ACMA (ASSURANCE CONSEIL MOBILE AUVERGNE) : revenue, balance sheet and financial ratios

ACMA (ASSURANCE CONSEIL MOBILE AUVERGNE) is a French company founded 12 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in VICHY (03200), this company of category PME shows in 2021 a revenue of 40 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - ACMA (ASSURANCE CONSEIL MOBILE AUVERGNE) (SIREN 798288254)
Indicator 2022 2021 2020 2019 2018 2017 2016 2016
Revenue N/C 40 103 € 38 531 € 53 839 € 43 051 € 202 196 € N/C 99 838 €
Net income -10 781 € 15 413 € 22 809 € 41 652 € 24 756 € 139 394 € -314 € 73 062 €
EBITDA -6 395 € 31 113 € 28 780 € 48 520 € 35 109 € 196 364 € N/C 98 508 €
Net margin N/C 38.4% 59.2% 77.4% 57.5% 68.9% N/C 73.2%

Revenue and income statement

In 2022, ACMA (ASSURANCE CONSEIL MOBILE AUVERGNE) records a net loss of 11 k€. This deficit will reduce equity on the balance sheet.

EBITDA (2022) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

-6 395 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-10 466 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-10 781 €

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 22%. 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 74%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

21.819%

Financial autonomy (2022) ?
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

74.281%

Repayment capacity (2022) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

-2.798

Asset age ratio (2022) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

78.4%

Solvency indicators evolution
ACMA (ASSURANCE CONSEIL MOBILE AUVERGNE)

Sector positioning

Debt ratio
21.82 2022
2020
2021
2022
Q1: 0.03
Med: 12.59
Q3: 62.94
Average

In 2022, the debt ratio of ACMA (ASSURANCE CONSEIL M... (21.82) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
74.28% 2022
2020
2021
2022
Q1: 17.59%
Med: 47.12%
Q3: 73.71%
Excellent

In 2022, the financial autonomy of ACMA (ASSURANCE CONSEIL M... (74.3%) 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
-2.8 years 2022
2020
2021
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Excellent -31 pts over 3 years

In 2022, the repayment capacity of ACMA (ASSURANCE CONSEIL M... (-2.80) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 820.87. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2022) ?
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

820.868

Interest coverage (2022) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

-4.926

Liquidity indicators evolution
ACMA (ASSURANCE CONSEIL MOBILE AUVERGNE)

Sector positioning

Liquidity ratio
820.87 2022
2020
2021
2022
Q1: 118.8
Med: 232.91
Q3: 512.08
Excellent

In 2022, the liquidity ratio of ACMA (ASSURANCE CONSEIL M... (820.87) 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
-4.93x 2022
2020
2021
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.08x
Average -25 pts over 3 years

In 2022, the interest coverage of ACMA (ASSURANCE CONSEIL M... (-4.9x) 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.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 198 days. Excellent situation: suppliers finance 198 days of the operating cycle (retail model).

Operating WCR (2022) ?
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 (2022) ?
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 (2022) ?
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

198 j

Inventory turnover (2022) ?
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
ACMA (ASSURANCE CONSEIL MOBILE AUVERGNE)

Positioning of ACMA (ASSURANCE CONSEIL MOBILE AUVERGNE) in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Similar companies (Activités des agents et courtiers d'assurances)

Compare ACMA (ASSURANCE CONSEIL MOBILE AUVERGNE) with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about ACMA (ASSURANCE CONSEIL MOBILE AUVERGNE)

What is the revenue of ACMA (ASSURANCE CONSEIL MOBILE AUVERGNE) ?

The revenue of ACMA (ASSURANCE CONSEIL MOBILE AUVERGNE) in 2021 is 40 k€.

Is ACMA (ASSURANCE CONSEIL MOBILE AUVERGNE) profitable?

ACMA (ASSURANCE CONSEIL MOBILE AUVERGNE) recorded a net loss in 2022.

Where is the headquarters of ACMA (ASSURANCE CONSEIL MOBILE AUVERGNE) ?

The headquarters of ACMA (ASSURANCE CONSEIL MOBILE AUVERGNE) is located in VICHY (03200), in the department Allier.

Where to find the tax return of ACMA (ASSURANCE CONSEIL MOBILE AUVERGNE) ?

The tax return of ACMA (ASSURANCE CONSEIL MOBILE AUVERGNE) 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 ACMA (ASSURANCE CONSEIL MOBILE AUVERGNE) operate?

ACMA (ASSURANCE CONSEIL MOBILE AUVERGNE) 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.