Employees: 02 (2023.0)Legal category: Société à responsabilité limitée (sans autre indication)Size: PMECreation date: 2008-12-01 (17 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: REIMS (51100), Marne
3 H CONSEILS : revenue, balance sheet and financial ratios
3 H CONSEILS is a French company
founded 17 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in REIMS (51100),
this company of category PME
shows in 2021 a revenue of 4.8 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - 3 H CONSEILS (SIREN 509582615)
Indicator
2024
2023
2022
2021
2020
2019
2018
2017
2016
Revenue
N/C
N/C
N/C
4 844 023 €
3 856 147 €
3 291 248 €
3 603 225 €
3 277 947 €
2 654 652 €
Net income
112 097 €
262 166 €
294 630 €
161 434 €
44 492 €
7 730 €
29 512 €
39 256 €
30 216 €
EBITDA
N/C
N/C
N/C
220 165 €
128 840 €
-32 623 €
29 081 €
154 317 €
160 082 €
Net margin
N/C
N/C
N/C
3.3%
1.2%
0.2%
0.8%
1.2%
1.1%
Revenue and income statement
In 2024, 3 H CONSEILS generates positive net income of 112 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 30 k€ -> 112 k€.
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
112 097 €
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
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 64%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
Debt ratio (2024)
?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
0.0%
Financial autonomy (2024)
?
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
63.908%
Asset age ratio (2024)
?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Debt ratio
0.0
0.0
0.0
0.0
0.0
2.212
0.0
0.0
0.0
Financial autonomy
26.531
23.128
30.846
36.167
32.556
34.567
78.98
77.02
63.908
Repayment capacity
0.0
0.0
0.0
0.0
0.0
0.05
None
None
None
Cash flow / Revenue
0.828%
4.579%
1.06%
0.447%
3.152%
3.472%
None%
None%
None%
Sector positioning
Debt ratio
0.02024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Excellent
In 2024, the debt ratio of 3 H CONSEILS (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
63.91%2024
2022
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Good-11 pts over 3 years
In 2024, the financial autonomy of 3 H CONSEILS (63.9%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 274.43. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquidity ratio (2024)
?
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
274.429
Liquidity indicators evolution 3 H CONSEILS
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Liquidity ratio
112.963
151.073
172.866
166.217
183.678
177.721
529.816
420.378
274.429
Interest coverage
0.0
0.0
0.0
0.0
0.0
0.0
None
None
None
Sector positioning
Liquidity ratio
274.432024
2022
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Good-23 pts over 3 years
In 2024, the liquidity ratio of 3 H CONSEILS (274.43) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. 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.
Operating WCR (2024)
?
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
0 €
Customer credit (2024)
?
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
0 j
Supplier credit (2024)
?
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
0 j
Inventory turnover (2024)
?
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
0 j
WCR and payment terms evolution 3 H CONSEILS
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Operating WCR
59 358 €
174 354 €
81 109 €
-26 955 €
35 785 €
-253 536 €
0 €
0 €
0 €
Inventory turnover (days)
0
0
0
0
0
0
0
0
0
Customer payment term (days)
17
29
20
14
19
11
0
0
0
Supplier payment term (days)
16
18
9
6
10
9
0
0
0
Positioning of 3 H CONSEILS in its sector
Comparison with sector Activités des agents et courtiers d'assurances
Valuation estimate
Based on 193 transactions of similar company sales
(all years),
the value of 3 H CONSEILS is estimated at
225 614 €
(range 106 719€ - 1 030 131€).
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
106k€225k€1030k€
225 614 €Range: 106 719€ - 1 030 131€
NAF 5 all-time
Valuation method used
Net Income Multiple
112 097 €
×
2.0x
=225 614 €
Range: 106 720€ - 1 030 131€
Only this financial indicator is available for this company.
Valuation evolution
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 3 H CONSEILS with other companies in the same sector:
Yes, 3 H CONSEILS generated a net profit of 112 k€ in 2024.
Where is the headquarters of 3 H CONSEILS ?
The headquarters of 3 H CONSEILS is located in REIMS (51100), in the department Marne.
Where to find the tax return of 3 H CONSEILS ?
The tax return of 3 H CONSEILS 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 3 H CONSEILS operate?
3 H CONSEILS 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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