TERRE DE GENS : revenue, balance sheet and financial ratios

Accounts Complet CA 2018 : 27 k€ Simplifié CA 2023 : 65 k€
Revenue 2018 27 k€
EBITDA 2018 3 k€
Net income 2018 2 k€

TERRE DE GENS is a French company founded 15 years ago, specialized in the sector Commerce de gros (commerce interentreprises) de vaisselle, verrerie et produits d'entretien. Based in DIORS (36130), this company of category PME shows in 2018 a revenue of 27 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

At a glance (2018) : revenue 27 k€, EBITDA 3 k€ (12.4 % of revenue), net income 2 k€. Balance sheet : equity 15 k€, financial debt 24 k€.

Data updated on 2026-09-19

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

About this data : partial data · outdated accounts

Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.

Le dernier exercice comptable publié pour cette entreprise remonte à 2018. Les données ci-dessous peuvent ne plus refléter sa situation actuelle.

Synthèse

Santé financière : Saine

Aucun signal de fragilité majeur : rentabilité positive et structure financière équilibrée.

In summary, TERRE DE GENS posts positive profitability over the latest financial year. Its financial structure is fragile, with debt above sector norms — a point to monitor.

Financial history - TERRE DE GENS (SIREN 531124287) · Accounts : Complet · amounts in thousands of euros (€k)
Indicator 2018
Revenue 27
Net income 2
EBITDA 3
Gross margin 13
Operating income 2
Net margin 9,2 %
Equity 15
Financial debt 24
Tax returns Download accounts (CSV / Excel)

Revenue and income statement

In 2018, TERRE DE GENS achieves revenue of 27 k€. After deducting consumption (13 k€), gross margin stands at 13 k€, i.e. a rate of 51%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 3 k€, representing 12.4% of revenue. Compared with its sector, this ratio places the company among the best positioned (sector median: 4.3%). Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 2 k€, i.e. 9.2% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2018) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

26 525 €

Gross margin (2018) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

13 396 €

EBITDA (2018) ?
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

3 295 €

EBIT (2018) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

2 450 €

Net income (2018) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

2 450 €

EBITDA margin (2018) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

12,4 %

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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 157%. This ratio is less favorable than the sector median (13.8%) and warrants attention. Financial autonomy (= Equity / Total assets x 100) reaches 35%. This ratio is slightly less favorable than the sector median (46.5%). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 7.8 years of cash flow to repay all financial debt. This ratio is less favorable than the sector median (0.3 years) and warrants attention. Cash flow represents 11.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Compared with its sector, this ratio places the company among the best positioned (sector median: 3.4%).

Debt ratio (2018) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

157,0 %

Financial autonomy (2018) ?
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

34,6 %

Cash flow / Revenue (2018) ?
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

11,5 %

Repayment capacity (2018) ?
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

7,8 ans

Asset age ratio (2018) ?
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

56,1 %

Solvency indicators evolution
TERRE DE GENS

Sector positioning

Debt ratio
157,0% 2018
Q1: 0,4%
Med: 13,8%
Q3: 51,5%
Watch

In 2018, the debt ratio of TERRE DE GENS (157,0%) fait partie des 25 % les plus élevés du secteur. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
34,6% 2018
Q1: 25,7%
Med: 46,5%
Q3: 63,1%
Average

In 2018, the financial autonomy of TERRE DE GENS (34,6%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
7,8 years 2018
Q1: 0,0 years
Med: 0,3 years
Q3: 1,3 years
Watch

In 2018, the repayment capacity of TERRE DE GENS (7,78) fait partie des 25 % les plus élevés du secteur. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 4.05. Compared with its sector, this ratio places the company among the best positioned (sector median: 2.0).

Liquidity ratio (2018) ?
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

4,05

Liquidity indicators evolution
TERRE DE GENS

Sector positioning

Liquidity ratio
4,05 2018
Q1: 1,42
Med: 2,00
Q3: 2,91
Excellent

In 2018, the liquidity ratio of TERRE DE GENS (4,05) 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.

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: 6 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 0 days. The company must finance 6 days of gap between collections and payments. Inventory turnover is 204 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 496 days of revenue, i.e. 37 k€ to permanently finance.

Operating WCR (2018) ?
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

36 566 €

Customer credit (2018) ?
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

6 j

Supplier credit (2018) ?
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

0 j

Inventory turnover (2018) ?
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

204 j

WCR in days of revenue (2018) ?
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

496 j

WCR and payment terms evolution
TERRE DE GENS

Positioning of TERRE DE GENS in its sector

Comparison with sector Commerce de gros (commerce interentreprises) de vaisselle, verrerie et produits d'entretien

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (28 transactions). This range of 2 148€ to 15 291€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2018
Indicative
2k€ 7k€ 15k€
7 681 € Range: 2 148€ - 15 291€

Les capitaux propres comptables (15 k€ en 2018) dépassent cette estimation : l'entreprise détient probablement des actifs (trésorerie, immobilier, participations) que les multiples d'activité ne valorisent pas. Cette estimation est alors un plancher, pas une valeur de marché.

NAF 5 all-time
How is this estimate calculated?

This estimate is based on the analysis of 28 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 (Commerce de gros (commerce interentreprises) de vaisselle, verrerie et produits d'entretien)

Compare TERRE DE GENS with other companies in the same sector:

Voir toutes les statistiques du secteur Commerce de gros (commerce interentreprises) de vaisselle, verrerie et produits d'entretien

Top companies in Commerce de gros (commerce interentreprises) de vaisselle, verrerie et produits d'entretien

Largest companies by revenue in the sector Commerce de gros (commerce interentreprises) de vaisselle, verrerie et produits d'entretien:

Top companies in Indre

Largest companies by revenue in the department Indre:

Voir le classement complet du département Indre

Frequently asked questions about TERRE DE GENS

What is the revenue of TERRE DE GENS ?

The revenue of TERRE DE GENS in 2018 is 27 k€.

Is TERRE DE GENS profitable?

Yes, TERRE DE GENS generated a net profit of 2 k€ in 2018.

Where is the headquarters of TERRE DE GENS ?

The headquarters of TERRE DE GENS is located in DIORS (36130), in the department Indre.

Where to find the tax return of TERRE DE GENS ?

The tax return of TERRE DE GENS 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 TERRE DE GENS operate?

TERRE DE GENS operates in the sector Commerce de gros (commerce interentreprises) de vaisselle, verrerie et produits d'entretien (NAF code 46.44Z). See the 'Sector positioning' section above to compare the company with its competitors.