How does your company compare with its sector? The data does not lie.

Compare your EBITDA margin, productivity and debt against real data from thousands of Spanish SMEs in your sector (Bank of Spain, Eurostat). In one minute you will know whether you are ahead… or behind.

Enter the figures from your last closed financial year

Five numbers you already have in your annual accounts. The calculation is 100% local: nothing you type leaves your browser.

Based on the Bank of Spain CNAE/NACE classification.
Net turnover for the last financial year.
Earnings before interest, taxes, depreciation and amortization. Can be negative.
Bank loans, credit lines, leasing and other interest-bearing debt. Enter 0 if none.
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Check the data: we need sector, revenue, employees and EBITDA to compare.

Your position versus the sector

Diagnosis

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estimated position among the SMEs in your sector (percentile)
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additional annual EBITDA the top quartile of your sector generates with your same revenue
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your EBITDA margin versus the sector median

Your position on the sector curve

Distribution of SMEs in your sector; the shaded area is the percentage behind you.

EBITDA margin: you versus your sector’s real distribution

P25–P75 band of Spanish SMEs in your sector (Bank of Spain, RSE 2024, companies <€50M).

Productivity: revenue per employee

Versus the average for your branch of activity in Spain (Eurostat, Structural Business Statistics 2023).

Leverage: financial debt / EBITDA

Banking-practice and supervisory thresholds (ECB >4x: leveraged transaction · Fed >6x: raises concerns).

What a CFO would focus on in your case

Priorities based on your numbers, in the order a professional finance leader would attack them.

    What if you close the gap? EBITDA projection with myCFO

    Indicative 3-year scenario progressively closing the distance to your sector’s median and top quartile.

    Talk to myCFO →

    Only 41.9% of Spanish companies created in 2018 were still active five years later (INE, Harmonized Business Demography). Being “average” is not being safe: the average includes the ones that disappear.

    Request a free financial audit How we fix it with myCFO →

    Where these numbers come from

    EBITDA margins. We use the medians and quartiles (P25/P75) of the ratio “Gross operating result / Net turnover” from the Bank of Spain Sector Ratios database (RSE 2024, with the European Committee of Central Balance Sheet Data Offices), for companies below €50M in revenue: the typical SME in each sector, not an average distorted by large corporates. Each sector aggregates between 1,600 and 82,000 real companies.

    Productivity. Turnover per person employed for your branch of activity in Spain according to Eurostat (Structural Business Statistics, 2023). This is NACE-section-level data: a branch reference, not a fine-grained subsector figure.

    Leverage. We assess your financial debt/EBITDA ratio against the thresholds banks and supervisors use: below ~2.5x is considered comfortable; the ECB classifies exceeding 4x as a “leveraged transaction” (Guidance on Leveraged Transactions, 2017); and the Federal Reserve notes that exceeding 6x “raises concerns for most industries” (SR 13-3). As a reference, the aggregate ratio of Spanish companies stands at ~3.3x (Bank of Spain, 2025).

    Why we are demanding. We compare you against your sector’s top quartile —the leaders—, not just the median. The reason is simple: according to INE, only 41.9% of companies created in 2018 were still active five years later. A sector’s median includes the companies that will not be here tomorrow; the leaders set the standard of the ones that will.

    Limits. This is an orientation, not an audit report: your accounting may differ from the database criteria (accounting EBITDA, no IFRS 16 adjustments), some sectors have particularities (energy and real estate, flagged in the data itself) and productivity is branch-level. Getting from “where am I” to “what do I do” is exactly our job.