SIREN : 792554883
BV&C is a French company founded 13 years ago, specialized in the sector Agences immobilières. Based in MONTAUBAN (82000), this company of category PME shows in 2022 a revenue of 116 k€. 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
| Indicador | 2022 | 2021 | 2017 |
|---|---|---|---|
| Ingresos | 116 425 € | 132 434 € | 86 826 € |
| Resultado neto | 3 465 € | 33 599 € | -5 437 € |
| EBITDA | 9 603 € | 56 351 € | -55 048 € |
| Margen neto | 3.0% | 25.4% | -6.3% |
In 2022, BV&C achieves revenue of 116 k€. Over the period 2017-2022, the company shows strong growth with a CAGR (compound annual growth rate) of +6.0%. Significant drop of -12% vs 2021. After deducting consumption (0 €), gross margin stands at 116 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 10 k€, representing 8.2% of revenue. Warning negative scissor effect: despite revenue change (-12%), EBITDA varies by -83%, reducing margin by 34.3 pts. This reflects costs rising faster than revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 3 k€, i.e. 3.0% of revenue. This profit can be retained or distributed to shareholders.
116 425 €
116 425 €
9 603 €
7 293 €
3 465 €
8.2%
The debt ratio (= Financial debt / Equity x 100) stands at 182%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 55%. 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 7.3 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 4.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
181.931%
55.431%
4.861%
7.342
64.4%
In 2022, the debt ratio of BV&C (181.93) 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 BV&C (55.4%) 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.
In 2022, the repayment capacity of BV&C (7.34) 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 254.44. 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 2.6x. Financial charges are adequately covered by operations.
254.445
2.645
In 2022, the liquidity ratio of BV&C (254.44) 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 BV&C (2.6x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 13 days. Favorable situation: supplier credit is longer than customer credit by 13 days. Inventory turnover is 273 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 166 days of revenue, i.e. 54 k€ to permanently finance. Over 2017-2022, WCR increased by +358%, requiring additional financing.
53 830 €
0 j
13 j
273 j
166 j
Based on 98 transactions of similar company sales
in 2022,
the value of BV&C is estimated at
15 911 €
(range 9 494€ - 35 371€).
With an EBITDA of 9 603€, the sector multiple of 0.8x is applied.
The price/revenue ratio is 0.30x
(conservative valuation).
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 98 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 BV&C with other companies in the same sector:
Voir toutes les statistiques du secteur Agences immobilières
The revenue of BV&C in 2022 is 116 k€.
Yes, BV&C generated a net profit of 3 k€ in 2022.
The headquarters of BV&C is located in MONTAUBAN (82000), in the department Tarn-et-Garonne.
The tax return of BV&C 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).
BV&C operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.