SIREN : 431437854
SAS BERNARD is a French company founded 26 years ago, specialized in the sector Travaux d'installation d'eau et de gaz en tous locaux. Based in BELLEVIGNY (85170), this company of category PME shows in 2025 a revenue of 1.8 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
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|
| Revenue | 1 834 174 € | 1 956 918 € | 1 962 172 € | 1 644 274 € | 1 449 724 € | 1 399 610 € | 851 772 € |
| Net income | 31 775 € | 60 755 € | 139 564 € | 38 397 € | 56 189 € | 78 594 € | 39 402 € |
| EBITDA | 43 076 € | 48 686 € | 135 426 € | 3 321 € | 37 385 € | 77 305 € | 40 899 € |
| Net margin | 1.7% | 3.1% | 7.1% | 2.3% | 3.9% | 5.6% | 4.6% |
In 2025, SAS BERNARD achieves revenue of 1.8 M€. Over the period 2019-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +13.6%. Slight decline of -6% vs 2024. After deducting consumption (804 k€), gross margin stands at 1.0 M€, i.e. a rate of 56%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 43 k€, representing 2.3% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 32 k€, i.e. 1.7% of revenue. This profit can be retained or distributed to shareholders.
1 834 174 €
1 029 905 €
43 076 €
28 603 €
31 775 €
2.3%
The debt ratio (= Financial debt / Equity x 100) stands at 96%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 32%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 3.1 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 4.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
96.333%
32.152%
4.781%
3.109
53.1%
In 2025, the debt ratio of SAS BERNARD (96.33) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2025, the financial autonomy of SAS BERNARD (32.1%) 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 2025, the repayment capacity of SAS BERNARD (3.11) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 164.87. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 18.2x. Operating income very largely covers interest expenses: high safety margin.
164.874
18.177
In 2025, the liquidity ratio of SAS BERNARD (164.87) 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.
In 2025, the interest coverage of SAS BERNARD (18.2x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 23 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 44 days. Favorable situation: supplier credit is longer than customer credit by 21 days. Inventory turnover is 21 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 38 days of revenue, i.e. 196 k€ to permanently finance. Over 2019-2025, WCR increased by +27%, requiring additional financing.
195 963 €
23 j
44 j
21 j
38 j
Indicative estimate only : the number of comparable transactions in this sector is limited (38 transactions). This range of 170 221€ to 292 387€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 38 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 SAS BERNARD with other companies in the same sector:
Voir toutes les statistiques du secteur Travaux d'installation d'eau et de gaz en tous locaux
The revenue of SAS BERNARD in 2025 is 1.8 M€.
Yes, SAS BERNARD generated a net profit of 32 k€ in 2025.
The headquarters of SAS BERNARD is located in BELLEVIGNY (85170), in the department Vendee.
The tax return of SAS 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).
SAS BERNARD operates in the sector Travaux d'installation d'eau et de gaz en tous locaux (NAF code 43.22A). See the 'Sector positioning' section above to compare the company with its competitors.