OLIVIER BERNARD : revenue, balance sheet and financial ratios

OLIVIER BERNARD is a French company founded 32 years ago, specialized in the sector Travaux de menuiserie bois et PVC. Based in CERIZAY (79140), this company of category PME shows in 2021 a revenue of 2.5 M€. 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 - OLIVIER BERNARD (SIREN 393909320)
Indicator 2023 2021 2020 2019 2018 2017 2016 2015
Revenue N/C 2 474 822 € 2 043 814 € 2 626 475 € N/C N/C N/C 2 108 699 €
Net income 263 986 € 92 346 € 74 284 € 182 407 € 2 425 € 8 642 € 5 354 € 16 484 €
EBITDA N/C 115 379 € 70 154 € 159 139 € N/C N/C N/C 30 160 €
Net margin N/C 3.7% 3.6% 6.9% N/C N/C N/C 0.8%

Revenue and income statement

In 2023, OLIVIER BERNARD generates positive net income of 264 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2015-2023: 16 k€ -> 264 k€.

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

263 986 €

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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 74%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 29%. The balance between equity and debt is satisfactory.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

73.651%

Financial autonomy (2023) ?
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

29.227%

Asset age ratio (2023) ?
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

32.7%

Solvency indicators evolution
OLIVIER BERNARD

Sector positioning

Debt ratio
73.65 2023
2020
2021
2023
Q1: 4.61
Med: 24.31
Q3: 63.43
Average +16 pts over 3 years

In 2023, the debt ratio of OLIVIER BERNARD (73.65) 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
29.23% 2023
2020
2021
2023
Q1: 17.63%
Med: 36.9%
Q3: 54.57%
Average -19 pts over 3 years

In 2023, the financial autonomy of OLIVIER BERNARD (29.2%) 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
0.95 years 2021
2020
2021
Q1: 0.0 years
Med: 0.46 years
Q3: 2.36 years
Average -19 pts over 2 years

In 2021, the repayment capacity of OLIVIER BERNARD (0.95) 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 188.89. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

188.887

Liquidity indicators evolution
OLIVIER BERNARD

Sector positioning

Liquidity ratio
188.89 2023
2020
2021
2023
Q1: 148.47
Med: 205.87
Q3: 296.13
Average -22 pts over 3 years

In 2023, the liquidity ratio of OLIVIER BERNARD (188.89) 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.

Interest coverage
0.72x 2021
2020
2021
Q1: 0.0x
Med: 0.34x
Q3: 2.2x
Good -20 pts over 2 years

In 2021, the interest coverage of OLIVIER BERNARD (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 (2023) ?
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 (2023) ?
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 (2023) ?
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 (2023) ?
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
OLIVIER BERNARD

Positioning of OLIVIER BERNARD in its sector

Comparison with sector Travaux de menuiserie bois et PVC

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (22 transactions). This range of 265 820€ to 2 017 443€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2023
Indicative
265k€ 753k€ 2017k€
753 546 € Range: 265 820€ - 2 017 443€
NAF 5 année 2023

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 22 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 (Travaux de menuiserie bois et PVC)

Compare OLIVIER BERNARD with other companies in the same sector:

Voir toutes les statistiques du secteur Travaux de menuiserie bois et PVC

Frequently asked questions about OLIVIER BERNARD

What is the revenue of OLIVIER BERNARD ?

The revenue of OLIVIER BERNARD in 2021 is 2.5 M€.

Is OLIVIER BERNARD profitable?

Yes, OLIVIER BERNARD generated a net profit of 264 k€ in 2023.

Where is the headquarters of OLIVIER BERNARD ?

The headquarters of OLIVIER BERNARD is located in CERIZAY (79140), in the department Deux-Sevres.

Where to find the tax return of OLIVIER BERNARD ?

The tax return of OLIVIER 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).

In which sector does OLIVIER BERNARD operate?

OLIVIER BERNARD operates in the sector Travaux de menuiserie bois et PVC (NAF code 43.32A). See the 'Sector positioning' section above to compare the company with its competitors.