SIREN : 487785545
AFC CONSULTANTS is a French company founded 20 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in AVIGNON (84140), this company of category PME shows in 2024 a revenue of 1.7 M€. 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 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1 700 126 € | 1 571 560 € | 1 393 067 € | 1 274 932 € | 1 206 043 € | 1 057 333 € | 1 024 399 € | 932 630 € | 845 817 € |
| Net income | 491 315 € | 431 073 € | 415 594 € | 347 393 € | 385 903 € | 239 196 € | 261 851 € | 224 909 € | 183 084 € |
| EBITDA | 642 004 € | 571 353 € | 546 933 € | 462 517 € | 530 096 € | 313 912 € | 358 264 € | 326 336 € | 264 224 € |
| Net margin | 28.9% | 27.4% | 29.8% | 27.2% | 32.0% | 22.6% | 25.6% | 24.1% | 21.6% |
In 2024, AFC CONSULTANTS achieves revenue of 1.7 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +9.1%. Vs 2023: +8%. After deducting consumption (0 €), gross margin stands at 1.7 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 642 k€, representing 37.8% of 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 491 k€, i.e. 28.9% of revenue. This profit can be retained or distributed to shareholders.
1 700 126 €
1 700 126 €
642 004 €
643 280 €
491 315 €
37.7%
The debt ratio (= Financial debt / Equity x 100) stands at 13%. 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 67%. 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 0.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 28.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
13.358%
66.559%
28.782%
0.195
66.7%
In 2024, the debt ratio of AFC CONSULTANTS (13.36) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of AFC CONSULTANTS (66.6%) 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.
In 2024, the repayment capacity of AFC CONSULTANTS (0.20) 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 293.92. 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 1.2x. Coverage is limited: any activity downturn would jeopardize interest payments.
293.92
1.184
In 2024, the liquidity ratio of AFC CONSULTANTS (293.92) 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.
In 2024, the interest coverage of AFC CONSULTANTS (1.2x) 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: 34 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 49 days. Favorable situation: supplier credit is longer than customer credit by 15 days. WCR is negative (-4 days): operations structurally generate cash. Over 2016-2024, WCR increased by +42%, requiring additional financing.
-18 157 €
34 j
49 j
0 j
-4 j
Based on 193 transactions of similar company sales (all years), the value of AFC CONSULTANTS is estimated at 1 087 468 € (range 333 660€ - 3 818 555€). With an EBITDA of 642 004€, 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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare AFC CONSULTANTS with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of AFC CONSULTANTS in 2024 is 1.7 M€.
Yes, AFC CONSULTANTS generated a net profit of 491 k€ in 2024.
The headquarters of AFC CONSULTANTS is located in AVIGNON (84140), in the department Vaucluse.
The tax return of AFC CONSULTANTS 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).
AFC CONSULTANTS 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.