TESSI CHEQUE ILE DE FRANCE : revenue, balance sheet and financial ratios

TESSI CHEQUE ILE DE FRANCE is a French company founded 24 years ago, specialized in the sector Traitement de données, hébergement et activités connexes. Based in MONTREUIL (93100), this company of category ETI shows in 2024 a revenue of 13.6 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 - TESSI CHEQUE ILE DE FRANCE (SIREN 439202698)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 13 611 281 € 14 138 016 € 9 003 421 € 9 321 074 € 5 920 654 € 5 386 696 € 4 972 472 € 2 839 649 € 2 347 462 €
Net income 346 221 € 241 535 € 203 420 € 221 341 € 114 130 € 48 151 € 163 051 € 535 558 € 316 646 €
EBITDA 781 312 € 646 665 € 552 511 € 477 180 € 263 142 € 139 110 € 282 939 € 674 277 € 474 996 €
Net margin 2.5% 1.7% 2.3% 2.4% 1.9% 0.9% 3.3% 18.9% 13.5%

Revenue and income statement

In 2024, TESSI CHEQUE ILE DE FRANCE achieves revenue of 13.6 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +24.6%. Slight decline of -4% vs 2023. After deducting consumption (206 k€), gross margin stands at 13.4 M€, i.e. a rate of 98%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 781 k€, representing 5.7% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 346 k€, i.e. 2.5% of revenue. This profit can be retained or distributed to shareholders.

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

13 611 281 €

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

13 405 355 €

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

781 312 €

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

557 665 €

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

346 221 €

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

5.7%

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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 9%. 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 38%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 4.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

9.247%

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

38.311%

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

4.215%

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

0.297

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

14.0%

Solvency indicators evolution
TESSI CHEQUE ILE DE FRANCE

Sector positioning

Debt ratio
9.25 2024
2022
2023
2024
Q1: 0.0
Med: 3.56
Q3: 36.34
Average

In 2024, the debt ratio of TESSI CHEQUE ILE DE FRANCE (9.25) 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
38.31% 2024
2022
2023
2024
Q1: 7.14%
Med: 36.48%
Q3: 62.14%
Good

In 2024, the financial autonomy of TESSI CHEQUE ILE DE FRANCE (38.3%) 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
0.3 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 1.09 years
Average -7 pts over 3 years

In 2024, the repayment capacity of TESSI CHEQUE ILE DE FRANCE (0.30) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 146.26. 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 0.2x. Danger: operating income does not cover interest charges, unsustainable situation.

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

146.261

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

0.159

Liquidity indicators evolution
TESSI CHEQUE ILE DE FRANCE

Sector positioning

Liquidity ratio
146.26 2024
2022
2023
2024
Q1: 118.44
Med: 204.24
Q3: 388.71
Average

In 2024, the liquidity ratio of TESSI CHEQUE ILE DE FRANCE (146.26) 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
0.16x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.25x
Good

In 2024, the interest coverage of TESSI CHEQUE ILE DE FRANCE (0.2x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.

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: 44 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 58 days. Favorable situation: supplier credit is longer than customer credit by 14 days. Overall, WCR represents 82 days of revenue, i.e. 3.1 M€ to permanently finance. Over 2016-2024, WCR increased by +136%, 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

3 084 861 €

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

44 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

58 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

82 j

WCR and payment terms evolution
TESSI CHEQUE ILE DE FRANCE

Positioning of TESSI CHEQUE ILE DE FRANCE in its sector

Comparison with sector Traitement de données, hébergement et activités connexes

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (33 transactions). This range of 636 222€ to 3 820 274€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2024
Indicative
636k€ 1231k€ 3820k€
1 231 924 € Range: 636 222€ - 3 820 274€
NAF 5 all-time
How is this estimate calculated?

This estimate is based on the analysis of 33 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 (Traitement de données, hébergement et activités connexes)

Compare TESSI CHEQUE ILE DE FRANCE with other companies in the same sector:

Voir toutes les statistiques du secteur Traitement de données, hébergement et activités connexes

Frequently asked questions about TESSI CHEQUE ILE DE FRANCE

What is the revenue of TESSI CHEQUE ILE DE FRANCE ?

The revenue of TESSI CHEQUE ILE DE FRANCE in 2024 is 13.6 M€.

Is TESSI CHEQUE ILE DE FRANCE profitable?

Yes, TESSI CHEQUE ILE DE FRANCE generated a net profit of 346 k€ in 2024.

Where is the headquarters of TESSI CHEQUE ILE DE FRANCE ?

The headquarters of TESSI CHEQUE ILE DE FRANCE is located in MONTREUIL (93100), in the department Seine-Saint-Denis.

Where to find the tax return of TESSI CHEQUE ILE DE FRANCE ?

The tax return of TESSI CHEQUE ILE DE 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).

In which sector does TESSI CHEQUE ILE DE FRANCE operate?

TESSI CHEQUE ILE DE FRANCE operates in the sector Traitement de données, hébergement et activités connexes (NAF code 63.11Z). See the 'Sector positioning' section above to compare the company with its competitors.