SIREN : 845081306
3A CONSEILS is a French company founded 7 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MONTOURNAIS (85700), this company of category PME shows in 2021 a revenue of 56 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2021 | 2020 |
|---|---|---|
| Revenue | 55 780 € | 62 417 € |
| Net income | 29 393 € | 39 891 € |
| EBITDA | 25 922 € | 40 289 € |
| Net margin | 52.7% | 63.9% |
In 2021, 3A CONSEILS achieves revenue of 56 k€. Significant drop of -11% vs 2020. After deducting consumption (0 €), gross margin stands at 56 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 26 k€, representing 46.5% of revenue. Warning negative scissor effect: despite revenue change (-11%), EBITDA varies by -36%, reducing margin by 18.1 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 29 k€, i.e. 52.7% of revenue. This profit can be retained or distributed to shareholders.
55 780 €
55 780 €
25 922 €
29 210 €
29 393 €
46.5%
The debt ratio (= Financial debt / Equity x 100) stands at 12%. 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 88%. 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 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 46.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
12.181%
87.55%
46.798%
0.328
49.9%
In 2021, the debt ratio of 3A CONSEILS (12.18) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2021, the financial autonomy of 3A CONSEILS (87.5%) 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.
In 2021, the repayment capacity of 3A CONSEILS (0.33) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 5460.32. 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 0.2x. Danger: operating income does not cover interest charges, unsustainable situation.
5460.321
0.235
In 2021, the liquidity ratio of 3A CONSEILS (5460.32) 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.
In 2021, the interest coverage of 3A CONSEILS (0.2x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 49 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 12 days. The gap of 37 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 73 days of revenue, i.e. 11 k€ to permanently finance.
11 308 €
49 j
12 j
0 j
73 j
Indicative estimate only : the number of comparable transactions in this sector is limited (44 transactions). This range of 14 473€ to 83 825€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 44 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare 3A CONSEILS with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of 3A CONSEILS in 2021 is 56 k€.
Yes, 3A CONSEILS generated a net profit of 29 k€ in 2021.
The headquarters of 3A CONSEILS is located in MONTOURNAIS (85700), in the department Vendee.
The tax return of 3A 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).
3A 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.