SIREN : 803160977
TB FINANCES is a French company founded 11 years ago, specialized in the sector Activités des sociétés holding. Based in GUJAN-MESTRAS (33470), this company of category PME shows in 2016 a revenue of 82 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2016 | 2015 |
|---|---|---|
| Revenue | 82 000 € | 85 100 € |
| Net income | -770 € | -287 € |
| EBITDA | 95 € | 46 € |
| Net margin | -0.9% | -0.3% |
In 2016, TB FINANCES achieves revenue of 82 k€. Slight decline of -4% vs 2015. After deducting consumption (0 €), gross margin stands at 82 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 95 €, representing 0.1% of revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -770 € (-0.9% of revenue), which will impact equity.
82 000 €
82 000 €
95 €
94 €
-770 €
0.1%
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 -1%. Low autonomy: the company heavily depends on external financing (banks, suppliers).
0.0%
-0.998%
-0.939%
0.0
In 2016, the debt ratio of TB FINANCES (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.
In 2016, the financial autonomy of TB FINANCES (-1.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2016, the repayment capacity of TB FINANCES (0.00) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 9709.87. 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 1068.4x. Operating income very largely covers interest expenses: high safety margin.
9709.868
1068.421
In 2016, the liquidity ratio of TB FINANCES (9709.87) 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.
In 2016, the interest coverage of TB FINANCES (1068.4x) 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) 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: 32 days. Excellent situation: suppliers finance 32 days of the operating cycle (retail model). Overall, WCR represents 370 days of revenue, i.e. 84 k€ to permanently finance.
84 241 €
0 j
32 j
0 j
370 j
Based on 653 transactions of similar company sales (all years), the value of TB FINANCES is estimated at 18 394 € (range 7 980€ - 29 762€). With an EBITDA of 95€, the sector multiple of 4.9x is applied. The price/revenue ratio is 0.59x (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.
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This estimate is based on the analysis of 653 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare TB FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of TB FINANCES in 2016 is 82 k€.
TB FINANCES recorded a net loss in 2016.
The headquarters of TB FINANCES is located in GUJAN-MESTRAS (33470), in the department Gironde.
The tax return of TB FINANCES 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).
TB FINANCES operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.