SAINT BERNARD : revenue, balance sheet and financial ratios

SAINT BERNARD is a French company founded 52 years ago, specialized in the sector Commerce de gros (commerce interentreprises) de produits pharmaceutiques. Based in ABLAINCOURT-PRESSOIR (80320), this company of category ETI shows in 2019 a revenue of 10.7 M€. 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

Financial history - SAINT BERNARD (SIREN 300882115)
Indicator 2020 2019 2018 2017 2016
Revenue N/C 10 718 888 € 10 259 801 € 9 735 673 € 10 437 913 €
Net income 373 647 € 13 593 € 1 954 € 6 566 € 82 068 €
EBITDA N/C 59 572 € 16 848 € 46 932 € 15 305 €
Net margin N/C 0.1% 0.0% 0.1% 0.8%

Revenue and income statement

In 2020, SAINT BERNARD generates positive net income of 374 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2020: 82 k€ -> 374 k€.

Net income (2020) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

373 647 €

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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 21%. 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 57%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2020) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

21.311%

Financial autonomy (2020) ?
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

56.667%

Asset age ratio (2020) ?
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

26.7%

Solvency indicators evolution
SAINT BERNARD

Sector positioning

Debt ratio
21.31 2020
2018
2019
2020
Q1: 0.0
Med: 9.34
Q3: 68.4
Average -12 pts over 3 years

In 2020, the debt ratio of SAINT BERNARD (21.31) 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
56.67% 2020
2018
2019
2020
Q1: 14.08%
Med: 36.68%
Q3: 58.19%
Good +10 pts over 3 years

In 2020, the financial autonomy of SAINT BERNARD (56.7%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
30.93 years 2019
2018
2019
Q1: 0.0 years
Med: 0.0 years
Q3: 1.29 years
Watch

In 2019, the repayment capacity of SAINT BERNARD (30.93) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 300.20. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2020) ?
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

300.204

Liquidity indicators evolution
SAINT BERNARD

Sector positioning

Liquidity ratio
300.2 2020
2018
2019
2020
Q1: 139.76
Med: 208.19
Q3: 335.17
Good +6 pts over 3 years

In 2020, the liquidity ratio of SAINT BERNARD (300.20) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
52.42x 2019
2018
2019
Q1: 0.0x
Med: 0.14x
Q3: 4.04x
Excellent

In 2019, the interest coverage of SAINT BERNARD (52.4x) 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) and payment terms

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

Operating WCR (2020) ?
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 (2020) ?
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 (2020) ?
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 (2020) ?
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
SAINT BERNARD

Positioning of SAINT BERNARD in its sector

Comparison with sector Commerce de gros (commerce interentreprises) de produits pharmaceutiques

Valuation estimate

Based on 124 transactions of similar company sales (all years), the value of SAINT BERNARD is estimated at 306 956 € (range 116 829€ - 1 120 967€). 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 2020
124 transactions
116k€ 306k€ 1120k€
306 956 € Range: 116 829€ - 1 120 967€
NAF 5 all-time

Valuation method used

Net Income Multiple
373 647 € × 0.8x = 306 957 €
Range: 116 830€ - 1 120 968€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 124 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 (Commerce de gros (commerce interentreprises) de produits pharmaceutiques)

Compare SAINT BERNARD with other companies in the same sector:

Voir toutes les statistiques du secteur Commerce de gros (commerce interentreprises) de produits pharmaceutiques

Frequently asked questions about SAINT BERNARD

What is the revenue of SAINT BERNARD ?

The revenue of SAINT BERNARD in 2019 is 10.7 M€.

Is SAINT BERNARD profitable?

Yes, SAINT BERNARD generated a net profit of 374 k€ in 2020.

Where is the headquarters of SAINT BERNARD ?

The headquarters of SAINT BERNARD is located in ABLAINCOURT-PRESSOIR (80320), in the department Somme.

Where to find the tax return of SAINT BERNARD ?

The tax return of SAINT 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 SAINT BERNARD operate?

SAINT BERNARD operates in the sector Commerce de gros (commerce interentreprises) de produits pharmaceutiques (NAF code 46.46Z). See the 'Sector positioning' section above to compare the company with its competitors.