Mitarbeiter: NN (None)Rechtsform: SCA (commandite par actions)Größe: PMEGründungsdatum: 2019-03-12 (7 Jahre)Status: AktivBranche: Activités des agents et courtiers d'assurancesStandort: COLMAR (68000), Haut-Rhin
ASSURANCES ET PATRIMOINE MON AUTOMOBILE CLUB : revenue, balance sheet and financial ratios
ASSURANCES ET PATRIMOINE MON AUTOMOBILE CLUB is a French company
founded 7 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in COLMAR (68000),
this company of category PME
shows in 2023 a revenue of 2 k€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Historique financier - ASSURANCES ET PATRIMOINE MON AUTOMOBILE CLUB (SIREN 849028014)
Kennzahl
2023
2022
2021
2020
2019
Umsatz
2 489 €
2 413 €
2 698 €
2 770 €
2 706 €
Nettoergebnis
-59 €
75 €
1 049 €
903 €
879 €
EBITDA
-59 €
88 €
1 233 €
1 259 €
1 034 €
Nettomarge
-2.4%
3.1%
38.9%
32.6%
32.5%
Umsatz und Gewinn- und Verlustrechnung
In 2023, ASSURANCES ET PATRIMOINE MON AUTOMOBILE CLUB achieves revenue of 2 k€. Activity remains stable over the period (CAGR: -2.1%). Vs 2022: +3%. After deducting consumption (0 €), gross margin stands at 2 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -59 €, representing -2.4% of revenue. Warning negative scissor effect: despite revenue change (+3%), EBITDA varies by -167%, reducing margin by 6.0 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -59 € (-2.4% of revenue), which will impact equity.
Umsatz (2023)
?
Umsatz
Definition
Gesamtbetrag der Verkäufe von Waren und Dienstleistungen des Unternehmens.
Formel
Warenverkäufe + Verkaufte Produktion
2 489 €
Bruttomarge (2023)
?
Bruttomarge
Definition
Differenz zwischen Umsatz und Wareneinsatz.
Formel
Umsatz - Wareneinsatz
2 489 €
EBITDA (2023)
?
EBITDA (Betriebsergebnis vor Abschreibungen)
Definition
Ressource générée par l'activité courante, avant amortissements et charges financières.
Formel
Wertschöpfung - Personalkosten - Steuern
Interpretation
Positiv = rentable Tätigkeit
-59 €
EBIT (2023)
?
EBIT (Betriebsergebnis)
Definition
Betriebsergebnis, einschließlich Abschreibungen und Rückstellungen.
Formel
EBITDA - Abschreibungen und Rückstellungen + Auflösungen
-59 €
Nettoergebnis (2023)
?
Nettoergebnis
Definition
Bénéfice ou perte après toutes les charges, y compris impôts et éléments exceptionnels.
Le compte de résultat détaillé n'est pas disponible pour cette entreprise (liasse simplifiée ou données confidentielles).
Évolution graphique
Anzeigen :
Visualisierung erstellt mit numbers.finance Sources : INPI & BCE - Anpassungen : Ministère de l'Économie
Aktiva
Chargement des données...
Poste
Brutto
Abschr.
Netto
%
Entwicklung
Données de bilan actif non disponibles pour cette entreprise
Passiva
Chargement des données...
Poste
Jahr
%
Entwicklung
Données de bilan passif non disponibles pour cette entreprise
Solvenz- und Verschuldungskennzahlen
The debt ratio (= Financial debt / Equity x 100) stands at 0%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. Financial autonomy (= Equity / Total assets x 100) reaches 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers).
Verschuldungsgrad (2023)
?
Verschuldungsgrad
Definition
Misst das Verhältnis von Schulden zu Eigenkapital.
Formel
(Finanzschulden / Eigenkapital) x 100
Interpretation
< 50% : Faible 50-100% : Moderat > 100% : Hoch
0.0%
Finanzielle Autonomie (2023)
?
Finanzielle Autonomie
Definition
Anteil des Eigenkapitals an der Gesamtfinanzierung.
Capacité d'autofinancement rapportée au chiffre d'affaires.
Formel
(CAF / CA) x 100
Interpretation
Je höher das Verhältnis, desto mehr Liquidität generiert das Unternehmen
-2.37%
Rückzahlungsfähigkeit (2023)
?
Rückzahlungsfähigkeit
Definition
Anzahl der Jahre zur Schuldenrückzahlung mit dem Cashflow.
Formel
Dettes financières / CAF
Interpretation
< 3 Jahre : Ausgezeichnet 3-5 Jahre : Angemessen > 5 Jahre : Attention
0.0
Entwicklung der Solvenzkennzahlen ASSURANCES ET PATRIMOINE MON AUTOMOBILE CLUB
Visualisierung erstellt mit numbers.finance Sources : INPI & BCE - Anpassungen : Ministère de l'Économie
Kennzahl
2019
2020
2021
2022
2023
Verschuldungsgrad
0.0
0.0
0.0
19.094
0.0
Finanzielle Autonomie
0.0
0.0
0.0
15.988
0.0
Rückzahlungsfähigkeit
0.0
0.0
0.0
0.0
0.0
Cashflow / Umsatz
32.483%
32.635%
38.881%
3.108%
-2.37%
Positionnement sectoriel
Debt ratio
0.02023
2021
2022
2023
Q1: 0.0
Méd: 8.56
Q3: 49.2
Excellent
In 2023, the debt ratio of ASSURANCES ET PATRIMOINE ... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
Financial autonomy
0.0%2023
2021
2022
2023
Q1: 14.07%
Méd: 47.29%
Q3: 74.24%
Average
In 2023, the financial autonomy of ASSURANCES ET PATRIMOINE ... (0.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
Repayment capacity
0.0 years2023
2021
2022
2023
Q1: 0.0 years
Méd: 0.13 years
Q3: 2.02 years
Excellent
In 2023, the repayment capacity of ASSURANCES ET PATRIMOINE ... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.
Liquiditätskennzahlen
The liquidity ratio (= Current assets / Current liabilities) stands at 27553.85. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquiditätsquote (2023)
?
Liquiditätsquote
Definition
Fähigkeit, kurzfristige Schulden mit dem Umlaufvermögen zu decken.
Formel
Umlaufvermögen / Kurzfristige Verbindlichkeiten
Interpretation
> 1.5 : Sehr gut 1-1.5 : Angemessen < 1 : Risque de liquidité
27553.846
Zinsdeckung (2023)
?
Zinsdeckung
Definition
Fähigkeit, Zinsaufwendungen mit dem Betriebsergebnis zu decken.
Entwicklung der Liquiditätskennzahlen ASSURANCES ET PATRIMOINE MON AUTOMOBILE CLUB
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Kennzahl
2019
2020
2021
2022
2023
Liquiditätsquote
1312.258
1838.75
1389.899
614.756
27553.846
Zinsdeckung
0.0
0.0
0.0
0.0
0.0
Positionnement sectoriel
Liquidity ratio
27553.852023
2021
2022
2023
Q1: 123.62
Méd: 243.64
Q3: 585.08
Excellent
In 2023, the liquidity ratio of ASSURANCES ET PATRIMOINE ... (27553.85) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
Interest coverage
0.0x2023
2021
2022
2023
Q1: 0.0x
Méd: 0.0x
Q3: 1.99x
Average
In 2023, the interest coverage of ASSURANCES ET PATRIMOINE ... (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
Umlaufvermögensbedarf und Zahlungsfristen
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Overall, WCR represents 42 days of revenue, i.e. 291 € to permanently finance. Over 2019-2023, WCR increased by +288%, requiring additional financing.
Operatives Working Capital (2023)
?
Operatives Working Capital
Definition
Besoin de financement généré par le cycle d'exploitation (stocks + créances - dettes fournisseurs).
(Lieferantenverbindlichkeiten / Einkäufe inkl. MwSt.) x 360
Interpretation
Je länger die Frist, desto besser für die Liquidität
0 j
Lagerumschlag (2023)
?
Lagerumschlag (Tage)
Definition
Durchschnittliche Lagerdauer für Waren oder Materialien.
Formel
(Vorräte / Einkaufskosten) x 360
Interpretation
Je niedriger das Verhältnis, desto schneller der Umschlag
0 j
Working Capital in Umsatztagen (2023)
?
Working Capital in Umsatztagen
Definition
Drückt den Betriebskapitalbedarf in Umsatztagen aus.
Formel
(BFR exploitation / CA) x 360
Interpretation
Je weniger Tage, desto besser das Working Capital Management
42 j
Entwicklung des Working Capital und der Zahlungsfristen ASSURANCES ET PATRIMOINE MON AUTOMOBILE CLUB
Visualisierung erstellt mit numbers.finance Sources : INPI & BCE - Anpassungen : Ministère de l'Économie
Kennzahl
2019
2020
2021
2022
2023
BFR d'exploitation
-155 €
-160 €
-272 €
-759 €
291 €
Lagerumschlag (Tage)
0
0
0
0
0
Crédit clients (jours)
0
0
0
0
0
Crédit fournisseurs (jours)
0
0
23
0
0
Positionnement de ASSURANCES ET PATRIMOINE MON AUTOMOBILE CLUB dans son secteur
Vergleich mit der Branche Activités des agents et courtiers d'assurances
Bewertungsschätzung
Based on 193 transactions of similar company sales
(all years),
the value of ASSURANCES ET PATRIMOINE MON AUTOMOBILE CLUB is estimated at
2 445 €
(range 681€ - 4 547€).
The price/revenue ratio is 0.98x
(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 value2023
193 transactions
0k€2k€4k€
2 445 €Range: 681€ - 4 547€
NAF 5 all-time
Valuation method used
Revenue Multiple
2 489 €
×
0.98x
=2 445 €
Range: 682€ - 4 548€
Only this financial indicator is available for this company.
Bewertungsentwicklung
Visualisation creee via abddaf.fr Sources : BODACC & INPI
How is this estimate calculated?
This estimate is based on the analysis of 193 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 (Activités des agents et courtiers d'assurances)
Compare ASSURANCES ET PATRIMOINE MON AUTOMOBILE CLUB with other companies in the same sector:
Frequently asked questions about ASSURANCES ET PATRIMOINE MON AUTOMOBILE CLUB
What is the revenue of ASSURANCES ET PATRIMOINE MON AUTOMOBILE CLUB ?
The revenue of ASSURANCES ET PATRIMOINE MON AUTOMOBILE CLUB in 2023 is 2 k€.
Is ASSURANCES ET PATRIMOINE MON AUTOMOBILE CLUB profitable?
ASSURANCES ET PATRIMOINE MON AUTOMOBILE CLUB recorded a net loss in 2023.
Where is the headquarters of ASSURANCES ET PATRIMOINE MON AUTOMOBILE CLUB ?
The headquarters of ASSURANCES ET PATRIMOINE MON AUTOMOBILE CLUB is located in COLMAR (68000), in the department Haut-Rhin.
Where to find the tax return of ASSURANCES ET PATRIMOINE MON AUTOMOBILE CLUB ?
The tax return of ASSURANCES ET PATRIMOINE MON AUTOMOBILE CLUB 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 ASSURANCES ET PATRIMOINE MON AUTOMOBILE CLUB operate?
ASSURANCES ET PATRIMOINE MON AUTOMOBILE CLUB operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.
Item evolution
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