SIREN : 832464010
TERMA FRANCE is a French company founded 8 years ago, specialized in the sector Programmation informatique. Based in PARIS (75017), this company of category PME shows in 2025 a revenue of 915 k€. 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
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|
| Revenue | 914 664 € | 797 550 € | 1 223 882 € | 1 298 180 € | 1 218 570 € | 1 210 324 € | 1 098 656 € |
| Net income | 35 586 € | -163 877 € | 60 981 € | 112 495 € | 160 257 € | 116 320 € | 65 487 € |
| EBITDA | 41 430 € | -161 403 € | 81 947 € | 151 668 € | 207 615 € | 160 732 € | 75 332 € |
| Net margin | 3.9% | -20.5% | 5.0% | 8.7% | 13.2% | 9.6% | 6.0% |
In 2025, TERMA FRANCE achieves revenue of 915 k€. Activity remains stable over the period (CAGR: -3.0%). Vs 2024, growth of +15% (798 k€ -> 915 k€). After deducting consumption (0 €), gross margin stands at 915 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 41 k€, representing 4.5% of revenue. Positive scissor effect: EBITDA margin improves by +24.8 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 36 k€, i.e. 3.9% of revenue. This profit can be retained or distributed to shareholders.
914 664 €
914 664 €
41 430 €
41 240 €
35 586 €
4.5%
The debt ratio (= Financial debt / Equity x 100) stands at -172%. 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 -31%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 3.2 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 3.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
-171.747%
-30.879%
3.718%
3.169
9.4%
In 2025, the debt ratio of TERMA FRANCE (-171.75) 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 2025, the financial autonomy of TERMA FRANCE (-30.9%) 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.
In 2025, the repayment capacity of TERMA FRANCE (3.17) 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 126.78. 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 17.9x. Operating income very largely covers interest expenses: high safety margin.
126.78
17.924
In 2025, the liquidity ratio of TERMA FRANCE (126.78) 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.
In 2025, the interest coverage of TERMA FRANCE (17.9x) 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: 21 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 34 days. Favorable situation: supplier credit is longer than customer credit by 13 days. WCR is negative (-26 days): operations structurally generate cash. Notable WCR improvement over the period (-154%), freeing up cash.
-65 097 €
21 j
34 j
0 j
-26 j
Based on 120 transactions of similar company sales (all years), the value of TERMA FRANCE is estimated at 135 913 € (range 68 766€ - 351 299€). With an EBITDA of 41 430€, the sector multiple of 2.2x is applied. The price/revenue ratio is 0.27x (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.
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This estimate is based on the analysis of 120 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 TERMA FRANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Programmation informatique
The revenue of TERMA FRANCE in 2025 is 915 k€.
Yes, TERMA FRANCE generated a net profit of 36 k€ in 2025.
The headquarters of TERMA FRANCE is located in PARIS (75017), in the department Paris.
The tax return of TERMA FRANCE 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).
TERMA FRANCE operates in the sector Programmation informatique (NAF code 62.01Z). See the 'Sector positioning' section above to compare the company with its competitors.