SIREN : 438798399
TO-IMMO is a French company founded 24 years ago, specialized in the sector Activités des sociétés holding. Based in LIBOURNE (33500), this company of category PME shows in 2025 a revenue of 460 k€. 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 | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 459 819 € | 480 696 € | 599 405 € | 709 125 € | 229 606 € |
| Net income | 16 825 € | 5 439 € | 37 886 € | 27 035 € | 42 416 € |
| EBITDA | 58 265 € | 164 758 € | 239 019 € | 109 618 € | -11 943 € |
| Net margin | 3.7% | 1.1% | 6.3% | 3.8% | 18.5% |
In 2025, TO-IMMO achieves revenue of 460 k€. Over the period 2021-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +19.0%. Slight decline of -4% vs 2024. After deducting consumption (87 k€), gross margin stands at 373 k€, i.e. a rate of 81%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 58 k€, representing 12.7% of revenue. Warning negative scissor effect: despite revenue change (-4%), EBITDA varies by -65%, reducing margin by 21.6 pts. This reflects costs rising faster than revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 17 k€, i.e. 3.7% of revenue. This profit can be retained or distributed to shareholders.
459 819 €
372 526 €
58 265 €
-79 137 €
16 825 €
12.7%
The debt ratio (= Financial debt / Equity x 100) stands at 132%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 36%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 9.5 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 38.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
132.151%
36.419%
38.635%
9.488
52.8%
In 2025, the debt ratio of TO-IMMO (132.15) 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 2025, the financial autonomy of TO-IMMO (36.4%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2025, the repayment capacity of TO-IMMO (9.49) 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 742.21. 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 67.0x. Operating income very largely covers interest expenses: high safety margin.
742.21
66.984
In 2025, the liquidity ratio of TO-IMMO (742.21) 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.
In 2025, the interest coverage of TO-IMMO (67.0x) 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: 96 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 70 days. The company must finance 26 days of gap between collections and payments. Inventory turnover is 416 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 1008 days of revenue, i.e. 1.3 M€ to permanently finance.
1 287 355 €
96 j
70 j
416 j
1008 j
Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 137 794€ to 428 181€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 20 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 TO-IMMO with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of TO-IMMO in 2025 is 460 k€.
Yes, TO-IMMO generated a net profit of 17 k€ in 2025.
The headquarters of TO-IMMO is located in LIBOURNE (33500), in the department Gironde.
The tax return of TO-IMMO 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).
TO-IMMO operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.