Tradespeople and shops
Know what your business is worth and what it can bring you
Bakery, restaurant, salon, garage, retail shop, building company: Bilanea applies the goodwill scales and ratios specific to your trade, and tells you what the bank will agree to finance.
What you experience today
- A goodwill value heard “at the café” without any method
- Remuneration that absorbs EBITDA without knowing whether the business is profitable
- Inventory or customer terms that lock up cash
- Equipment to renew without knowing what loan is reasonable
What Bilanea changes
The report combines the revenue-based scale of your activity (usual percentage of revenue in transactions) and the adjusted EBITDA multiple to give a realistic value range. The adjustment of owner remuneration and leasing is explained.
The ratios are those of your trade: inventory turnover for a shop, contribution margin for a bakery, staff over value added for a restaurant, customer days for construction.
The indicators highlighted for you
Value range of the goodwill and of the shares
Break-even revenue and break-even point in days of activity
Owner remuneration compared with EBITDA
Borrowing capacity for equipment, vehicle or works
Inventory turnover and supplier terms
Sale listing ready to publish
Your journey
Ask your accountant for the ledger
Or upload the tax return as PDF; the fiscal year and activity are detected.
Check the detected sector
The NAF code determines the scale and reference ratios: bakery, restaurant, hairdressing, construction, pharmacy…
Decide: invest, transfer or optimise
The report gives you the borrowable amount, the sale value and the quick-impact actions.
Frequently asked questions
- Are the premises taken into account?
- The valuation covers the operating business. If you own the premises, say so when publishing a listing: they are subject to a separate property appraisal.
- I am a micro-entrepreneur, is it useful?
- Without accrual accounting the report is limited. As soon as you keep books (actual regime, company), every indicator becomes available.
Discover the value of your business
First analysis free, your trade's scales included.