GARAGE TILLAUT MONTEIRO : revenue, balance sheet and financial ratios

GARAGE TILLAUT MONTEIRO is a French company founded 12 years ago, specialized in the sector Entretien et réparation de véhicules automobiles légers. Based in CREULLY SUR SEULLES (14480), this company of category PME shows in 2020 a revenue of 3.5 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

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

Financial history - GARAGE TILLAUT MONTEIRO (SIREN 794457200)
Indicator 2020 2018 2017 2016
Revenue 3 507 432 € 2 494 641 € 1 976 880 € 1 971 729 €
Net income 179 352 € 180 473 € 130 106 € 118 783 €
EBITDA 157 576 € 291 835 € 200 143 € 216 037 €
Net margin 5.1% 7.2% 6.6% 6.0%

Revenue and income statement

In 2020, GARAGE TILLAUT MONTEIRO achieves revenue of 3.5 M€. Over the period 2016-2020, the company shows strong growth with a CAGR (compound annual growth rate) of +15.5%. Vs 2018, growth of +41% (2.5 M€ -> 3.5 M€). After deducting consumption (2.8 M€), gross margin stands at 676 k€, i.e. a rate of 19%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 158 k€, representing 4.5% of revenue. Warning negative scissor effect: despite revenue change (+41%), EBITDA varies by -46%, reducing margin by 7.2 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 179 k€, i.e. 5.1% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2020) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

3 507 432 €

Gross margin (2020) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

676 327 €

EBITDA (2020) ?
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

157 576 €

EBIT (2020) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

218 808 €

Net income (2020) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

179 352 €

EBITDA margin (2020) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

4.5%

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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 0%. 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 77%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 5.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

Debt ratio (2020) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.0%

Financial autonomy (2020) ?
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

77.423%

Cash flow / Revenue (2020) ?
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

5.36%

Repayment capacity (2020) ?
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

0.0

Asset age ratio (2020) ?
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

47.0%

Solvency indicators evolution
GARAGE TILLAUT MONTEIRO

Sector positioning

Debt ratio
0.0 2020
2017
2018
2020
Q1: 6.24
Med: 41.16
Q3: 127.19
Excellent -28 pts over 3 years

In 2020, the debt ratio of GARAGE TILLAUT MONTEIRO (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
77.42% 2020
2017
2018
2020
Q1: 17.5%
Med: 39.23%
Q3: 59.04%
Excellent

In 2020, the financial autonomy of GARAGE TILLAUT MONTEIRO (77.4%) 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
0.0 years 2020
2017
2018
2020
Q1: 0.0 years
Med: 0.47 years
Q3: 3.32 years
Excellent -36 pts over 3 years

In 2020, the repayment capacity of GARAGE TILLAUT MONTEIRO (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 427.52. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2020) ?
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

427.524

Interest coverage (2020) ?
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
GARAGE TILLAUT MONTEIRO

Sector positioning

Liquidity ratio
427.52 2020
2017
2018
2020
Q1: 139.56
Med: 214.86
Q3: 320.34
Excellent

In 2020, the liquidity ratio of GARAGE TILLAUT MONTEIRO (427.52) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
0.0x 2020
2017
2018
2020
Q1: 0.0x
Med: 0.22x
Q3: 3.12x
Average -8 pts over 3 years

In 2020, the interest coverage of GARAGE TILLAUT MONTEIRO (0.0x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 8 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 29 days. Favorable situation: supplier credit is longer than customer credit by 21 days. Inventory turnover is 86 days (= Average inventory / Cost of goods x 360). Overall, WCR represents 78 days of revenue, i.e. 763 k€ to permanently finance.

Operating WCR (2020) ?
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

763 393 €

Customer credit (2020) ?
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

8 j

Supplier credit (2020) ?
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

29 j

Inventory turnover (2020) ?
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

86 j

WCR in days of revenue (2020) ?
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

78 j

WCR and payment terms evolution
GARAGE TILLAUT MONTEIRO

Positioning of GARAGE TILLAUT MONTEIRO in its sector

Comparison with sector Entretien et réparation de véhicules automobiles légers

Valuation estimate

Based on 104 transactions of similar company sales in 2020, the value of GARAGE TILLAUT MONTEIRO is estimated at 669 033 € (range 300 748€ - 1 241 945€). With an EBITDA of 157 576€, the sector multiple of 3.4x is applied. The price/revenue ratio is 0.26x (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.

Estimated enterprise value 2020
104 transactions
300k€ 669k€ 1241k€
669 033 € Range: 300 748€ - 1 241 945€
NAF 5 année 2020

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
157 576 € × 3.4x
Estimation 530 444 €
206 739€ - 989 243€
Revenue Multiple 30%
3 507 432 € × 0.26x
Estimation 898 513 €
477 079€ - 1 335 041€
Net Income Multiple 20%
179 352 € × 3.7x
Estimation 671 286 €
271 280€ - 1 734 059€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 104 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 (Entretien et réparation de véhicules automobiles légers)

Compare GARAGE TILLAUT MONTEIRO with other companies in the same sector:

Voir toutes les statistiques du secteur Entretien et réparation de véhicules automobiles légers

Frequently asked questions about GARAGE TILLAUT MONTEIRO

What is the revenue of GARAGE TILLAUT MONTEIRO ?

The revenue of GARAGE TILLAUT MONTEIRO in 2020 is 3.5 M€.

Is GARAGE TILLAUT MONTEIRO profitable?

Yes, GARAGE TILLAUT MONTEIRO generated a net profit of 179 k€ in 2020.

Where is the headquarters of GARAGE TILLAUT MONTEIRO ?

The headquarters of GARAGE TILLAUT MONTEIRO is located in CREULLY SUR SEULLES (14480), in the department Calvados.

Where to find the tax return of GARAGE TILLAUT MONTEIRO ?

The tax return of GARAGE TILLAUT MONTEIRO 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 GARAGE TILLAUT MONTEIRO operate?

GARAGE TILLAUT MONTEIRO operates in the sector Entretien et réparation de véhicules automobiles légers (NAF code 45.20A). See the 'Sector positioning' section above to compare the company with its competitors.