TEMENOS HOLDINGS FRANCE SAS : revenue, balance sheet and financial ratios

TEMENOS HOLDINGS FRANCE SAS is a French company founded 16 years ago, specialized in the sector Services administratifs combinés de bureau. Based in PARIS (75008), this company of category PME shows in 2024 a revenue of 2.4 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 - TEMENOS HOLDINGS FRANCE SAS (SIREN 518673710)
Indicator 2024 2023 2021 2020 2019 2018 2017
Revenue 2 361 195 € 5 349 582 € 550 426 € 927 783 € 2 541 475 € 621 172 € 545 577 €
Net income -4 646 268 € -307 021 € 31 564 110 € 1 513 260 € -2 635 877 € -1 235 725 € 3 150 822 €
EBITDA -43 958 € 2 560 794 € -3 657 696 € -2 325 726 € -1 161 410 € -1 615 224 € -3 588 399 €
Net margin -196.8% -5.7% 5734.5% 163.1% -103.7% -198.9% 577.5%

Revenue and income statement

In 2024, TEMENOS HOLDINGS FRANCE SAS achieves revenue of 2.4 M€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +23.3%. Significant drop of -56% vs 2023. After deducting consumption (0 €), gross margin stands at 2.4 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -44 k€, representing -1.9% of revenue. Warning negative scissor effect: despite revenue change (-56%), EBITDA varies by -102%, reducing margin by 49.7 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -4.6 M€ (-196.8% of revenue), which will impact equity.

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

2 361 195 €

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

2 361 195 €

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

-43 958 €

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

60 399 €

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

-4 646 268 €

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

-1.9%

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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 123%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 39%. The balance between equity and debt is satisfactory.

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

122.785%

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

39.121%

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

-18.964%

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

-119.751

Asset age ratio (2024) ?
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

58.0%

Solvency indicators evolution
TEMENOS HOLDINGS FRANCE SAS

Sector positioning

Debt ratio
122.78 2024
2021
2023
2024
Q1: 0.0
Med: 11.23
Q3: 90.41
Average

In 2024, the debt ratio of TEMENOS HOLDINGS FRANCE SAS (122.78) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
39.12% 2024
2021
2023
2024
Q1: 5.18%
Med: 39.1%
Q3: 79.71%
Good +15 pts over 3 years

In 2024, the financial autonomy of TEMENOS HOLDINGS FRANCE SAS (39.1%) 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
-119.75 years 2024
2021
2023
2024
Q1: 0.0 years
Med: 0.02 years
Q3: 2.9 years
Excellent -38 pts over 3 years

In 2024, the repayment capacity of TEMENOS HOLDINGS FRANCE SAS (-119.75) 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 273.10. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

273.1

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

-14044.745

Liquidity indicators evolution
TEMENOS HOLDINGS FRANCE SAS

Sector positioning

Liquidity ratio
273.1 2024
2021
2023
2024
Q1: 104.39
Med: 336.39
Q3: 1728.48
Average +17 pts over 3 years

In 2024, the liquidity ratio of TEMENOS HOLDINGS FRANCE SAS (273.10) 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.

Interest coverage
-14044.75x 2024
2021
2023
2024
Q1: -24.69x
Med: 0.0x
Q3: 0.2x
Watch

In 2024, the interest coverage of TEMENOS HOLDINGS FRANCE SAS (-14044.8x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.

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: 1072 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 15351 days. Excellent situation: suppliers finance 14279 days of the operating cycle (retail model). Overall, WCR represents 4656 days of revenue, i.e. 30.5 M€ to permanently finance. Over 2017-2024, WCR increased by +68%, 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

30 538 091 €

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

1072 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

15351 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

4656 j

WCR and payment terms evolution
TEMENOS HOLDINGS FRANCE SAS

Positioning of TEMENOS HOLDINGS FRANCE SAS in its sector

Comparison with sector Services administratifs combinés de bureau

Valuation estimate

Based on 173 transactions of similar company sales (all years), the value of TEMENOS HOLDINGS FRANCE SAS is estimated at 907 638 € (range 380 051€ - 2 050 160€). The price/revenue ratio is 0.38x (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
173 transactions
380k€ 907k€ 2050k€
907 638 € Range: 380 051€ - 2 050 160€
NAF 5 all-time

Valuation method used

Revenue Multiple
2 361 195 € × 0.38x = 907 639 €
Range: 380 052€ - 2 050 160€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 173 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 (Services administratifs combinés de bureau)

Compare TEMENOS HOLDINGS FRANCE SAS with other companies in the same sector:

Voir toutes les statistiques du secteur Services administratifs combinés de bureau

Frequently asked questions about TEMENOS HOLDINGS FRANCE SAS

What is the revenue of TEMENOS HOLDINGS FRANCE SAS ?

The revenue of TEMENOS HOLDINGS FRANCE SAS in 2024 is 2.4 M€.

Is TEMENOS HOLDINGS FRANCE SAS profitable?

TEMENOS HOLDINGS FRANCE SAS recorded a net loss in 2024.

Where is the headquarters of TEMENOS HOLDINGS FRANCE SAS ?

The headquarters of TEMENOS HOLDINGS FRANCE SAS is located in PARIS (75008), in the department Paris.

Where to find the tax return of TEMENOS HOLDINGS FRANCE SAS ?

The tax return of TEMENOS HOLDINGS FRANCE SAS 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 TEMENOS HOLDINGS FRANCE SAS operate?

TEMENOS HOLDINGS FRANCE SAS operates in the sector Services administratifs combinés de bureau (NAF code 82.11Z). See the 'Sector positioning' section above to compare the company with its competitors.