FINANCIERE TERTRE : revenue, balance sheet and financial ratios

FINANCIERE TERTRE is a French company founded 14 years ago, specialized in the sector Fonds de placement et entités financières similaires. Based in PUJAUDRAN (32600), this company of category PME shows in 2025 a revenue of 550 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - FINANCIERE TERTRE (SIREN 532965118)
Indicator 2025 2024 2022 2019 2018 2017
Revenue 550 000 € 420 000 € 420 000 € 420 000 € 285 000 € 240 000 €
Net income 414 127 € 12 374 263 € 157 812 € 103 336 € 502 606 € 336 345 €
EBITDA 388 304 € -409 922 € 212 107 € 145 562 € 19 557 € 38 522 €
Net margin 75.3% 2946.3% 37.6% 24.6% 176.4% 140.1%

Revenue and income statement

In 2025, FINANCIERE TERTRE achieves revenue of 550 k€. Over the period 2017-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +10.9%. Vs 2024, growth of +31% (420 k€ -> 550 k€). After deducting consumption (0 €), gross margin stands at 550 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 388 k€, representing 70.6% of revenue. Positive scissor effect: EBITDA margin improves by +168.2 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 414 k€, i.e. 75.3% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

550 000 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

550 000 €

EBITDA (2025) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

388 304 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

387 636 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

414 127 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

70.6%

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 1%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. Financial autonomy (= Equity / Total assets x 100) reaches 98%. 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 0.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 56.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.996%

Financial autonomy (2025) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

98.183%

Cash flow / Revenue (2025) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

55.989%

Repayment capacity (2025) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

0.602

Asset age ratio (2025) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

39.4%

Solvency indicators evolution
FINANCIERE TERTRE

Sector positioning

Debt ratio
1.0 2025
2022
2024
2025
Q1: 0.14
Med: 27.24
Q3: 146.28
Good

In 2025, the debt ratio of FINANCIERE TERTRE (1.00) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
98.18% 2025
2022
2024
2025
Q1: 17.38%
Med: 54.75%
Q3: 87.41%
Excellent

In 2025, the financial autonomy of FINANCIERE TERTRE (98.2%) 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.

Repayment capacity
0.6 years 2025
2022
2024
2025
Q1: 0.0 years
Med: 0.77 years
Q3: 6.12 years
Good +14 pts over 3 years

In 2025, the repayment capacity of FINANCIERE TERTRE (0.60) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 3469.62. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

3469.624

Interest coverage (2025) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

0.0

Liquidity indicators evolution
FINANCIERE TERTRE

Sector positioning

Liquidity ratio
3469.62 2025
2022
2024
2025
Q1: 159.67
Med: 1116.63
Q3: 6512.12
Good +26 pts over 3 years

In 2025, the liquidity ratio of FINANCIERE TERTRE (3469.62) 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.

Interest coverage
0.0x 2025
2022
2024
2025
Q1: -191.54x
Med: -25.42x
Q3: 0.0x
Excellent

In 2025, the interest coverage of FINANCIERE TERTRE (0.0x) 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) and payment terms

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: 151 days. Excellent situation: suppliers finance 151 days of the operating cycle (retail model). WCR is negative (-97 days): operations structurally generate cash. Notable WCR improvement over the period (-5504%), freeing up cash.

Operating WCR (2025) ?
Operating WCR
Definition
Financing requirement generated by the operating cycle (inventory + receivables - trade payables).
Formula
Inventory + Customer receivables - Trade payables
Interpretation
Negative = cash released
Positive = financing needed

-147 724 €

Customer credit (2025) ?
Customer credit (days)
Definition
Average payment term granted to customers.
Formula
(Customer receivables / Revenue incl. VAT) x 360
Interpretation
< 45j : Good
45-60j : Average
> 60j : Long

0 j

Supplier credit (2025) ?
Supplier credit (days)
Definition
Average payment term obtained from suppliers.
Formula
(Trade payables / Purchases incl. VAT) x 360
Interpretation
The longer the term, the better for cash flow

151 j

Inventory turnover (2025) ?
Inventory turnover (days)
Definition
Average storage duration for goods or materials.
Formula
(Inventory / Cost of goods) x 360
Interpretation
The lower the ratio, the faster the turnover

0 j

WCR in days of revenue (2025) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

-97 j

WCR and payment terms evolution
FINANCIERE TERTRE

Positioning of FINANCIERE TERTRE in its sector

Comparison with sector Fonds de placement et entités financières similaires

Valuation estimate

Based on 170 transactions of similar company sales (all years), the value of FINANCIERE TERTRE is estimated at 2 297 740 € (range 1 411 463€ - 3 802 249€). With an EBITDA of 388 304€, the sector multiple of 6.8x is applied. The price/revenue ratio is 0.71x (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.

Estimated enterprise value 2025
170 transactions
1411k€ 2297k€ 3802k€
2 297 740 € Range: 1 411 463€ - 3 802 249€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
388 304 € × 6.8x
Estimation 2 644 212 €
1 602 072€ - 4 660 149€
Revenue Multiple 30%
550 000 € × 0.71x
Estimation 390 001 €
260 664€ - 455 760€
Net Income Multiple 20%
414 127 € × 10.4x
Estimation 4 293 173 €
2 661 143€ - 6 677 235€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 170 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Fonds de placement et entités financières similaires)

Compare FINANCIERE TERTRE with other companies in the same sector:

Voir toutes les statistiques du secteur Fonds de placement et entités financières similaires

Frequently asked questions about FINANCIERE TERTRE

What is the revenue of FINANCIERE TERTRE ?

The revenue of FINANCIERE TERTRE in 2025 is 550 k€.

Is FINANCIERE TERTRE profitable?

Yes, FINANCIERE TERTRE generated a net profit of 414 k€ in 2025.

Where is the headquarters of FINANCIERE TERTRE ?

The headquarters of FINANCIERE TERTRE is located in PUJAUDRAN (32600), in the department Gers.

Where to find the tax return of FINANCIERE TERTRE ?

The tax return of FINANCIERE TERTRE 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).

In which sector does FINANCIERE TERTRE operate?

FINANCIERE TERTRE operates in the sector Fonds de placement et entités financières similaires (NAF code 64.30Z). See the 'Sector positioning' section above to compare the company with its competitors.