SIREN : 421335886
SAINT BERNARD is a French company founded 27 years ago, specialized in the sector Activités des marchands de biens immobiliers. Based in LA ROCHE-SUR-FORON (74800), this company of category PME shows in 2024 a revenue of 91 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 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 90 650 € | N/C | N/C | N/C | N/C | N/C | N/C |
| Net income | 61 464 € | -60 498 € | 60 579 € | 49 615 € | 137 854 € | 400 772 € | -81 019 € |
| EBITDA | 74 638 € | N/C | N/C | N/C | N/C | N/C | N/C |
| Net margin | 67.8% | N/C | N/C | N/C | N/C | N/C | N/C |
In 2024, SAINT BERNARD achieves revenue of 91 k€. After deducting consumption (0 €), gross margin stands at 91 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 75 k€, representing 82.3% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 61 k€, i.e. 67.8% of revenue. This profit can be retained or distributed to shareholders.
90 650 €
90 650 €
74 638 €
74 638 €
61 464 €
82.3%
The debt ratio (= Financial debt / Equity x 100) stands at 40%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 63%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 3.5 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 67.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
40.333%
63.338%
67.804%
3.483
In 2024, the debt ratio of SAINT BERNARD (40.33) 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 SAINT BERNARD (63.3%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2024, the repayment capacity of SAINT BERNARD (3.48) 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 899.67. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
899.671
0.0
In 2024, the liquidity ratio of SAINT BERNARD (899.67) 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.
In 2024, the interest coverage of SAINT BERNARD (0.0x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 179 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 27 days. The gap of 152 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Inventory turnover is 2568 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 2752 days of revenue, i.e. 693 k€ to permanently finance.
693 081 €
179 j
27 j
2568 j
2752 j
Indicative estimate only : the number of comparable transactions in this sector is limited (22 transactions). This range of 175 473€ to 427 975€ is provided for information purposes only and requires in-depth analysis to be confirmed.
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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare SAINT BERNARD with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des marchands de biens immobiliers
The revenue of SAINT BERNARD in 2024 is 91 k€.
Yes, SAINT BERNARD generated a net profit of 61 k€ in 2024.
The headquarters of SAINT BERNARD is located in LA ROCHE-SUR-FORON (74800), in the department Haute-Savoie.
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).
SAINT BERNARD operates in the sector Activités des marchands de biens immobiliers (NAF code 68.10Z). See the 'Sector positioning' section above to compare the company with its competitors.