SIREN : 750945503
SARL BANOVAL is a French company founded 14 years ago, specialized in the sector Activités des sociétés holding. Based in CAEN (14000), this company of category PME shows in 2022 a revenue of 1 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 | 2022 | 2021 | 2020 | 2016 |
|---|---|---|---|---|
| Revenue | 1 494 € | 1 310 € | 1 197 € | 86 795 € |
| Net income | 20 315 € | 35 217 € | 28 035 € | 72 909 € |
| EBITDA | -31 144 € | -6 284 € | -5 505 € | 70 € |
| Net margin | 1359.8% | 2688.3% | 2342.1% | 84.0% |
In 2022, SARL BANOVAL achieves revenue of 1 k€. Revenue is declining over the period 2016-2022 (CAGR: -49.2%). Vs 2021, growth of +14% (1 k€ -> 1 k€). EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -31 k€, representing -2084.6% of revenue. Warning negative scissor effect: despite revenue change (+14%), EBITDA varies by -396%, reducing margin by 1604.9 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 20 k€, i.e. 1359.8% of revenue. This profit can be retained or distributed to shareholders.
1 494 €
-31 144 €
-31 144 €
20 315 €
-2084.6%
The debt ratio (= Financial debt / Equity x 100) stands at 102%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 49%. 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 28.5 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 1359.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
102.303%
49.348%
1359.772%
28.493
In 2022, the debt ratio of SARL BANOVAL (102.30) 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 2022, the financial autonomy of SARL BANOVAL (49.4%) 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 2022, the repayment capacity of SARL BANOVAL (28.49) 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 1695.92. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
1695.921
-33.631
In 2022, the liquidity ratio of SARL BANOVAL (1695.92) 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 2022, the interest coverage of SARL BANOVAL (-33.6x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 85 days. Excellent situation: suppliers finance 85 days of the operating cycle (retail model). Overall, WCR represents 1624 days of revenue, i.e. 7 k€ to permanently finance. Over 2016-2022, WCR increased by +122%, requiring additional financing.
6 741 €
0 j
85 j
0 j
1624 j
Based on 70 transactions of similar company sales
in 2022,
the value of SARL BANOVAL is estimated at
30 744 €
(range 9 999€ - 62 192€).
The price/revenue ratio is 0.67x
(in line with sector norms).
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 70 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 SARL BANOVAL with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of SARL BANOVAL in 2022 is 1 k€.
Yes, SARL BANOVAL generated a net profit of 20 k€ in 2022.
The headquarters of SARL BANOVAL is located in CAEN (14000), in the department Calvados.
The tax return of SARL BANOVAL 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).
SARL BANOVAL operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.