RUFFIN ET TILLEMONT : revenue, balance sheet and financial ratios

RUFFIN ET TILLEMONT is a French company founded 30 years ago, specialized in the sector Administration d'immeubles et autres biens immobiliers. Based in ARPAJON (91290), this company of category PME shows in 2024 a revenue of 133 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

Financial history - RUFFIN ET TILLEMONT (SIREN 404166381)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 133 100 € 109 914 € 165 103 € 172 249 € 140 314 € 139 724 € 128 742 € 122 827 € 172 625 €
Net income 4 438 € -29 453 € 14 626 € 15 440 € 2 877 € -7 659 € -7 018 € -19 056 € -1 620 €
EBITDA 4 666 € -29 964 € 14 733 € 15 407 € 3 621 € -10 639 € -11 963 € -25 041 € -5 665 €
Net margin 3.3% -26.8% 8.9% 9.0% 2.1% -5.5% -5.5% -15.5% -0.9%

Revenue and income statement

In 2024, RUFFIN ET TILLEMONT achieves revenue of 133 k€. Activity remains stable over the period (CAGR: -3.2%). Vs 2023, growth of +21% (110 k€ -> 133 k€). After deducting consumption (0 €), gross margin stands at 133 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 5 k€, representing 3.5% of revenue. Positive scissor effect: EBITDA margin improves by +30.8 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 4 k€, i.e. 3.3% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

133 100 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

133 100 €

EBITDA (2024) ?
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

4 666 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

4 581 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

4 438 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

3.5%

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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 34%. The balance between equity and debt is satisfactory. Cash flow represents 3.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2024) ?
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 (2024) ?
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

34.156%

Cash flow / Revenue (2024) ?
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

3.397%

Repayment capacity (2024) ?
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

Solvency indicators evolution
RUFFIN ET TILLEMONT

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 9.88
Q3: 66.83
Excellent -31 pts over 3 years

In 2024, the debt ratio of RUFFIN ET TILLEMONT (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
34.16% 2024
2022
2023
2024
Q1: 3.14%
Med: 14.37%
Q3: 43.78%
Good -8 pts over 3 years

In 2024, the financial autonomy of RUFFIN ET TILLEMONT (34.2%) 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.

Repayment capacity
0.0 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.18 years
Q3: 4.28 years
Excellent -30 pts over 3 years

In 2024, the repayment capacity of RUFFIN ET TILLEMONT (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 129.93. 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 0.1x. Danger: operating income does not cover interest charges, unsustainable situation.

Liquidity ratio (2024) ?
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

129.93

Interest coverage (2024) ?
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

0.064

Liquidity indicators evolution
RUFFIN ET TILLEMONT

Sector positioning

Liquidity ratio
129.93 2024
2022
2023
2024
Q1: 100.01
Med: 116.58
Q3: 409.86
Good -12 pts over 3 years

In 2024, the liquidity ratio of RUFFIN ET TILLEMONT (129.93) 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
0.06x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 7.69x
Good

In 2024, the interest coverage of RUFFIN ET TILLEMONT (0.1x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.

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: 4 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 68 days. Excellent situation: suppliers finance 64 days of the operating cycle (retail model). WCR is negative (-23 days): operations structurally generate cash. Over 2016-2024, WCR increased by +58%, requiring additional financing.

Operating WCR (2024) ?
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

-8 628 €

Customer credit (2024) ?
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

4 j

Supplier credit (2024) ?
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

68 j

Inventory turnover (2024) ?
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 (2024) ?
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

-23 j

WCR and payment terms evolution
RUFFIN ET TILLEMONT

Positioning of RUFFIN ET TILLEMONT in its sector

Comparison with sector Administration d'immeubles et autres biens immobiliers

Valuation estimate

Based on 277 transactions of similar company sales (all years), the value of RUFFIN ET TILLEMONT is estimated at 16 469 € (range 7 013€ - 40 291€). With an EBITDA of 4 666€, the sector multiple of 1.3x is applied. The price/revenue ratio is 0.29x (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 2024
277 transactions
7k€ 16k€ 40k€
16 469 € Range: 7 013€ - 40 291€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
4 666 € × 1.3x
Estimation 6 188 €
2 153€ - 18 671€
Revenue Multiple 30%
133 100 € × 0.29x
Estimation 37 981 €
18 307€ - 82 859€
Net Income Multiple 20%
4 438 € × 2.2x
Estimation 9 903 €
2 226€ - 30 491€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 277 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 (Administration d'immeubles et autres biens immobiliers)

Compare RUFFIN ET TILLEMONT with other companies in the same sector:

Voir toutes les statistiques du secteur Administration d'immeubles et autres biens immobiliers

Frequently asked questions about RUFFIN ET TILLEMONT

What is the revenue of RUFFIN ET TILLEMONT ?

The revenue of RUFFIN ET TILLEMONT in 2024 is 133 k€.

Is RUFFIN ET TILLEMONT profitable?

Yes, RUFFIN ET TILLEMONT generated a net profit of 4 k€ in 2024.

Where is the headquarters of RUFFIN ET TILLEMONT ?

The headquarters of RUFFIN ET TILLEMONT is located in ARPAJON (91290), in the department Essonne.

Where to find the tax return of RUFFIN ET TILLEMONT ?

The tax return of RUFFIN ET TILLEMONT 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 RUFFIN ET TILLEMONT operate?

RUFFIN ET TILLEMONT operates in the sector Administration d'immeubles et autres biens immobiliers (NAF code 68.32A). See the 'Sector positioning' section above to compare the company with its competitors.