TOT CERAMICA NARBONNE : revenue, balance sheet and financial ratios

TOT CERAMICA NARBONNE is a French company founded 17 years ago, specialized in the sector Intermédiaires du commerce en bois et matériaux de construction. Based in NARBONNE (11100), this company of category PME shows in 2025 a revenue of 1.7 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 - TOT CERAMICA NARBONNE (SIREN 505407163)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 1 655 964 € 1 823 966 € 2 324 218 € 1 966 378 € 1 911 486 € 1 322 529 € 1 080 208 € 1 044 953 € 981 287 € 850 892 €
Net income 12 038 € 22 453 € 10 601 € 23 136 € 6 517 € 10 059 € 10 089 € 447 € 797 € -56 701 €
EBITDA 75 267 € 97 683 € 55 474 € 72 326 € 41 177 € 40 975 € 47 855 € 53 369 € 48 943 € 4 734 €
Net margin 0.7% 1.2% 0.5% 1.2% 0.3% 0.8% 0.9% 0.0% 0.1% -6.7%

Revenue and income statement

In 2025, TOT CERAMICA NARBONNE achieves revenue of 1.7 M€. Over the period 2016-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +7.7%. Slight decline of -9% vs 2024. After deducting consumption (993 k€), gross margin stands at 663 k€, i.e. a rate of 40%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 75 k€, representing 4.5% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 12 k€, i.e. 0.7% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

1 655 964 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

662 911 €

EBITDA (2025) ?
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

75 267 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

54 642 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

12 038 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

4.5%

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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 117%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 23%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 3.5 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 2.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

116.583%

Financial autonomy (2025) ?
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

22.919%

Cash flow / Revenue (2025) ?
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

1.989%

Repayment capacity (2025) ?
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

3.547

Asset age ratio (2025) ?
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

45.5%

Solvency indicators evolution
TOT CERAMICA NARBONNE

Sector positioning

Debt ratio
116.58 2025
2023
2024
2025
Q1: 4.86
Med: 27.21
Q3: 59.98
Watch +26 pts over 3 years

In 2025, the debt ratio of TOT CERAMICA NARBONNE (116.58) 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
22.92% 2025
2023
2024
2025
Q1: 24.54%
Med: 43.66%
Q3: 63.04%
Watch -6 pts over 3 years

In 2025, the financial autonomy of TOT CERAMICA NARBONNE (22.9%) 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
3.55 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 1.23 years
Q3: 2.95 years
Watch +17 pts over 3 years

In 2025, the repayment capacity of TOT CERAMICA NARBONNE (3.55) 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 100.13. 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 4.4x. Financial charges are adequately covered by operations.

Liquidity ratio (2025) ?
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

100.127

Interest coverage (2025) ?
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

4.399

Liquidity indicators evolution
TOT CERAMICA NARBONNE

Sector positioning

Liquidity ratio
100.13 2025
2023
2024
2025
Q1: 166.5
Med: 269.38
Q3: 358.93
Watch

In 2025, the liquidity ratio of TOT CERAMICA NARBONNE (100.13) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
4.4x 2025
2023
2024
2025
Q1: 0.0x
Med: 4.4x
Q3: 11.37x
Good -26 pts over 3 years

In 2025, the interest coverage of TOT CERAMICA NARBONNE (4.4x) 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: 7 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 39 days. Excellent situation: suppliers finance 32 days of the operating cycle (retail model). Inventory turnover is 13 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 10 days of revenue, i.e. 47 k€ to permanently finance. Over 2016-2025, WCR increased by +108%, requiring additional financing.

Operating WCR (2025) ?
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

47 394 €

Customer credit (2025) ?
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

7 j

Supplier credit (2025) ?
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

39 j

Inventory turnover (2025) ?
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

13 j

WCR in days of revenue (2025) ?
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

10 j

WCR and payment terms evolution
TOT CERAMICA NARBONNE

Positioning of TOT CERAMICA NARBONNE in its sector

Comparison with sector Intermédiaires du commerce en bois et matériaux de construction

Valuation estimate

Based on 229 transactions of similar company sales (all years), the value of TOT CERAMICA NARBONNE is estimated at 226 300 € (range 97 174€ - 613 605€). With an EBITDA of 75 267€, the sector multiple of 1.6x is applied. The price/revenue ratio is 0.32x (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.

Estimated enterprise value 2025
229 transactions
97k€ 226k€ 613k€
226 300 € Range: 97 174€ - 613 605€
NAF 4 all-time Aggregated at NAF sub-class level

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
75 267 € × 1.6x
Estimation 122 269 €
39 903€ - 405 918€
Revenue Multiple 30%
1 655 964 € × 0.32x
Estimation 537 007 €
251 797€ - 1 313 833€
Net Income Multiple 20%
12 038 € × 1.7x
Estimation 20 319 €
8 417€ - 82 481€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 229 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 (Intermédiaires du commerce en bois et matériaux de construction)

Compare TOT CERAMICA NARBONNE with other companies in the same sector:

Voir toutes les statistiques du secteur Intermédiaires du commerce en bois et matériaux de construction

Frequently asked questions about TOT CERAMICA NARBONNE

What is the revenue of TOT CERAMICA NARBONNE ?

The revenue of TOT CERAMICA NARBONNE in 2025 is 1.7 M€.

Is TOT CERAMICA NARBONNE profitable?

Yes, TOT CERAMICA NARBONNE generated a net profit of 12 k€ in 2025.

Where is the headquarters of TOT CERAMICA NARBONNE ?

The headquarters of TOT CERAMICA NARBONNE is located in NARBONNE (11100), in the department Aude.

Where to find the tax return of TOT CERAMICA NARBONNE ?

The tax return of TOT CERAMICA NARBONNE 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 TOT CERAMICA NARBONNE operate?

TOT CERAMICA NARBONNE operates in the sector Intermédiaires du commerce en bois et matériaux de construction (NAF code 46.13Z). See the 'Sector positioning' section above to compare the company with its competitors.