Mitarbeiter: 02 (2023.0)Rechtsform: Société à responsabilité limitée (sans autre indication)Größe: PMEGründungsdatum: 2008-01-02 (18 Jahre)Status: AktivBranche: Activités des agents et courtiers d'assurancesStandort: MARSEILLE (13008), Bouches-du-Rhone
ASSURANCES MARSEILLE PROVENCE : revenue, balance sheet and financial ratios
ASSURANCES MARSEILLE PROVENCE is a French company
founded 18 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in MARSEILLE (13008),
this company of category PME
shows in 2024 a revenue of 544 k€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
In 2024, ASSURANCES MARSEILLE PROVENCE achieves revenue of 544 k€. Revenue is declining over the period 2016-2024 (CAGR: -7.2%). Vs 2023: +4%. After deducting consumption (0 €), gross margin stands at 544 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 99 k€, representing 18.2% of revenue. Positive scissor effect: EBITDA margin improves by +2.8 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 73 k€, i.e. 13.4% of revenue. This profit can be retained or distributed to shareholders.
Umsatz (2024)
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Umsatz
Definition
Gesamtbetrag der Verkäufe von Waren und Dienstleistungen des Unternehmens.
Formel
Warenverkäufe + Verkaufte Produktion
543 837 €
Bruttomarge (2024)
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Bruttomarge
Definition
Differenz zwischen Umsatz und Wareneinsatz.
Formel
Umsatz - Wareneinsatz
543 837 €
EBITDA (2024)
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EBITDA (Betriebsergebnis vor Abschreibungen)
Definition
Ressource générée par l'activité courante, avant amortissements et charges financières.
Formel
Wertschöpfung - Personalkosten - Steuern
Interpretation
Positiv = rentable Tätigkeit
99 062 €
EBIT (2024)
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EBIT (Betriebsergebnis)
Definition
Betriebsergebnis, einschließlich Abschreibungen und Rückstellungen.
Formel
EBITDA - Abschreibungen und Rückstellungen + Auflösungen
92 195 €
Nettoergebnis (2024)
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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 4%. 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 90%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 17.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
Verschuldungsgrad (2024)
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Verschuldungsgrad
Definition
Misst das Verhältnis von Schulden zu Eigenkapital.
Formel
(Finanzschulden / Eigenkapital) x 100
Interpretation
< 50% : Faible 50-100% : Moderat > 100% : Hoch
4.033%
Finanzielle Autonomie (2024)
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Finanzielle Autonomie
Definition
Anteil des Eigenkapitals an der Gesamtfinanzierung.
Entwicklung der Solvenzkennzahlen ASSURANCES MARSEILLE PROVENCE
Visualisierung erstellt mit numbers.finance Sources : INPI & BCE - Anpassungen : Ministère de l'Économie
Kennzahl
2016
2017
2018
2019
2020
2021
2022
2023
2024
Verschuldungsgrad
43.435
27.629
22.31
21.796
19.669
20.425
13.656
9.222
4.033
Finanzielle Autonomie
65.165
72.143
76.459
77.418
78.072
78.577
81.798
85.813
89.976
Rückzahlungsfähigkeit
7.346
8.283
11.669
6.335
2.176
4.452
1.888
1.322
0.458
Cashflow / Umsatz
8.019%
4.777%
2.956%
5.62%
16.023%
8.224%
13.805%
13.911%
17.429%
Positionnement sectoriel
Debt ratio
4.032024
2022
2023
2024
Q1: 0.0
Méd: 7.61
Q3: 47.45
Good-12 pts über 3 Jahre
In 2024, the debt ratio of ASSURANCES MARSEILLE PROV... (4.03) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
Financial autonomy
89.98%2024
2022
2023
2024
Q1: 13.11%
Méd: 47.63%
Q3: 76.27%
Excellent
In 2024, the financial autonomy of ASSURANCES MARSEILLE PROV... (90.0%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
Repayment capacity
0.46 years2024
2022
2023
2024
Q1: 0.0 years
Méd: 0.12 years
Q3: 1.71 years
Average-14 pts über 3 Jahre
In 2024, the repayment capacity of ASSURANCES MARSEILLE PROV... (0.46) 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.
Liquiditätskennzahlen
The liquidity ratio (= Current assets / Current liabilities) stands at 138.10. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquiditätsquote (2024)
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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
138.104
Zinsdeckung (2024)
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Zinsdeckung
Definition
Fähigkeit, Zinsaufwendungen mit dem Betriebsergebnis zu decken.
Entwicklung der Liquiditätskennzahlen ASSURANCES MARSEILLE PROVENCE
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Kennzahl
2016
2017
2018
2019
2020
2021
2022
2023
2024
Liquiditätsquote
127.675
102.308
58.117
134.05
166.746
184.459
137.994
130.23
138.104
Zinsdeckung
9.522
8.401
8.779
8.6
2.358
3.676
1.031
0.085
0.0
Positionnement sectoriel
Liquidity ratio
138.12024
2022
2023
2024
Q1: 123.28
Méd: 242.89
Q3: 571.56
Average
In 2024, the liquidity ratio of ASSURANCES MARSEILLE PROV... (138.10) 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.
Interest coverage
0.0x2024
2022
2023
2024
Q1: 0.0x
Méd: 0.0x
Q3: 2.2x
Average-37 pts über 3 Jahre
In 2024, the interest coverage of ASSURANCES MARSEILLE PROV... (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. Average customer payment term: 1 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 13 days. Favorable situation: supplier credit is longer than customer credit by 12 days. WCR is negative (-18 days): operations structurally generate cash. Over 2016-2024, WCR increased by +70%, requiring additional financing.
Operatives Working Capital (2024)
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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
13 j
Lagerumschlag (2024)
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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 (2024)
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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
-18 j
Entwicklung des Working Capital und der Zahlungsfristen ASSURANCES MARSEILLE PROVENCE
Visualisierung erstellt mit numbers.finance Sources : INPI & BCE - Anpassungen : Ministère de l'Économie
Kennzahl
2016
2017
2018
2019
2020
2021
2022
2023
2024
BFR d'exploitation
-91 988 €
8 833 €
49 005 €
-11 416 €
-25 431 €
-18 184 €
-57 352 €
-24 634 €
-27 893 €
Lagerumschlag (Tage)
0
0
0
0
0
0
0
0
0
Crédit clients (jours)
0
2
1
2
1
1
2
3
1
Crédit fournisseurs (jours)
2
110
102
45
42
21
17
59
13
Positionnement de ASSURANCES MARSEILLE PROVENCE 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 MARSEILLE PROVENCE is estimated at
249 531 €
(range 74 037€ - 737 877€).
With an EBITDA of 99 062€, the sector multiple of 1.2x is applied.
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 value2024
193 transactions
74k€249k€737k€
249 531 €Range: 74 037€ - 737 877€
NAF 5 all-time
Valuation detail by method
Ajustez les pondérations selon votre analyse
EBITDA Multiple50%
99 062 €×1.2x
Estimation119 930 €
30 977€ - 612 156€
Revenue Multiple30%
543 837 €×0.98x
Estimation534 281 €
148 993€ - 993 670€
Net Income Multiple20%
72 744 €×2.0x
Estimation146 410 €
69 255€ - 668 491€
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 MARSEILLE PROVENCE with other companies in the same sector:
Frequently asked questions about ASSURANCES MARSEILLE PROVENCE
What is the revenue of ASSURANCES MARSEILLE PROVENCE ?
The revenue of ASSURANCES MARSEILLE PROVENCE in 2024 is 544 k€.
Is ASSURANCES MARSEILLE PROVENCE profitable?
Yes, ASSURANCES MARSEILLE PROVENCE generated a net profit of 73 k€ in 2024.
Where is the headquarters of ASSURANCES MARSEILLE PROVENCE ?
The headquarters of ASSURANCES MARSEILLE PROVENCE is located in MARSEILLE (13008), in the department Bouches-du-Rhone.
Where to find the tax return of ASSURANCES MARSEILLE PROVENCE ?
The tax return of ASSURANCES MARSEILLE PROVENCE 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 MARSEILLE PROVENCE operate?
ASSURANCES MARSEILLE PROVENCE 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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