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MONTEILLER BERNARD SARL : revenue, balance sheet and financial ratios

MONTEILLER BERNARD SARL is a French company founded 28 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in CELLIEU (42320), this company of category PME shows in 2018 a revenue of 20 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

Financial history - MONTEILLER BERNARD SARL (SIREN 418557989)
Indicator 2021 2018
Revenue N/C 19 875 €
Net income 19 354 € 9 100 €
EBITDA N/C 16 546 €
Net margin N/C 45.8%

Revenue and income statement

In 2021, MONTEILLER BERNARD SARL generates positive net income of 19 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2018-2021: 9 k€ -> 19 k€.

Net income (2021) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

19 354 €

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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 92%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 36%. The balance between equity and debt is satisfactory.

Debt ratio (2021) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

91.549%

Financial autonomy (2021) ?
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

36.011%

Asset age ratio (2021) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

22.4%

Solvency indicators evolution
MONTEILLER BERNARD SARL

Sector positioning

Debt ratio
91.55 2021
2018
2021
Q1: -2.0
Med: 12.57
Q3: 178.71
Average -13 pts over 2 years

In 2021, the debt ratio of MONTEILLER BERNARD SARL (91.55) 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
36.01% 2021
2018
2021
Q1: 2.35%
Med: 38.31%
Q3: 81.37%
Average +8 pts over 2 years

In 2021, the financial autonomy of MONTEILLER BERNARD SARL (36.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
2.52 years 2018
2018
Q1: 0.0 years
Med: 0.5 years
Q3: 8.02 years
Average

In 2018, the repayment capacity of MONTEILLER BERNARD SARL (2.52) 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 64.56. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2021) ?
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

64.559

Liquidity indicators evolution
MONTEILLER BERNARD SARL

Sector positioning

Liquidity ratio
64.56 2021
2018
2021
Q1: 84.53
Med: 265.45
Q3: 1031.63
Watch

In 2021, the liquidity ratio of MONTEILLER BERNARD SARL (64.56) 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.

Interest coverage
0.74x 2018
2018
Q1: 0.0x
Med: 0.03x
Q3: 14.62x
Good

In 2018, the interest coverage of MONTEILLER BERNARD SARL (0.7x) 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 (2021) ?
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 (2021) ?
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 (2021) ?
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 (2021) ?
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
MONTEILLER BERNARD SARL

Positioning of MONTEILLER BERNARD SARL in its sector

Comparison with sector Location de terrains et d'autres biens immobiliers

Valuation estimate

Based on 178 transactions of similar company sales in 2021, the value of MONTEILLER BERNARD SARL is estimated at 126 246 € (range 52 422€ - 276 268€). 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 2021
178 transactions
52k€ 126k€ 276k€
126 246 € Range: 52 422€ - 276 268€
NAF 5 année 2021

Valuation method used

Net Income Multiple
19 354 € × 6.5x = 126 247 €
Range: 52 422€ - 276 269€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 178 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 (Location de terrains et d'autres biens immobiliers)

Compare MONTEILLER BERNARD SARL with other companies in the same sector:

Voir toutes les statistiques du secteur Location de terrains et d'autres biens immobiliers

Frequently asked questions about MONTEILLER BERNARD SARL

What is the revenue of MONTEILLER BERNARD SARL ?

The revenue of MONTEILLER BERNARD SARL in 2018 is 20 k€.

Is MONTEILLER BERNARD SARL profitable?

Yes, MONTEILLER BERNARD SARL generated a net profit of 19 k€ in 2021.

Where is the headquarters of MONTEILLER BERNARD SARL ?

The headquarters of MONTEILLER BERNARD SARL is located in CELLIEU (42320), in the department Loire.

Where to find the tax return of MONTEILLER BERNARD SARL ?

The tax return of MONTEILLER BERNARD SARL 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 MONTEILLER BERNARD SARL operate?

MONTEILLER BERNARD SARL operates in the sector Location de terrains et d'autres biens immobiliers (NAF code 68.20B). See the 'Sector positioning' section above to compare the company with its competitors.