SILVYA TERRADE GRAND-EST : revenue, balance sheet and financial ratios

SILVYA TERRADE GRAND-EST is a French company founded 24 years ago, specialized in the sector Enseignement secondaire technique ou professionnel. Based in TROYES (10000), this company of category ETI shows in 2025 a revenue of 16.2 M€. 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 - SILVYA TERRADE GRAND-EST (SIREN 438798332)
Indicator 2025 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 16 158 979 € 14 736 525 € 12 796 688 € 8 566 146 € 3 726 428 € 2 888 452 € 780 711 € 677 722 € N/C
Net income -1 797 561 € -409 546 € 959 800 € 893 620 € 488 040 € 467 690 € 219 403 € 97 286 € 32 445 €
EBITDA 263 365 € 2 838 594 € 2 814 147 € 1 912 341 € 1 031 064 € 925 855 € 387 282 € 208 438 € N/C
Net margin -11.1% -2.8% 7.5% 10.4% 13.1% 16.2% 28.1% 14.4% N/C

Revenue and income statement

In 2025, SILVYA TERRADE GRAND-EST achieves revenue of 16.2 M€. Over the period 2017-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +48.7%. Vs 2023: +10%. After deducting consumption (1.1 M€), gross margin stands at 15.0 M€, i.e. a rate of 93%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 263 k€, representing 1.6% of revenue. Warning negative scissor effect: despite revenue change (+10%), EBITDA varies by -91%, reducing margin by 17.6 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -1.8 M€ (-11.1% of revenue), which will impact equity.

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

16 158 979 €

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

15 035 151 €

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

263 365 €

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

-1 325 012 €

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

-1 797 561 €

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

1.6%

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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 2371%. 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 3%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

2370.77%

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

2.715%

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

-1.936%

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

-34.31

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

52.2%

Solvency indicators evolution
SILVYA TERRADE GRAND-EST

Sector positioning

Debt ratio
2370.77 2025
2022
2023
2025
Q1: 0.01
Med: 16.54
Q3: 49.09
Watch +14 pts over 3 years

In 2025, the debt ratio of SILVYA TERRADE GRAND-EST (2370.77) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
2.71% 2025
2022
2023
2025
Q1: 2.99%
Med: 44.97%
Q3: 58.45%
Watch -20 pts over 3 years

In 2025, the financial autonomy of SILVYA TERRADE GRAND-EST (2.7%) ranks in the bottom 25% of the sector. This ratio represents the share of equity in total financing. Low autonomy may limit investment capacity and increase vulnerability.

Repayment capacity
-34.31 years 2025
2022
2023
2025
Q1: -1.79 years
Med: 0.0 years
Q3: 0.59 years
Excellent -76 pts over 3 years

In 2025, the repayment capacity of SILVYA TERRADE GRAND-EST (-34.31) 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 96.11. 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 180.1x. Operating income very largely covers interest expenses: high safety margin.

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

96.115

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

180.07

Liquidity indicators evolution
SILVYA TERRADE GRAND-EST

Sector positioning

Liquidity ratio
96.11 2025
2022
2023
2025
Q1: 101.36
Med: 221.74
Q3: 374.8
Watch -17 pts over 3 years

In 2025, the liquidity ratio of SILVYA TERRADE GRAND-EST (96.11) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
180.07x 2025
2022
2023
2025
Q1: 0.0x
Med: 0.0x
Q3: 2.33x
Excellent +19 pts over 3 years

In 2025, the interest coverage of SILVYA TERRADE GRAND-EST (180.1x) 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: 69 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 77 days. Favorable situation: supplier credit is longer than customer credit by 8 days. Inventory turnover is 3 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 35 days of revenue, i.e. 1.5 M€ to permanently finance.

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

1 549 808 €

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

69 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

77 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

3 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

35 j

WCR and payment terms evolution
SILVYA TERRADE GRAND-EST

Positioning of SILVYA TERRADE GRAND-EST in its sector

Comparison with sector Enseignement secondaire technique ou professionnel

Valuation estimate

Based on 412 transactions of similar company sales (all years), the value of SILVYA TERRADE GRAND-EST is estimated at 2 255 146 € (range 1 102 280€ - 4 201 788€). With an EBITDA of 263 365€, the sector multiple of 3.0x 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 2025
412 transactions
1102k€ 2255k€ 4201k€
2 255 146 € Range: 1 102 280€ - 4 201 788€
Section all-time Aggregated at NAF section level

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
263 365 € × 3.0x
Estimation 779 352 €
296 777€ - 2 126 111€
Revenue Multiple 30%
16 158 979 € × 0.29x
Estimation 4 714 803 €
2 444 787€ - 7 661 251€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 412 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 (Enseignement secondaire technique ou professionnel)

Compare SILVYA TERRADE GRAND-EST with other companies in the same sector:

Voir toutes les statistiques du secteur Enseignement secondaire technique ou professionnel

Frequently asked questions about SILVYA TERRADE GRAND-EST

What is the revenue of SILVYA TERRADE GRAND-EST ?

The revenue of SILVYA TERRADE GRAND-EST in 2025 is 16.2 M€.

Is SILVYA TERRADE GRAND-EST profitable?

SILVYA TERRADE GRAND-EST recorded a net loss in 2025.

Where is the headquarters of SILVYA TERRADE GRAND-EST ?

The headquarters of SILVYA TERRADE GRAND-EST is located in TROYES (10000), in the department Aube.

Where to find the tax return of SILVYA TERRADE GRAND-EST ?

The tax return of SILVYA TERRADE GRAND-EST 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 SILVYA TERRADE GRAND-EST operate?

SILVYA TERRADE GRAND-EST operates in the sector Enseignement secondaire technique ou professionnel (NAF code 85.32Z). See the 'Sector positioning' section above to compare the company with its competitors.