SIREN : 438398323
TECSAFINANCE is a French company founded 24 years ago, specialized in the sector Activités des sociétés holding. Based in ARGENT-SUR-SAULDRE (18410), this company of category PME shows in 2024 a revenue of 743 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 | 2024 | 2023 | 2022 | 2019 | 2016 |
|---|---|---|---|---|---|
| Revenue | 742 501 € | 784 363 € | 747 911 € | 661 479 € | 416 519 € |
| Net income | 73 621 € | 59 577 € | 62 879 € | 27 394 € | 7 482 € |
| EBITDA | 19 296 € | 26 929 € | 84 049 € | 56 925 € | 15 537 € |
| Net margin | 9.9% | 7.6% | 8.4% | 4.1% | 1.8% |
In 2024, TECSAFINANCE achieves revenue of 743 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +7.5%. Slight decline of -5% vs 2023. After deducting consumption (0 €), gross margin stands at 743 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 19 k€, representing 2.6% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 74 k€, i.e. 9.9% of revenue. This profit can be retained or distributed to shareholders.
742 501 €
742 501 €
19 296 €
10 209 €
73 621 €
2.6%
The debt ratio (= Financial debt / Equity x 100) stands at 361%. 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 19%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 53.0 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 11.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
360.736%
19.487%
11.135%
52.959
2.7%
In 2024, the debt ratio of TECSAFINANCE (360.74) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of TECSAFINANCE (19.5%) 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 2024, the repayment capacity of TECSAFINANCE (52.96) ranks above the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A reduction effort could improve financial strength.
The liquidity ratio (= Current assets / Current liabilities) stands at 97.73. 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 439.2x. Operating income very largely covers interest expenses: high safety margin.
97.728
439.226
In 2024, the liquidity ratio of TECSAFINANCE (97.73) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.
In 2024, the interest coverage of TECSAFINANCE (439.2x) 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: 219 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 65 days. The gap of 154 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 15 days of revenue, i.e. 31 k€ to permanently finance. Notable WCR improvement over the period (-27%), freeing up cash.
30 502 €
219 j
65 j
0 j
15 j
Based on 54 transactions of similar company sales
in 2024,
the value of TECSAFINANCE is estimated at
199 302 €
(range 103 199€ - 346 281€).
With an EBITDA of 19 296€, the sector multiple of 4.8x 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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 54 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 TECSAFINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of TECSAFINANCE in 2024 is 743 k€.
Yes, TECSAFINANCE generated a net profit of 74 k€ in 2024.
The headquarters of TECSAFINANCE is located in ARGENT-SUR-SAULDRE (18410), in the department Cher.
The tax return of TECSAFINANCE 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).
TECSAFINANCE 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.