TESSI GESTION ASSURANCE : revenue, balance sheet and financial ratios

TESSI GESTION ASSURANCE is a French company founded 9 years ago, specialized in the sector Évaluation des risques et dommages. Based in BOULOGNE-BILLANCOURT (92100), this company of category ETI shows in 2024 a revenue of 4.4 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 - TESSI GESTION ASSURANCE (SIREN 822481115)
Indicator 2024 2023 2021 2020 2019 2018 2017 2016
Revenue 4 426 478 € 4 576 701 € N/C 284 832 € 255 369 € 312 969 € 526 752 € 138 594 €
Net income -127 564 € 3 968 889 € -2 540 € 6 238 € 10 297 € 10 857 € 17 362 € 6 144 €
EBITDA -196 695 € -1 063 438 € -3 730 € 7 121 € 10 306 € 9 460 € 16 246 € 6 784 €
Net margin -2.9% 86.7% N/C 2.2% 4.0% 3.5% 3.3% 4.4%

Revenue and income statement

In 2024, TESSI GESTION ASSURANCE achieves revenue of 4.4 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +54.2%. Slight decline of -3% vs 2023. After deducting consumption (0 €), gross margin stands at 4.4 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 -197 k€, representing -4.4% of revenue. Positive scissor effect: EBITDA margin improves by +18.8 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -128 k€ (-2.9% 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

4 426 478 €

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

4 426 478 €

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

-196 695 €

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

-449 517 €

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

-127 564 €

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

-4.4%

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Chart evolution

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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 151%. 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 18%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 18.9 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 1.6% 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

150.915%

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

18.1%

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

1.649%

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

18.908

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

88.0%

Solvency indicators evolution
TESSI GESTION ASSURANCE

Sector positioning

Debt ratio
150.91 2024
2021
2023
2024
Q1: 0.34
Med: 15.78
Q3: 51.95
Watch +50 pts over 3 years

In 2024, the debt ratio of TESSI GESTION ASSURANCE (150.91) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
18.1% 2024
2021
2023
2024
Q1: 19.33%
Med: 44.34%
Q3: 61.51%
Watch -51 pts over 3 years

In 2024, the financial autonomy of TESSI GESTION ASSURANCE (18.1%) 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.

Repayment capacity
18.91 years 2024
2021
2023
2024
Q1: 0.0 years
Med: 0.14 years
Q3: 1.8 years
Watch +51 pts over 3 years

In 2024, the repayment capacity of TESSI GESTION ASSURANCE (18.91) ranks in the top 25% of the sector. 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 133.80. 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

133.797

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

-5.886

Liquidity indicators evolution
TESSI GESTION ASSURANCE

Sector positioning

Liquidity ratio
133.8 2024
2021
2023
2024
Q1: 124.63
Med: 157.8
Q3: 244.91
Average -43 pts over 3 years

In 2024, the liquidity ratio of TESSI GESTION ASSURANCE (133.80) 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
-5.89x 2024
2021
2023
2024
Q1: 0.0x
Med: 0.2x
Q3: 4.37x
Watch

In 2024, the interest coverage of TESSI GESTION ASSURANCE (-5.9x) 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: 194 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 228 days. Excellent situation: suppliers finance 34 days of the operating cycle (retail model). WCR is negative (-40 days): operations structurally generate cash. Notable WCR improvement over the period (-619%), freeing up cash.

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

-490 896 €

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

194 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

228 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

-40 j

WCR and payment terms evolution
TESSI GESTION ASSURANCE

Positioning of TESSI GESTION ASSURANCE in its sector

Comparison with sector Évaluation des risques et dommages

Valuation estimate

Based on 209 transactions of similar company sales (all years), the value of TESSI GESTION ASSURANCE is estimated at 3 835 063 € (range 1 184 427€ - 7 877 277€). The price/revenue ratio is 0.87x (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.

Estimated enterprise value 2024
209 transactions
1184k€ 3835k€ 7877k€
3 835 063 € Range: 1 184 427€ - 7 877 277€
NAF 4 all-time Aggregated at NAF sub-class level

Valuation method used

Revenue Multiple
4 426 478 € × 0.87x = 3 835 063 €
Range: 1 184 428€ - 7 877 278€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 209 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 (Évaluation des risques et dommages)

Compare TESSI GESTION ASSURANCE with other companies in the same sector:

Voir toutes les statistiques du secteur Évaluation des risques et dommages

Frequently asked questions about TESSI GESTION ASSURANCE

What is the revenue of TESSI GESTION ASSURANCE ?

The revenue of TESSI GESTION ASSURANCE in 2024 is 4.4 M€.

Is TESSI GESTION ASSURANCE profitable?

TESSI GESTION ASSURANCE recorded a net loss in 2024.

Where is the headquarters of TESSI GESTION ASSURANCE ?

The headquarters of TESSI GESTION ASSURANCE is located in BOULOGNE-BILLANCOURT (92100), in the department Hauts-de-Seine.

Where to find the tax return of TESSI GESTION ASSURANCE ?

The tax return of TESSI GESTION ASSURANCE 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 GESTION ASSURANCE operate?

TESSI GESTION ASSURANCE operates in the sector Évaluation des risques et dommages (NAF code 66.21Z). See the 'Sector positioning' section above to compare the company with its competitors.