SIREN : 840246847
TIFLO is a French company founded 7 years ago, specialized in the sector Commerce d'alimentation générale. Based in SAINT-ETIENNE (42100), this company of category PME shows in 2024 a revenue of 7.4 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|
| Revenue | 7 401 484 € | 7 219 902 € | 6 311 937 € | 5 558 860 € | N/C | N/C |
| Net income | 152 195 € | 152 459 € | 227 021 € | 184 851 € | 206 860 € | 193 314 € |
| EBITDA | 224 642 € | 216 645 € | 323 925 € | 242 262 € | N/C | N/C |
| Net margin | 2.1% | 2.1% | 3.6% | 3.3% | N/C | N/C |
In 2024, TIFLO achieves revenue of 7.4 M€. Over the period 2021-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +10.0%. Vs 2023: +3%. After deducting consumption (6.0 M€), gross margin stands at 1.4 M€, i.e. a rate of 19%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 225 k€, representing 3.0% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 152 k€, i.e. 2.1% of revenue. This profit can be retained or distributed to shareholders.
7 401 484 €
1 440 815 €
224 642 €
108 849 €
152 195 €
3.0%
The debt ratio (= Financial debt / Equity x 100) stands at 204%. 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 25%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 3.4 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 3.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
204.161%
24.637%
3.494%
3.402
58.7%
In 2024, the debt ratio of TIFLO (204.16) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of TIFLO (24.6%) 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.
In 2024, the repayment capacity of TIFLO (3.40) 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 183.08. 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 8.1x. Operating income very largely covers interest expenses: high safety margin.
183.076
8.1
In 2024, the liquidity ratio of TIFLO (183.08) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2024, the interest coverage of TIFLO (8.1x) 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: 1 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 14 days. Favorable situation: supplier credit is longer than customer credit by 13 days. Inventory turnover is 15 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 17 days of revenue, i.e. 348 k€ to permanently finance.
348 388 €
1 j
14 j
15 j
17 j
Based on 551 transactions of similar company sales in 2024, the value of TIFLO is estimated at 1 218 891 € (range 542 643€ - 2 469 180€). With an EBITDA of 224 642€, the sector multiple of 4.7x is applied. The price/revenue ratio is 0.23x (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 551 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 TIFLO with other companies in the same sector:
Voir toutes les statistiques du secteur Commerce d'alimentation générale
The revenue of TIFLO in 2024 is 7.4 M€.
Yes, TIFLO generated a net profit of 152 k€ in 2024.
The headquarters of TIFLO is located in SAINT-ETIENNE (42100), in the department Loire.
The tax return of TIFLO 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).
TIFLO operates in the sector Commerce d'alimentation générale (NAF code 47.11B). See the 'Sector positioning' section above to compare the company with its competitors.