ADVENIS WEALTH MANAGEMENT : revenue, balance sheet and financial ratios

ADVENIS WEALTH MANAGEMENT is a French company founded 25 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75017), this company of category ETI shows in 2024 a revenue of 7.2 M€. 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 - ADVENIS WEALTH MANAGEMENT (SIREN 431974963)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 7 162 860 € 9 996 489 € 9 673 256 € 10 194 278 € 8 514 246 € 11 457 063 € 12 384 266 € 13 235 171 € 16 473 502 €
Net income -3 113 631 € -1 891 272 € -1 315 861 € -2 514 121 € -3 719 356 € -2 905 956 € -2 596 256 € -4 579 197 € -4 808 654 €
EBITDA -2 350 100 € -1 504 877 € -758 907 € -1 154 055 € -3 023 488 € -1 992 637 € -2 552 689 € -3 893 308 € -4 305 072 €
Net margin -43.5% -18.9% -13.6% -24.7% -43.7% -25.4% -21.0% -34.6% -29.2%

Revenue and income statement

In 2024, ADVENIS WEALTH MANAGEMENT achieves revenue of 7.2 M€. Revenue is declining over the period 2016-2024 (CAGR: -9.9%). Significant drop of -28% vs 2023. After deducting consumption (0 €), gross margin stands at 7.2 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -2.4 M€, representing -32.8% of revenue. Warning negative scissor effect: despite revenue change (-28%), EBITDA varies by -56%, reducing margin by 17.8 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -3.1 M€ (-43.5% of revenue), which will impact equity.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

7 162 860 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

7 162 860 €

EBITDA (2024) ?
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

-2 350 100 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-3 092 878 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-3 113 631 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-32.8%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at -32%. 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 -347%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

-31.745%

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

-347.398%

Cash flow / Revenue (2024) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

-39.122%

Repayment capacity (2024) ?
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

-2.114

Asset age ratio (2024) ?
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

7.8%

Solvency indicators evolution
ADVENIS WEALTH MANAGEMENT

Sector positioning

Debt ratio
-31.75 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Excellent

In 2024, the debt ratio of ADVENIS WEALTH MANAGEMENT (-31.75) 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
-347.4% 2024
2022
2023
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Watch

In 2024, the financial autonomy of ADVENIS WEALTH MANAGEMENT (-347.4%) ranks in the bottom 25% of the sector. This ratio represents the share of equity in total financing. Low autonomy may limit investment capacity and increase vulnerability.

Repayment capacity
-2.11 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Excellent

In 2024, the repayment capacity of ADVENIS WEALTH MANAGEMENT (-2.11) 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 19.87. 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

19.871

Interest coverage (2024) ?
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

-11.448

Liquidity indicators evolution
ADVENIS WEALTH MANAGEMENT

Sector positioning

Liquidity ratio
19.87 2024
2022
2023
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Watch +11 pts over 3 years

In 2024, the liquidity ratio of ADVENIS WEALTH MANAGEMENT (19.87) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
-11.45x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Average

In 2024, the interest coverage of ADVENIS WEALTH MANAGEMENT (-11.4x) 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: 93 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 1122 days. Excellent situation: suppliers finance 1029 days of the operating cycle (retail model). Overall, WCR represents 68 days of revenue, i.e. 1.4 M€ to permanently finance. Notable WCR improvement over the period (-88%), freeing up cash.

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

1 356 073 €

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

93 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

1122 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 in days of revenue (2024) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

68 j

WCR and payment terms evolution
ADVENIS WEALTH MANAGEMENT

Positioning of ADVENIS WEALTH MANAGEMENT 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 ADVENIS WEALTH MANAGEMENT is estimated at 7 036 995 € (range 1 962 384€ - 13 087 591€). 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 value 2024
193 transactions
1962k€ 7036k€ 13087k€
7 036 995 € Range: 1 962 384€ - 13 087 591€
NAF 5 all-time

Valuation method used

Revenue Multiple
7 162 860 € × 0.98x = 7 036 996 €
Range: 1 962 385€ - 13 087 592€

Only this financial indicator is available for this company.

Valuation evolution

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 ADVENIS WEALTH MANAGEMENT with other companies in the same sector:

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

Frequently asked questions about ADVENIS WEALTH MANAGEMENT

What is the revenue of ADVENIS WEALTH MANAGEMENT ?

The revenue of ADVENIS WEALTH MANAGEMENT in 2024 is 7.2 M€.

Is ADVENIS WEALTH MANAGEMENT profitable?

ADVENIS WEALTH MANAGEMENT recorded a net loss in 2024.

Where is the headquarters of ADVENIS WEALTH MANAGEMENT ?

The headquarters of ADVENIS WEALTH MANAGEMENT is located in PARIS (75017), in the department Paris.

Where to find the tax return of ADVENIS WEALTH MANAGEMENT ?

The tax return of ADVENIS WEALTH MANAGEMENT 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 ADVENIS WEALTH MANAGEMENT operate?

ADVENIS WEALTH MANAGEMENT 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.