5 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 106 k€, i.e. 65.2% of revenue. This profit can be retained or distributed to shareholders.
162 081 €
-11 904 €
-43 771 €
-45 469 €
105 625 €
-26.5%
The debt ratio (= Financial debt / Equity x 100) stands at 13%. 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 8%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 66.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
12.741%
7.877%
66.796%
0.121
In 2021, the debt ratio of MAT ET BERTO (12.74) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2021, the financial autonomy of MAT ET BERTO (7.9%) 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 2021, the repayment capacity of MAT ET BERTO (0.12) 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 165.54. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
165.542
-0.697
In 2021, the liquidity ratio of MAT ET BERTO (165.54) 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 2021, the interest coverage of MAT ET BERTO (-0.7x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 80 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 461 days. Excellent situation: suppliers finance 381 days of the operating cycle (retail model). Overall, WCR represents 175 days of revenue, i.e. 79 k€ to permanently finance. Over 2016-2021, WCR increased by +20%, requiring additional financing.
78 791 €
80 j
461 j
0 j
175 j
Based on 76 transactions of similar company sales
in 2021,
the value of MAT ET BERTO is estimated at
494 453 €
(range 124 664€ - 667 633€).
The price/revenue ratio is 0.33x
(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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 76 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 MAT ET BERTO with other companies in the same sector:
The revenue of MAT ET BERTO in 2021 is 162 k€.
Yes, MAT ET BERTO generated a net profit of 106 k€ in 2021.
The headquarters of MAT ET BERTO is located in NARBONNE (11100), in the department Aude.
The tax return of MAT ET BERTO 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).
MAT ET BERTO operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.